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Keeping Scotland out of the Red

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Orkney Citizen Advice Bureau

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Kirkwall

KW15 1HR

Tel: 01856 875266 

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READER QUESTIONS

  • Scottish Adviser on Wage Arrestment: How Much Can They Take?: “Hi Susan They cannot take money from your Universal Credit, but they may try and freeze your bank account. However,…” Sep 14, 08:39
  • Scottish Adviser on What is a Summary Warrant?: “Hi Roxana Unfortunately they can send you a 14 day letter if you miss a payment. This give you 7…” Sep 14, 08:36
  • Susan on Wage Arrestment: How Much Can They Take?: “Hi I am being threatened with EA for an outstanding sheriff court decree for an unpaid loan that I was…” Sep 10, 12:16
  • Roxana on What is a Summary Warrant?: “I received a Summary Warrant even thou I only missed my council tax payment for a month. I tried to…” Sep 6, 13:12
  • Scottish Adviser on Should you be worried about Sheriff Officers?: “Hi Debs Yes they can still pursue you for this debt, as it appears to have been a Penalty Charge…” Aug 24, 18:54
  • Debs on Should you be worried about Sheriff Officers?: “Hi, in 2017 I had Stirling Park contact me for an outstanding parking ticket. I had moved address and not…” Aug 24, 18:32
  • Scottish Adviser on What is a Summary Warrant?: “Hi Alan. Summary Warrants do not affect your credit rating, as local authorities do not share information with credit reference…” Aug 16, 17:24
  • Scottish Adviser on What is an Inhibition?: “Paul you should also consider making a complaint to the Finance Company and providing evidence of your discharge from the…” Aug 14, 12:54
  • Scottish Adviser on What is an Inhibition?: “I would argue no, Paul. If you have received a discharge from the Trust Deed, then your personal liability for…” Aug 14, 12:50
  • Paul on What is an Inhibition?: “Good Afternoon Can a Financial Company legally renew a inhibition order after the debt has been settled through the completion…” Aug 14, 12:26
  • Scottish Adviser on What can Sheriff Officers take?: “Hi Jo Unfortunately, debt can creep up on you like this. Rest assured there are solutions and it may be…” Aug 13, 17:11
  • Jo on What can Sheriff Officers take?: “Hi, I took out a Credit Card around 5 years ago, which I used for only emergencies. I then lost…” Aug 12, 15:51
  • Alan on What is a Summary Warrant?: “Does a summary warrant affect credit rating?” Aug 9, 23:29
  • Scottish Adviser on Time to Pays for Debt: “Hi Helen I would recommend contacting your local advice agency for further advice. Time to Pay Directions can be useful,…” Jul 31, 11:21
  • Helen on Time to Pays for Debt: “I have received a FORM 05 which states formof citation where time to pay direction or time order may be…” Jul 29, 09:55
  • Scottish Adviser on What is an Inhibition?: “Hi Francis It is normal to charge an administrative fee to cover the costs of removing an Inhibition. However, the…” Jul 23, 08:11
  • Scottish Adviser on What is an Inhibition?: “Hi Andy It is not the Estate Agents responsibility to check the Register of Inhibitions, its your solicitors responsibility to…” Jul 23, 08:08
  • Andy on What is an Inhibition?: “We are in the process of purchasing a new home and have an entry date, however, my solicitor discovered that…” Jul 23, 00:00
  • Francis on What is an Inhibition?: “Hi, My husband creditor registered an inhibition against our property, the debt has since been repaid in full but the…” Jul 22, 10:27
  • Scottish Adviser on Wage Arrestment: How Much Can They Take?: “Hi Julie I am not sure how much can I help you. Basically, Scots Law is only enforceable in Scotland,…” Jul 12, 20:15

Debt Arrangement Scheme: What is Changing?

https://www.youtube.com/watch?v=ei21G4-Mr9U

Recent Posts

  • Family and Friend Debt: What you should consider before you lend or borrow 19th August 2021
  • Scottish Government needs to act to Protect Homeowners 22nd May 2021
  • Evictions beginning again across Scotland 13th May 2021
  • Are Further changes Required for Minimum Asset Bankruptcies in Scotland? 11th May 2021
  • The Money and Pension Service have questions to answer about Stepchange 29th April 2021
  • Stepchange Redundancies: Is it about Covid and a Flawed Funding Model? 27th April 2021
  • Money Clinic with Claer Barrett 14th March 2021
  • Debt Advice Guide 2nd February 2021

What is a Guarantor Loan?

https://www.youtube.com/watch?v=OnHrzjPlzkA

Funeral Support Payments

https://www.youtube.com/watch?v=D36dwFMJWXA
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