Who are Bailiffs? What can they do?
Many people who owe money worry about bailiffs. There are all kinds of rumours about who they are, why they might be 'sent round' - and what they can do when they get there.
Dealing with growing utility bills
At a time like this, the fast-rising price of energy is just one of many growing pressures on our finances. Energywatch (the gas and electricity watchdog) have estimated that utility bills have risen by 85% in the past five years, and trade oil prices are currently double what they were a year ago.
If you're in debt, continually rising costs of living could be more than just a dent in your disposable income - they could mean it's very difficult to afford both your costs of living and your debt repayments. If that happens, a debt consolidation loan (or maybe another debt solution) could help.
Debt Management or Debt Consolidation: which is better for me?
If you are struggling with debt problems, you may have a number of options available to you, depending on your situation. Here, we look at just two: debt management plans and debt consolidation loans, both of which can reduce your monthly payments and simplify your finances.
However, there are some differences between the two that mean each is suited to a different kind of situation.
Getting credit in a credit crunch
In a credit crunch, getting approved for credit isn't easy. Lenders are being very careful about lending money, partly because they're finding it hard to borrow from other financial institutions.
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