MoneyPlus Advice Articles

Being contacted by a debt collector can be overwhelming, but it’s important to know that you have rights. Whether you’re receiving constant letters, phone calls or home visits, there are rules about how and when a debt collector can get in touch with you. This guide explains your legal rights, what debt collectors can and…

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Finding yourself in debt can feel overwhelming – especially when there are so many options to choose from. If you’re wondering which debt solution is right for you, this tool-style guide is here to help. We’ve broken down some of the most common debt situations and matched them to possible solutions to consider. Everyone’s circumstances…

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If you’re feeling ashamed to ask for money advice, you’re not alone. Many people across the UK quietly struggle with debt or financial pressure – often for months or even years – because they’re too embarrassed to talk about it. If that sounds familiar, take a moment to pause. The fact you’re here, reading this,…

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When your monthly outgoings are bigger than the money coming in, it can feel like you’re stuck in a hole you can’t climb out of. Rising living costs mean more households are facing this problem, and it’s not always easy to know what to do first. In this guide, we’ll help you spot the warning…

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If you’re worried about money but aren’t sure exactly how much you owe, you’re not alone. Many people lose track of their debts over time. This can happen if you’ve had multiple loans or credit cards, moved house, or simply avoided dealing with letters from lenders. But the fact is, knowing the full picture is…

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Payday should be a relief – the day your wages arrive after weeks of hard work. For many people, though, it is not always a happy occasion at all. Instead of feeling secure, they feel tense, unsettled, or even panicked. This feeling is called payday anxiety. It is becoming more common as the cost of…

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Struggling to pay your rent can feel scary, especially when everything else is getting more expensive too. If you’ve missed a payment or are worried you might soon, you’re not alone. More and more renters are in the same situation and need help to understand what happens next. In this guide, we explain what rent…

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Debt can build up slowly. At first, it might be a credit card here or a loan there. But over time, it can grow into something much harder to manage. This is what’s known as a debt cycle – a pattern where your borrowing keeps growing, and it feels like there’s no way out. Understanding…

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If you’ve missed payments and fallen behind on debts, you might be worried about bailiffs turning up at your door. It’s a scary thought – but knowing your rights can help you feel more in control. One of the most common questions people ask is: what can bailiffs actually take from my home? The answer…

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Many people across the UK live paycheck to paycheck. This means they rely on each payday just to get by. If you’re in this position, it can feel hard – or even impossible – to think about paying off debt. But even with a tight budget, there are steps you can take to start improving…

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Worried about a debt collector taking money straight from your bank account? You’re not alone. This is something many people feel concerned about, especially when they’re already feeling stressed about debt. The good news is that a debt collector cannot typically take money directly from your bank account without going through the proper legal steps.…

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If you’ve received a County Court Judgment (CCJ) or think you might be at risk of one, you’re not alone. Thousands of people across the UK deal with CCJs every year, often as a result of financial difficulty or missed payments. In this guide, we explain exactly what a CCJ is, how it affects your…

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