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Nick Smith RE: Zero DCO advice after 12 months  

By Nick Smith, 6 days ago

  Hi Indi85, This is an understandably common area for confusion. Your personal discharge does not bring the sequestration or the DCO to an end; it only releases certain restrictions that are placed on ...
sarahstrachan RE: wanting to move from one rented house to another rented house  

By sarahstrachan, 1 week ago

  As Head of Property Management, I would suggest ensuring the new arrangement is treated like any other tenancy, even though it is with a family member. Make sure there is a clear written tenancy agree...
RE: Early Stages  

By RyanK92, 2 weeks ago

  I just wanted to add in my own experience of being in a Trust Deed. I'm due to end my Trust Deed in January 2027 after having it granted in 2023. I can confidently disagree with NewGuy's comments arou...
Letters of arrears  

By Koopachi, 2 weeks ago

  I have just logged into my online portal and noted 2 letters of warning for arrears. I was of the belief I was up to date as I always check my bank. For this instance- the payment was pending and then...
Zero DCO advice after 12 months  

By Indi85, 3 weeks ago

  Hi, my DCO was set at zero at the start of my sequestration because my outgoings are too high. My 12 month is coming up in August so I will be discharged. My question is if I suddenly have a spare £10...
Feel tricked and hopeless. Trust Deed has ruined my life  

By hawthornflk, 3 weeks ago

  I was put in a trust deed in 2023 for a debt of 8,700 with income of 35,400 and no assets. I have since increased my income to 60,000 as I entered it quite young. I didn't know how much of it would be...
Nick Smith RE: Job Application  

By Nick Smith, 4 weeks ago

  Hi Ted, it's impossible to say if or how much it would impact your employment chances as only the employer could confirm that. Two key points: 1. Check the question asks "have you ever had...", rather...

 

 

 

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