An image to depict benefit payments made by DWP

DWP benefits errors cause £5,000 refunds for ESA claimants

Tens of thousands of people on sickness benefits are set to receive backdated payments at an average of £5,000.  It is thought the Department for Work and Pensions (DWP) will have to pay anything up to £1.7bn in backdated payments and subsequent future adjustments due to the gross government error which has left many people living on the breadline…

An image to depict good debt and bad debt

How to recognise a good debt from a bad debt

If you’re considering borrowing it’s beneficial to be able to recognise the difference between good debt and bad debt. Whilst there are some things in life where taking out a debt can undoubtedly be a great investment in your long term financial well-being, there are others that can leave your long term outlook in tatters. Arming yourself with the…

The Bean personal finance tool helps you keep track of your finances for free!

Bean Personal Finance Tool: It’s Free And It Will Change Your Finances

I’m a huge fan of money tools, I love things that can free up my time as my day-to-day life is too busy to have a spreadsheet for absolutely everything, thankfully I’ve come across a little beauty called Bean. Put all thoughts of Rowan Atkinson and yellow minis aside, there is nothing calamitous about this, in fact it’s shown…

Is there such thing as a self employed IVA? 

Is There Such Thing As A Self Employed IVA?

A reader emailed me over the weekend concerned that his debt was getting pretty unmanageable, ‘reader’ had been scouring the internet for advice and was confused as to whether there was such thing as a self employed IVA.  Research suggests self employed people are just as likely to be struggling with debt problems as the unemployed people. Without a…

The new 12 sided one pound coin has been in circulation for over six months and the old pound coin is now on borrowed time.

When Does The Old Pound Coin Cease Being Legal Tender?

The new 12 sided one pound coin has been in circulation for over six months and the old pound coin is now on borrowed time. A hectic work life over the last few months has meant I haven’t travelled often recently, and it only dawned on me the old pound coin is on its way out when I tried…

After a week from hell with food poisoning which left me spending most of the week with my head down the bog and an arse that bears a striking resemblance to the Japanese flag, it was a welcomed relief to have the SHOMO Awards to look forward to on Saturday.

Hey SHOMIES: The SHOMO Awards 2017

After a week from hell with food poisoning which left me spending most of the week with my head down the bog and an arse that bears a striking resemblance to the Japanese flag, it was a welcomed relief to have the SHOMO Awards to look forward to on Saturday. We can sometimes be overlooked in award ceremonies as…

Do Online betting Firms target vulnerable People?

Do Online Betting Firms Target Vulnerable People?

Four UK betting firms have faced criticism from the Advertising Standards Authority (ASA) for using online ads which the regulator claims target vulnerable people. The ads in question were created and placed by “affiliates” – agencies which get paid to direct potential customers towards company websites, in this case online casinos. The advert raised alarm bells for the ASA…

I know what you did last summer

I Know What You Did Last Summer

Last summer is gone, finito, smell you later. To be honest, for my fellow Mancunians and I it’s been over since June – they don’t call it the rainy city for nothing. But, when the sun did manage to stretch its neck and pop its head over the the wall of clouds, it brought the usual temptations. I’m going…

Anyone can fall on hard times and find themselves in debt, and if you've had notice of impending attachment of earnings order you should know exactly what you're dealing with. Life can throw up many different crappy circumstances, unannounced, unwanted, and out of our control. If it does, burying your head is the last thing you should be considering. Debt is a bitch that needs to be tackled head on, make no mistake about that. The fact of the matter is if you have outstanding debt, one or more of your creditors could take court action against you and obtain a County Court Judgment (CCJ) or another court order. In a nutshell, a court order means you must pay the money owed back either in instalments or in full by an agreed date. Should you fail to meet the requirements of the court order, your creditor can crack on with taking further action against you to retrieve the cash you owe. There are several ways they can go about doing this. If you’re working, your creditor could well try to obtain a court order that takes money from your wages which is paid directly to them - you have no say, not a peep, it'll never hit your bank. This is what they call an attachment of earnings. I'm going to give you a no nonsense guide of what happens if your creditor(s) apply for an attachment of earnings order and if there is anything you can do to prevent, or change the terms of the order. If you've got this far, you know you need some help, so please keep reading on and leave here today knowing what you're going to do to sort this.

What Is An Attachment Of Earnings?

Anyone can fall on hard times and find themselves in debt, and if you’ve had notice of impending attachment of earnings order you should know exactly what you’re dealing with. Life can throw up many different crappy circumstances, unannounced, unwanted, and out of our control. If it does, burying your head is the last thing you should be considering. Debt…

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