EnglandOn this page you can access our library of Specialist Debt Advice Service (SDAS) monthly newsletters, past editions of Spotlight, and our Enquiry of the Month articles.
If you would like materials for your workplace that explain SDAS, please download and print our leaflet and poster.
Checking Post Contractual Information Compliance under the Consumer Credit Act 1974
Spotlight - Enforcement Agents and vulnerability
Enquiry of the month - Limitation and rent arrears
Spotlight - Controlled Goods Agreements, Insolvency and Breathing Space
Enquiry of the month - Enforcement of a County Court Judgment after six years
Spotlight – Taking control of vehicles subject to hire purchase
Enquiry of the month – Breathing Space and hire purchase agreements
Spotlight - Dealing charging orders on joint property where original debtor is deceased
Enquiry of the month - Breathing Space and disputed debts
Enquiry of the Month - Breathing space, rent arrears and costs under a Suspended Possession Order (SPO)
Spotlight – Credit Unions – Regulation, enforcement and insolvency
Enquiry of the month – Foreign tax debt or duty debt and ‘Mutual Assistance in the Recovery of Debt’ (MARD)
Spotlight – Civil evasion penalties – enforcement and insolvency
Enquiry of the month – Council tax and the limitation period
Spotlight – Mental capacity to contract
Enquiry of the Month – Claimant agrees to set aside their judgment and charging order due to non-compliance with post-contractual information requirements under the Consumer Credit Act 1974
Spotlight – SDAS support with Debt Relief Order queries and the DRO Discussion Forum
Enquiry of the Month – Can a client set aside a default judgment on the basis they would have paid if they had known about the claim?
Spotlight – The impact of pension pot lump sums on accessing insolvency remedies
Enquiry of the Month – HMO for council tax purposes
Spotlight – Cars on Hire Purchase (HP) in Bankruptcy
Enquiry of the Month – Debt relief orders and written off debts
Spotlight – Council tax enforcement and assisting clients with no recourse to public funds
Enquiry of the Month – Can a benefit overpayment bestatute barred and must these be scheduled in a DRO?
Spotlight – Fixed Penalties for Coronavirus Restrictions Offences
Enquiry of the Month – Scheduling council tax arrears in a DRO where there has been no reminder notice issued
Resource – DRO Update
Resource – Dealing with Judgment Debts
Resource – Advising Guarantors
Spotlight – Understanding notice periods in light of Covid-19
Enquiry of the Month – Pension fund exceeding total level of debt and the implications for a DRO application
Spotlight – Magistrates’ court fines and DROs
Enquiry of the Month – Successfully objecting to a bankruptcy petition on grounds of unreasonable refusal to accept a voluntary charge for council tax
Spotlight – Time orders in mortgage possession claims
Enquiry of the Month – Considering some of the challenges for an Approved Intermediary
Spotlight – Applying for permission to be a company director whilst subject to Debt Relief Order restrictions
Enquiry of the Month – Enforcement of English debts in Italy following a DRO
Spotlight – Video Hearings
Enquiry of the Month – How do you record PIP being used to pay for a logbook loan on the DRO application?
Spotlight – Vehicle ownership
Enquiry of the Month – Council tax liability for a property where landlord was made bankrupt
Spotlight – Clarification on disability benefit/premiums lump sums and on-going income in relation to DROs
Enquiry of the Month – Successful application to set aside County Court Judgment
Spotlight – Court and Insolvency Fees: a brief guide for debt advisers
Enquiry of the Month – Brexit: does it currently impact on insolvency and cross-border enforcement?
Spotlight – Care costs debt
Enquiry of the Month – When the outstanding balance under a HP agreement does not count towards the £20,000 debt limit
Spotlight - The application of CONC to EEA authorised firms providing products and services in the UK
Enquiry of the Month - How backdated Universal Credit ‘Limited capability for work-related activity’ element is treated in a DRO
Spotlight - Challenging the application of statutory interest on County Court Judgments below £5000 being enforced by a High Court Writ
Enquiry of the Month - Success following a challenge to the application of statutory interest on a CCJ enforced in the High Court
Spotlight - Persons at Risk of Violence Orders for DROs
Enquiry of the Month - Bankruptcy and benefit overpayments
Spotlight - Direct Earnings Attachment
Enquiry of the Month - Challenging a transfer of a CCA regulated debt to the High Court for enforcement
Spotlight - Council Tax liability when tenants move out
Spotlight - Contingent liabilities and insolvency
Spotlight - Complaining to the Financial Ombudsman Service (FOS)
Spotlight - Charging Orders: Attaching conditions
Spotlight - Shared Ownership
Spotlight - IVA termination
Spotlight - Gambling and DROs
Spotlight - Hire Purchase agreements and a debtor’s right to terminate
Spotlight - Individual Voluntary Arrangements and fraudulent debts
Spotlight - Dealing with an unpaid Penalty Charge Notice (PCN)
Spotlight - Unpaid Magistrates court fines and what you can do
Spotlight - Set aside applications in regard to default County Court Judgments
Spotlight - Beneficial interest
Spotlight - DROs and ESA backdates
Spotlight - Enforcement Agent (EA) fees outstanding where creditor is paid directly
Spotlight - Centre of main interest and foreign proceedings
Spotlight - The General Data Protection Regulation (GDPR) and Subject Access Requests
Spotlight - Fraudulent Debts
Spotlight - Interest only mortgages and options
Spotlight - When an EA adds sale fee when no preparation for sale has occurred
