Debt and money
Court processes to enforce a debt, and insolvency options for a person in debt to deal with their situation.
Debt advice and solutions are available from an FCA-authorised debt adviser, local authority, or through legal aid if the debt could result in the loss of the person's home.
Bank account applications, information about how to choose a basic bank account, problems managing bank accounts, and how to complain.
A debt relief order is a way for someone to have up to £30,000 of qualifying debts written off if they have a low income and little or no assets of value.
A breathing space or mental health crisis moratorium can give a debtor respite from enforcement for eligible debts.
Debts that have been incurred through the debtor's fraud are not written off in bankruptcy or a debt relief order and cannot be included in breathing space.
If the tenant is bankrupt, the possession proceedings can continue but there are restrictions on the rent that the landlord can recover.
Money claims in the County Court are issued by a claimant for the repayment of a debt owed by the defendant.
Landlords may claim rent arrears and costs in possession proceedings and when they take steps to enforce, judgments may appear on the credit reference file.
Equitable interest in land is the money that a legal owner, joint owner, or non-legal owner is entitled to from a sale of the property.
Court orders securing unpaid debts against land owned by the debtor, and orders forcing the sale of their property.
A magistrates' court fine can be challenged if the debtor was not aware of it, paid at an affordable rate, or remitted if it is not affordable.
Who is liable for council tax and when a tenant remains liable after they move out.
A guarantor agrees to be liable for a debt if the principal debtor fails to pay what they owe under their agreement.
Debt case law summaries give an overview of important court decisions in breathing space, enforcement, housing debt, and more.