One minute, everything’s fine; you have a job, a girlfriend, a social life, and plans. Everyone knows you’re a good bloke, you work hard and you enjoy the craic. You had a difficult few years a while back; a relationship broke down, you were even temporarily homeless for a short…

Your Registered Social Landlord sends you an email advising that you are close to being evicted. Your rent arrears are nearly £6000. The email tells you that you have to contact the Housing Association *urgently* or else. Your frightened of ringing them. You don’t want to be evicted but where…

One minute, everything’s fine; you have a successful business, a wife, a child, a happy life. Your future looks secure. Then something happens that turns everything upside down. Russia launches an invasion of your homeland, your wife and child leave for the safety of the UK and you don’t see…

Let me explain why. I met someone recently who told me they cried on the phone to their mother with shame because they were having to see a debt adviser. Please don’t. When my car breaks down – and it’s nearly 15 years old now so it has ‘issues’ –…

Part Two of Don’t Get A Hernia Quick recap. JD is waiting for a second operation to fix his hernia. He used to have 2 hernias, but the first operation in July 2022 fixed one. He’s been unable to work for 12 months due to being in constant pain. He’s…

The ‘cost of living crisis’ is so overused as a phrase in the media that it now has less impact – we’re all in the same boat, said the man from Ofgem’s vulnerable consumer team – but no, we’re not. The crisis for some means they aren’t in a boat…

I know that’s rude. But we waste so much time being polite and asking nicely, while people literally die in their freezing homes (story here) and babies are admitted to hospital with hypothermia because their parents can’t afford to heat up their bottles (story here). Maybe [strikethrough ‘maybe’] it’s time…

Before I tell you about the veteran who received a barrage of mail from an environmentally-unaware enforcement agency, I must start with a quick update on JD (see previous post ‘Don’t get a hernia’). …

The Insolvency Practitioners Association (IPA) held their annual Personal Insolvency Conference 2022 on 24th November. I attended the conference to take part in a debate about IVAs. So what did I learn? Insolvency Service Update CEO, Dean Beale, (centre) confirmed that the IS is currently reviewing the Personal Insolvency Framework…