Banking: Basic Bank Accounts
Many people entering a debt solution need to open a basic bank account with an organisation they do not have debts with. Most banks offer these.
Note: For the purpose of switching away from debts; you choose a banking group you have no debts with. The groups are:-
- Lloyds Banking Group (Bank of Scotland, Halifax and Lloyds),
- Clydesdale Bank and Yorkshire Bank,
- RBS Group (NatWest, Royal Bank of Scotland and Ulster Bank)
Consumer Council for Water
Get support with your water bills
Consumer Credit Act 1974
All UK consumer borrowing which is enforcable bound by these terms and conditions. (heavy reading)
These organisations offer a free credit report service; useful as it shows you how much you own to whom from borrowing. Note, while the service is free, you will be served with ads matching your credit rating.
GamCare is the leading national provider of free information, advice and support for anyone affected by problem gambling.
OFGEM – (Office of Gas and Electricity Markets)
Impartial information and advice on household and business energy from Britain’s energy regulator.
OFWAT is regulator of the water sector in England and Wales. Learn about your rights a consumer
Pre-Action Protocol For Debt Claim
This describes the conduct the court will normally expect of creditors prior to the start of legal proceedings. (heavy reading)
Whatever you’re going through, a Samaritan will face it with you.
The best place to find government services and information
TaxAid offers free, confidential advice on tax to those on low incomes.
Turn2us is a national charity helping people when times get tough. We provide financial support to help people get back on track.
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