Debt

Child Documents

Bailiffs & Council Tax: This is about how to deal with bailiffs who may call trying to collect Council Tax or Community Charge (poll tax) arrears.
http://www.multikulti.org.uk/en/debt/bailiffs-council-tax/
Credit Reference Agencies: Credit reference agencies hold information on the details of credit agreements, arrears on credit , County Court Judgments and electoral role information. This may affect your ability to get a loan.
http://www.multikulti.org.uk/en/debt/credit-reference-agencies/
How to deal with Hire Purchase debt: Although people often talk about "buying on HP", Hire Purchase Agreements are quite unusual these days. Cars are the most usual goods sold under Hire Purchase or Conditional Sale Agreements.
http://www.multikulti.org.uk/en/debt/how-to-deal-with-hire-purchase-debt/
What to do about debts when someone dies: When someone dies, debts are recoverable from any assets or money left behind. Dealing with an estate can be complicated. You may need legal advice. This factsheet provides basic information to help you decide what to do about debts.
http://www.multikulti.org.uk/en/debt/what-to-do-about-debts-when-someone-dies/
Tricks - don't get caught out! Beware of Fraud & Deception: What do you do if you receive an unsolicited phone call or letter telling you that you have been entered into a prize draw? If you respond you could be on your way to losing thousands of pounds. This leaflet will warn you about scams. Scams are tricks to steal money from you.
http://www.multikulti.org.uk/en/debt/tricks-dont-get-caught-out-beware-of-fraud/
Buying Goods: Your Rights: Whether they are new or second- hand, goods you buy from a shop, market, catalogue or any other trader must be of satisfactory quality. If the goods do not work after first examination you can reject them and get your money back. This leaflet tells you about your legal rights.
http://www.multikulti.org.uk/en/debt/buying-goods-your-rights/