Consumeradvice

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I am in a considerable amount of debt with three credit cards and a personal loan and recently lost my job. I cannot meet the repayments and have been told that a Trust Deed would be the best option for me. Can you help?

Credit cards and personal loans are unsecured debts and are sometimes referred to as ‘non-priority’. Despite the title, it is important that we do not overlook these commitments, as the people we owe money to, sometimes known as our ‘creditors’, can take legal action against us to get their money back. This includes going to …

I am in a considerable amount of debt with three credit cards and a personal loan and recently lost my job. I cannot meet the repayments and have been told that a Trust Deed would be the best option for me. Can you help? Read More »

The Energy Bills Support Scheme (EBSS) – Your Questions Answered

With the Energy Bills Support Scheme (EBSS) payments set to kick off from the 1st of October, many are wondering what this will mean for them, how this will work, and when they will see the benefit. Prime Minster Liz Truss has previously confirmed a new ‘Energy Price Guarantee’ to halt escalating annual bills for …

The Energy Bills Support Scheme (EBSS) – Your Questions Answered Read More »

I have been getting a load of text messages and emails telling me to apply for the Government’s energy bill support payments – the £400 to help with energy costs. I thought this was happening automatically but wanted to double check in case I am wrong, as I am struggling. Can you help?

The UK Government has announced details on how households will receive £400 to help with rising energy bills this autumn. There will be a discount of £66 applied to bills in October and November, and £67 a month from December to March 2023. All households are eligible for the full £400, regardless of income. How the …

I have been getting a load of text messages and emails telling me to apply for the Government’s energy bill support payments – the £400 to help with energy costs. I thought this was happening automatically but wanted to double check in case I am wrong, as I am struggling. Can you help? Read More »

Counterfeit Goods: Impacts on Consumers and the Economy

 We all like to feel like we are getting value-for-money on anything we purchase, but sometimes a bargain can leave us feeling cheaper than expected when it turns out to be a counterfeit, sub-standard imitation of the real thing. Questions are raised about the multiple perspectives involved in the operation of the movement of these …

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I am really struggling with all my bills lately, with my gas and electric bills overdue, and my supplier is threatening to move me onto a prepayment meter going forward. I have never been in this situation before and am already limiting my usage. Can you help?

I am sorry to hear that you are struggling with your bills. Increases to energy costs and other goods and services has meant that everyone is feeling the pinch. It is important to remember that you are not alone in your situation, and help is available with debt and energy costs. Enforcement & Supplier Action …

I am really struggling with all my bills lately, with my gas and electric bills overdue, and my supplier is threatening to move me onto a prepayment meter going forward. I have never been in this situation before and am already limiting my usage. Can you help? Read More »

Cost-of-Living – Making the Most of Our Energy & the Support Available

Increases to prices and the cost-of-living are affecting us all. With energy costs soaring and inflation making everyday items increasingly expensive, it’s more important now than ever to understand the ways we can reduce our outgoings, and to be aware of the sources of support that are available that can help. It’s not always easy …

Cost-of-Living – Making the Most of Our Energy & the Support Available Read More »

I have prepayment meters for energy and expect my bills to increase moving towards the winter months. I am also having difficulty getting to the shops to top up. I have been told that I can switch to a meter where I pay when I get the bill but am not sure. Can you help?

Prepayment customers can request to switch to credit meters for several reasons. This includes when someone has just moved into a property, as well as other circumstances.  With this type of meter, you will have the option to receive regular bills or pay through Direct Debit. Even if there is debt on the meter, prepayment …

I have prepayment meters for energy and expect my bills to increase moving towards the winter months. I am also having difficulty getting to the shops to top up. I have been told that I can switch to a meter where I pay when I get the bill but am not sure. Can you help? Read More »

I have had several workmen coming to my door recently, telling me that they are in the area offering services including gutter cleaning, garden maintenance, and roofing. I need work completed on my home but am wary of being scammed. Can you help?

In the summer months, we may find ourselves faced with an increasing number of doorstep callers, often visiting out-of-the-blue, offering to complete work on our homes. Whilst many legitimate companies and tradesmen may visit us to offer their services, you are right to be wary of being scammed by rogue traders. Doorstep scammers go door-to-door, …

I have had several workmen coming to my door recently, telling me that they are in the area offering services including gutter cleaning, garden maintenance, and roofing. I need work completed on my home but am wary of being scammed. Can you help? Read More »

Romance and Companionship Scams – What Do They Look Like?

They can be someone we’ve matched with on a dating site; someone who has contacted us out of the blue by email; or someone we have met in person. They may ask us to keep the relationship or communication a secret from our friends and family. Romance and companionship scammers play with people’s emotions, often …

Romance and Companionship Scams – What Do They Look Like? Read More »

How to avoid the cost of living cons hitting hard-working Scots

  CLICK HERE to Link to Scottish Sun article (16.08.22) Scottish consumers are being approached by scammers, claiming to be from organisations offering help with various aspects of the cost-of-living crisis. With many Scots already struggling and seeking financial support, there is a greater risk of people falling-foul of scammers when we are distracted by …

How to avoid the cost of living cons hitting hard-working Scots Read More »