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Statutory Demands and the EJO Office
This factsheet provides information and advice on statutory demands and court action in Northern Ireland. We explain what a statutory demand is, options for dealing with one, how to set them aside and some useful contacts. It also details information on the Enforcements of Judgements Office (EJO) in Northern Ireland, what powers the EJO has and how the various options they could take would affect you.
Credit Reports and Credit Reference Agencies
This factsheet explains the difference between credit reports, credit referencing agencies, credit scores and credit searches. It will detail what information is held on a credit report, how to deal with being turned down for credit, how to challenge incorrect information on your credit report and provide tips on improving your credit score.
Debt & Mental Health
This factsheet is to help you understand how time spent addressing your debt problems can also help your overall health and wellbeing.
Debt Advice for Vulnerable People
This factsheet aims to provide some specific debt information and advice for those groups of people who are seen as vulnerable. It will offer advice for people on a very low income; benefit advice for the elderly; advice for dealing with debts for those who are facing prison; and advice those who are suffering from serious illnesses.
Payday, Guarantor and Doorstep Loans
The factsheet is to provide specific advice on payday, guarantor and doorstep loans. It will help you understand how these different forms of lending work, the common problems that often arise with, how a debt solution may affect these loans and how to help you make a complaint about these types of loan providers.
Housing Related Debts
This factsheet provides information on housing related debts, such as mortgage arrears, negative equity, mortgage shortfalls, rent arrears and housing rates arrears. It also contains advice on the help you may be able to get at dealing with your housing related issue, help you negotiate with your mortgage provider or landlord and where to make a complaint.
Tips to Budget and Save
This factsheet is to help you plan, manage and control day-to-day spending for your household. It contains advice on how to keep your household expenses under control, complete a budget to ensure you do not spend more than you have coming in, get some practical advice about saving for occasional costs, and some basic advice on debt options that may be available to you.
Dealing with the Debt of Someone who has Died
Dealing with a death is always difficult, but sorting other issues such as debt can add stress to the situation. This factsheet will help you establish liability for debts when someone has died, how to treat different types of debt, how owning a property may be affected by a person’s death and provide you with contact details of organisations that also may be able to help you.
Meeting your Debt Adviser
This factsheet will help you prepare for your first appointment with a debt adviser. It will describe the process your adviser will follow in the meeting and detail what documents or information you will need to bring with you. There is a budget planner at the end of this factsheet that you should complete to the best of your ability beforehand along with a template to list your creditors. We have also included a suggested checklist so you know which documents you should bring with you.
Universal Credit
Universal Credit is a new benefit for working age people who are on a low income or out of work. It has replaced six different benefits in Northern Ireland.
