GUIDES

Step-by-step guides, when it gets serious.

10 guides UK English FCA-aware

When a letter, a court claim, a bailiff visit or a repossession threat lands on your doormat, this is where to start. Each guide walks through the process, the deadlines, and what to do next.

Business Debt

2 pieces
Business Debt

Personally Liable for Business Debts? UK Directors

Limited liability protects directors, until it does not. Learn how personal guarantees, sole trader status, wrongful trading, disqualification and HMRC liability notices can make business debt personal.
Business Debt

Cannot Pay Your Bounce Back Loan? What Happens

The Bounce Back Loan guarantee protected the lender, not you. What actually happens if the loan cannot be repaid, plus Pay As You Grow options, personal liability, winding up petitions and misconduct investigations.

Debt Collectors

2 pieces
Debt Collectors

Do You Have to Pay Debt Collectors? UK Rights

Contacted by a debt collector? Learn how to check whether the firm is authorised, what a Notice of Assignment is, how to ask for proof and what your rights are if you dispute the debt.
Debt Collectors

Debt Collectors UK: Your Rights & FCA Rules 2026 | The Real Debt Guy

Debt collector contacting you? Learn your UK rights, what collectors can and cannot do, how FCA rules apply, and when to complain.

Secured Debt

1 piece
Secured Debt

Mortgage Arrears UK: How to Avoid Repossession

Behind on your mortgage? The forbearance options your lender must consider under FCA MCOB 13.3, the pre-action protocol timings, what a judge can decide at a possession hearing, and where to get free help.

Court Action

1 piece
Court Action

What Is a CCJ? County Court Judgment UK Guide

A CCJ is a court decision that says you owe money. Learn how the process works, response deadlines, credit file impact, and what to do if judgment has already been made.

Enforcement

1 piece
Enforcement

Bailiff Powers UK · What They Can and Cannot Do

Bailiffs at your door? Learn what they can and cannot do, when forced entry is possible, what notice you should get and how to check they are genuine.

Debt Solutions

1 piece
Debt Solutions

Car Repossession UK: Rights & Next Steps | The Real Debt Guy

Car finance in arrears? Learn what happens when a car is repossessed, the one-third rule, voluntary termination, shortfalls, CCJs and what to do next.

Complaints

1 piece
Complaints

How to Complain About a Bank or Debt Collector UK

Treated unfairly by a bank, lender or debt collector? Learn how to complain, what evidence to include, deadlines that apply and when the Financial Ombudsman may help.

Consumer Rights

1 piece
Consumer Rights

Debt Collector Harassment UK: Your Rights

Being chased relentlessly? What counts as harassment by a UK debt collector or creditor, the CONC rules firms must follow, how to log it and how to complain.

Want help applying this to your situation?

The Get Help hub explains the paid options, from a £27.50 Clarity Call to a £99 Letter Audit. Or start with the free Budget Planner to work out what you can actually afford.

Get Help Budget Planner