jackdawson811

I am struggling with energy costs and am terrified that I am going to run out of electricity and gas over the festive period with my baby here. I have a prepayment meter, and only top up small amounts, with a large chunk of the payments taken for debt. What can I do?

Leave a Comment / Cost-of-living, Debt / Money, Energy / By jackdawson811

There are many people finding themselves in the same boat, with the cost of energy and other goods and services increasing so much. It’s important to remember that help is available when we need it! With suppliers and other organisations closing or operating reduced hours during the festive season, it is important that you seek …

I am struggling with energy costs and am terrified that I am going to run out of electricity and gas over the festive period with my baby here. I have a prepayment meter, and only top up small amounts, with a large chunk of the payments taken for debt. What can I do? Read More »

I have had several issues over the last few months with the woman next door and levels of noise. She plays her music late at night and her dog is always barking. I don’t want to come across as a nagging neighbour, but the lack of sleep is affecting my work. Can you help?

Leave a Comment / Neighbours / By jackdawson811

If your neighbour is creating a lot of noise, such as playing loud music or allowing their dogs to continually bark, there are a few options available to you. If you feel comfortable, and it is safe to do so, you could address the problem directly by having an informal conversation with the neighbour in …

I have had several issues over the last few months with the woman next door and levels of noise. She plays her music late at night and her dog is always barking. I don’t want to come across as a nagging neighbour, but the lack of sleep is affecting my work. Can you help? Read More »

The cost-of-living crisis has me really struggling to make ends meet. I feel like I am not getting anywhere and am living month-to-month. My electricity bills are through the roof, and I cannot see a way forward because of the amount of debt that I am in. Can you help?

Leave a Comment / Uncategorized / By jackdawson811

The cost-of-living crisis is having an impact on everyone, with many of us feeling the pinch of increased costs. It is important to remember that you are not alone in dealing with your current financial issues, and there are sources of support out there that can help. Many of us are already making all the …

The cost-of-living crisis has me really struggling to make ends meet. I feel like I am not getting anywhere and am living month-to-month. My electricity bills are through the roof, and I cannot see a way forward because of the amount of debt that I am in. Can you help? Read More »

I am in a considerable amount of debt and cannot afford to pay it and think this is now a problem for me…What can i do?

Leave a Comment / Cost-of-living, Debt / Money, Energy / By jackdawson811

I am in a considerable amount of debt and cannot afford to pay it and think this is now a problem for me. I am being chased for the debt by the companies I owe money to, and this is having an impact on my mental health. Can you offer any advice on what I …

I am in a considerable amount of debt and cannot afford to pay it and think this is now a problem for me…What can i do? Read More »

I’ve fallen behind with payments on my credit card…can you help?

Leave a Comment / Cost-of-living, Debt / Money / By jackdawson811

I have fallen behind with payments on my credit card and the company have sent reminders, advising they will take me to court and seek a CCJ for payment. I do not understand what this is or how to fix it. Can you help? Credit cards are often referred to as ‘non-priority’ debts, however it …

I’ve fallen behind with payments on my credit card…can you help? Read More »

My neighbour is getting a two-story extension built, but I don’t think that the work should be allowed to go ahead. The new look of the building won’t fit in with the other houses on the street, and because it will be so big, will probably block out the light. What can I do?

Leave a Comment / Housing, Neighbours / By jackdawson811

Anyone having work carried out on a property that is altering the height or structure of a building will usually be required to apply for planning permission before any work commences.You can check the planning register on the local authority website to see if your neighbour has applied for planning permission.You can find contact information …

My neighbour is getting a two-story extension built, but I don’t think that the work should be allowed to go ahead. The new look of the building won’t fit in with the other houses on the street, and because it will be so big, will probably block out the light. What can I do? Read More »

I work for a small business, and the owner has told me that because of a downturn in the amount of work, he needs to reduce my salary. I don’t think this is right. Can you help?

Leave a Comment / Employment / By jackdawson811

A reduction in pay requires a change in a contract and for this to be binding, consent from both parties is required. However, employers will often have the upper hand with bargaining power if there is a risk of losing your job. It is illegal for them to deduct pay without a contractual change occurring. …

I work for a small business, and the owner has told me that because of a downturn in the amount of work, he needs to reduce my salary. I don’t think this is right. Can you help? Read More »

Debt & Money: moneyadvice.scot advisers are on-hand to support Scottish Citizens

Leave a Comment / Benefits, Cost-of-living, Debt / Money, Housing / By jackdawson811

The purse strings are a lot tighter now than they were at this time last year. From increases at the tills, to skyrocketing bills, we are all feeling the pinch. With increased living costs, comes the potential for us to fall behind, looking at short-term solutions to long-term problems, such as credit and store cards, …

Debt & Money: moneyadvice.scot advisers are on-hand to support Scottish Citizens Read More »

Cost of Living Crisis – How can advice.scot help?

Leave a Comment / Benefits, Cost-of-living, Debt / Money, Employment, Energy, Family & Relationships, Housing, Neighbours / By jackdawson811

Living life, affording to pay all our bills, whilst continuing to put food on the table has become quite the juggling task for many of us recently. Increases to the cost of living, with soaring energy prices, and the prices of other essential goods and services jumping up as a result has been challenging. Average …

Cost of Living Crisis – How can advice.scot help? Read More »

My partner and I are thinking about separating, but I don’t know where to start with this. Can you help?

Leave a Comment / Family & Relationships / By jackdawson811

The separation process route taken will differ depending on your situation. Informal Arrangement You have the option to separate by informal arrangement. You will need to inform various organisations of your separation and may have a legal obligation to report this to your benefits office if you are in receipt of benefits; HMRC if you …

My partner and I are thinking about separating, but I don’t know where to start with this. Can you help? Read More »