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On 16th OCTOBER 2020, RYAN BEMBRIDGE headlined in the above A quarter (23%) of home-owners are worried about renewing their mortgage during the pandemic, a poll from specialist broker Willow Private Finance has found. A third (32%) said their income was less secure now than before the pandemic, while more than one in 10 (12%) had to take a payment holiday during COVID. The proportion of those feeling less financially

As you’re no doubt aware, in March the government brought in measures effectively preventing landlords from evicting tenants during the coronavirus lockdown. This was originally intended to run until this month, but the government has now extended the moratorium on evictions until 23rd August 2020. What Does This Mean for Me? One expected announcement that hasn’t materialised is that tenants would be gran

The cost of recovering debts through High Court Enforcement can be substantial — although considerably less than writing off the debt. However, there’s general confusion about one element — VAT. Should it be paid by the creditor, the debtor or not at all? Why Would You Use High Court Enforcement Officers? If you’ve received a court judgement in your favour for a debt that you’re owed but the debtor doesn’t immediatel

Bailiffs have traditionally struck fear into people. In the popular imagination, they’re irresistible forces that have the power to strip you of all your possessions. In reality, though, your attitude to bailiffs will depend largely on whether you’re a debtor or a creditor. Using a Bailiff If you’re owed money by a customer or tenant, there are many possible actions for recovering the debt. Most of these involve comm

A happy Easter and/or Passover to you — whichever you celebrate. We’re now at the start of the new tax year, and I hope you’ve made a resolution to start it by minimising both the debt you owe and the debt you’re owed. Strong, effective systems can help with both, but if you have difficulties recovering money that’s owed to you, you’re very welcome to get in touch with SJ Collections. Ne

    As a landlord, you have the right to evict tenants from your properties. However, there are many rules and regulations you must follow to ensure you do this lawfully. For example, you can’t just knock on a tenant’s door and demand they leave the premises right there and then. There’s a whole systematic process that needs to be followed before an eviction can legally occur and the easiest way is to

For landlords in the private residential rental sector, having the right to regain control of your property when you need to is a vital power. Section 21 of the Housing Act 1988 allows landlords to end an assured shorthold tenancy by serving notice, without having to show any fault on the part of the tenant.  Stephen Eccles, Head of Dispute Resolution law at Pinney Talfourd in Upminster, is our expert in landlord and

A bailiff (‘enforcement agent’) may visit your home if you don’t pay your debts, eg a Council Tax bill, parking fine, court fine, county court or family court judgment. This will happen if you ignore letters saying that bailiffs will be used. You might be arrested if you don’t pay criminal debts, eg fines or penalty notices. A bailiff may also visit your home for other reasons, eg to serve court documents or give not

The powers of bailiffs to enter a property to seize goods where a debt has not been repaid are often exaggerated. But I’m equally sure that some less scrupulous bailiffs have played on debtors’ ignorance of what is and is not permitted. One of the ways in which the new regulation of the collections industry has brought clarity to both sides is in the clear statement of what is, and is not, permitted. You can read thi

A change to the law has stopped commercial landlords using the 800-year-old ‘remedy of distress’ to collect rent arrears from business tenants. It’s all part of the changes to bring clarity to the entry rights of bailiffs as the collections industry becomes regulated. But pub property agents, for starters, believe the changes are not well understood, according to a report in the publican’s online newspaper, the Morni