2016 has been a busy year here at Debt Camel. The top ten most read articles:
- How to get a payday refund There are more than 5,000 comments on this article, many of them from people reporting successful refunds of interest paid on unaffordable payday loans. The Financial Ombudsman Service has done a really good job with these complaints in my opinion, including their recent decision that they can look at cases more than six years old.
- Paying a defaulted account and your credit score Sometimes people can be too worried about their credit record – it often isn’t the most important thing when dealing with a debt. But it’s important that people know the facts about credit ratings and this seems to be an area that is sometimes poorly handled by creditors, debt collectors and even debt advisers.
- Statute barred debt – common questions Another topic where knowing the facts is important for someone to make the right decision.
- I have debts – can I get a mortgage? Two years after the new mortgage lending rules came in, many people still don’t expect the level of detail about debts and their finances that is now involved in a mortgage application.
- My debt has been sold to a debt collector People have a wide variety of worries and questions when this happens.
- Can I get rid of a default from my credit file? The answer is usually No, but the article looks at all the different situations. Utility and mobile debts tend to prove more troublesome than consumer debts, as the comments on the article show.
- When to send a Prove It! letter about a debt Sometimes debt collectors get the wrong customer. Sometimes people getting letters are so worried they don’t want to give the debt collector any details, even if these would prove the debts isn’t theirs.
- What should the default date for a debt be? Another topic of mass confusion. Customers don’t understand and often feel badly treated because they haven’t been given clear explanations early on when they got into trouble. And creditors and debt collectors make far too many mistakes in this area – which can be corrected by a persistent customer.
- Bankruptcy – the big questions One of the very first articles I wrote for Debt Camel. Apart from the introduction of online bankruptcy applications in April 2016, it hasn’t changed much in three years!
- Should I keep paying an old debt? An article trying to help people resolve what they feel are complicated issues about credit records, debt management and statute barring.
I wonder what the top ten in 2017 will be?