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Sara Williams

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Debt Camel
debt solutions, credit ratings, budgetting
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London, United Kingdom
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Risk Manager
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Latest Blog Posts

A reader asked whether an IVA was suitable for her. As part of that she said: I am hoping to move in with a new partner later this year. I would have to pay more rent and bills but I would have lower petrol costs as he lives very close to my work. It is usually […] The post Don’t get an IVA if you expect to move house appeared first on ...
Posted: Jan 16 2019 @ 5:37 AM
Having a recent payday loan on your credit history can make it much harder for you to get a mortgage at a good rate – or even at all! If you have used payday loans, the best advice for a mortgage application is: wait until at least 12 months have passed after your last payday […] The post Recent payday loans make it hard to get a mortgage in 2019 appeared ...
Posted: Jan 15 2019 @ 7:04 AM
A reader, Mr G, asks: Due to my personal circumstances, I was unable to repay my credit card and a personal loan to HSBC. My last payment and last contact with HSBC was ten years ago in 2008. Recently I have received a letter from Robinson Way, stating they have taken over my debts and […] The post Claim PPI or make payment arrangement first… or neither? appeared first on Debt ...
Posted: Jan 14 2019 @ 7:09 AM
My pick of last week’s news is the CPAG blog: Universal credit – a new era? Also a large number of gambling stories this week. Tweet of the week Imagine needing a Minister for Hunger in one of the richest nations on earth. https://t.co/WVPkxRyYvz — Frances Ryan (@DrFrancesRyan) January 10, 2019 Debt news Bailiffs – […] The post Debt news – January 13 appeared first on Debt Camel. ...
Posted: Jan 13 2019 @ 7:40 AM
Mortgage lenders have to assess in detail whether a loan is really affordable for the borrower. You may think “well the mortgage is going cost the same as my rent, so obviously I can afford it“, but the mortgage lender will be thinking ahead to when interest rates go up in 2019 or 2020. A […] The post I have debts – can I get a mortgage? appeared first on Debt ...
Posted: Jan 10 2019 @ 5:10 AM
A reader asked: I’m worried about my first IVA annual review. How much detail will they go into? I’ve found the year tough with a few car problems. I switched gas and electric to try to save money but it hasn’t helped much. This is one of the many IVA issues where I have to start by saying […] The post Your IVA annual review – what happens? appeared first on Debt Camel. ...
Posted: Jan 08 2019 @ 7:22 AM
This is a bumper two-week round up as last week I published my review of 2018 instead. And it’s a great start to 2019, with the news that the DWP is postponing the “managed migration” of 3 million people onto Universal Credit that was due to start this year. Tweet of the week Happy New […] The post Debt news – January 6 appeared first on Debt Camel. ...
Posted: Jan 06 2019 @ 9:30 AM
What are your New Year Resolutions for 2019? Ones about money are common – how to save more, clear debts, improve your credit record etc. Some people scoff these resolutions. But it’s a good idea to take a step back once a year and ask yourself what you would like to change in the next […] The post How to succeed with your New Year debt and saving resolutions appeared first ...
Posted: Jan 03 2019 @ 8:47 AM
It’s been another busy year on Debt Camel. More than 2.2 million page views, up from 1.7 million in 2017. Normally August is a quiet month, but look what happened this year: Debt Camel’s top ten articles in 2018 How to get a payday loan refund (with template letters) Wonga – Latest News on refunds […] The post Debt Camel’s most read articles in 2018 appeared first on Debt Camel. ...
Posted: Dec 31 2018 @ 9:30 AM
At the end of 2017 I wrote: Persistent credit card debt and overdraft charges tackled, bailiffs brought under control, SFS being used by all creditors, and a breathing space that will actually work in practice – that would be a good 2018. That would have been an amazing 2018 – I would have been happy with […] The post Debt advice in 2018 – my round up of the year appeared first ...
Posted: Dec 30 2018 @ 8:04 AM


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"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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