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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: I work in a Finance Department and I am worried I will be called by a debt collector about a credit card. Can I say I don’t want them to call me at work? This is a common worry. Whatever your job, you don’t want your manager or your colleagues to know you have money […] The post Can a debt collector or a lender call you at work? appeared first ...
Posted: Nov 13 2018 @ 9:38 AM
My pick of last week’s news is Government must urgently reassess sanctions regime. Tweet of the week One of the best tributes to fallen soldiers I have ever seen. Ghosts of soldiers silently standing over their graves St John’s Churchyard, Slimbridge. Created by local artist, Jackie Lantelli. #LestWeForget #lestweforget18 pic.twitter.com/rYGUUYEAn5 — Pocket Sergeant (@PocketSergeant) November 9, 2018 […] The post Debt news – November 11 appeared first on Debt Camel. ...
Posted: Nov 11 2018 @ 9:29 AM
Here are some ideas to cut down what you spend this year on Christmas. It’s not worth getting into more debt for one day which will make all of 2019 much harder for you. With just over a month to go this is a good time to be starting to plan. Finding ideas for cheap […] The post Christmas 2018 – keeping the cost down and the fun up appeared first ...
Posted: Nov 10 2018 @ 7:00 AM
Your IVA seemed like the perfect solution when it began, but now it’s failing. Will you be back to square one and have difficult creditors to deal with? Or could you even be made bankrupt? First, there may be ways to rescue your IVA An IVA failing may not be a disaster, for some people there […] The post What happens after an IVA fails? What can you do? appeared first on ...
Posted: Nov 09 2018 @ 10:23 AM
Balance transfer deals are less good than they used to be. 18 months ago you could have got a 43 month deal. Since then the trend has been down all the way – shorter 0% periods and often higher transfer fees as well. Now, in November 2018, the best you can do is a 33 month deal. […] The post 0% balance transfer deals – not so good in late 2018 appeared first ...
Posted: Nov 07 2018 @ 6:17 AM
Here is a very common situation: I have £12,000 of debt on a couple of credit cards and a catalogue.  Is a loan the best way to sort this out as soon as possible? It’s not possible to answer that without a lot more details… but let’s explore the options and see what makes some […] The post The best way to clear credit card debt is … appeared first on ...
Posted: Nov 06 2018 @ 8:13 AM
My pick of last week’s news is the Treasury’s consultation on Breathing Space and a Statutory Debt Repayment plan. Tweet of the week It is with great sadness I have resigned from one of the best jobs in Government. Thank you so much for all the very kind messages of support I have received throughout […] The post Debt news – November 4 appeared first on Debt Camel. ...
Posted: Nov 04 2018 @ 8:05 AM
On 2 November 2018, RSM wrote to creditors of Ariste Holdings, best known for its Cash Genie payday lender brand, saying that it was no longer solvent. As a result, customers expected a refund or compensation will no longer receive the full amount they are due. Background – Cash Genie was solvent when it stopped trading in 2016 In […] The post Cash Genie – administrators say not enough money to pay full refunds appeared ...
Posted: Nov 03 2018 @ 2:07 PM
The Wonga Administrators sent a letter last week to some of Wonga’s creditors with their proposals to handle the administration. These include: background on the events before administration; how to decide the payday loan affordability complaints that have already been sent to Wonga; and how to encourage other customers to submit a complaint. The letter also included […] The post How the Wonga administrators will handle complaints & refunds appeared first on Debt ...
Posted: Oct 31 2018 @ 4:40 AM
The Wonga administrators sent a letter, with voting forms, last week to Wonga creditors. These creditors include some people who have made payday loan affordability complaints as they are owed money by Wonga. Customers who have commented on my Wonga Refunds – Latest news page have said things like It’s very confusing or I can’t make head or tail of […] The post Letter from Wonga administrators – do you need to do anything? appeared first ...
Posted: Oct 29 2018 @ 5:01 AM


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