Hardship Issues

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A free service which provides vulnerable consumers the ability to record their personal circumstances at a given point in time when they are looking to protect themselves against further debt or related financial problems. This is done either by self-exclusion from credit and financial promotions or to slow down the credit application process.

Vulnerable consumers can register for FREE

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Check if the Debt Collection Agency/Debt Purchaser contacting you is using the VRS register.

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Topics	Statistics
Protective Registrations - Cifas & Vulnerability Registration Service Started by Amethyst Started by Amethyst, 5th July 2019, 11:44:AM	0 responses 31 views 0 likes	by Amethyst 5th July 2019, 11:44:AM
Benefit overpayment: not able to buy food. Started by slainte caragh Started by slainte caragh, 22nd September 2018, 10:55:AM	8 responses 204 views 0 likes	by Kati 26th September 2018, 16:16:PM
Hardship debt query Started by j4mes Started by j4mes, 23rd July 2018, 13:48:PM	8 responses 122 views 0 likes	by j4mes 26th July 2018, 21:45:PM
Lowell’s second notice of CCJ (Vodafone) Started by Confused10 Started by Confused10, 21st January 2018, 09:53:AM	8 responses 222 views 1 thank	by Vodafone Company Rep 24th January 2018, 11:35:AM
Wirral Solicitor recommendation needed Started by Teflon Started by Teflon, 29th June 2017, 20:54:PM	4 responses 1,775 views 0 likes	by Teflon 30th June 2017, 14:05:PM
Need financial help for a drop kerb Started by Spellkaster Started by Spellkaster, 20th April 2017, 14:33:PM	3 responses 3,731 views 0 likes	by enaid 21st April 2017, 08:56:AM
'Stepchange' as an option? Started by Ripleykatz9999 Started by Ripleykatz9999, 27th October 2016, 15:53:PM	29 responses 5,832 views 0 likes	by Guest 19th January 2017, 15:24:PM
Need advice regarding DWP/Budgeting Loan. Started by DawnTulips Started by DawnTulips, 16th January 2017, 21:16:PM	3 responses 2,811 views 0 likes	by Debt Camel 19th January 2017, 14:59:PM
Lowell Solicitors - Vodafone CCJ Started by Zryth Started by Zryth, 24th October 2016, 11:04:AM	3 responses 2,750 views 0 likes	by nemesis45 27th October 2016, 10:12:AM
Helping out a friend - ended up financially liable - a cautionary tale...! Started by JohnThomas Started by JohnThomas, 13th July 2016, 15:55:PM	0 responses 1,818 views 0 likes	by JohnThomas 13th July 2016, 15:55:PM
Hi, need help with Bankruptcy/DRO Advice? Started by Gemzy Started by Gemzy, 9th January 2016, 20:10:PM	24 responses 7,844 views 1 thank	by Debt Camel 15th April 2016, 17:22:PM
Preventative Advice Gap CAB report Started by leclerc Started by leclerc, 2nd February 2016, 18:36:PM	0 responses 3,133 views 0 likes	by leclerc 2nd February 2016, 18:36:PM
Daughter has water company debt she cant pay. Started by dgs Started by dgs, 16th January 2016, 20:40:PM	7 responses 4,789 views 0 likes	by des8 30th January 2016, 19:19:PM
Hi, need help with Bankruptcy/DRO Advice? Started by Gemzy Started by Gemzy, 9th January 2016, 21:21:PM	2 responses 57 views 0 likes	by Gemzy 9th January 2016, 20:43:PM
Redirect: Hi, need help with Bankruptcy/DRO Advice? Started by Gemzy Started by Gemzy, 9th January 2016, 21:21:PM	—	—
problem with estate agent making me pay for an energy certificate even though we pull Started by halsaps Started by halsaps, 6th January 2016, 13:49:PM	4 responses 2,686 views 0 likes	by Amethyst 6th January 2016, 14:19:PM
hardship, tax credits, Yorkshire Bank Hmrc, Fos, please help urgently Started by skintmember Started by skintmember, 3rd November 2015, 23:16:PM	0 responses 2,624 views 0 likes	by skintmember 3rd November 2015, 23:16:PM
Shocking pictures show OAP couple forced to live rough after being evicted from their Started by PAWS Started by PAWS, 15th July 2014, 13:01:PM	15 responses 9,731 views 1 thank	by Fred 31st August 2014, 09:49:AM
any help would be amazing please please please! Started by always poor Started by always poor, 8th August 2014, 08:57:AM	8 responses 6,350 views 0 likes	by PAWS 9th August 2014, 10:41:AM
Desperate for advice on debts Started by mrssmith2014 Started by mrssmith2014, 26th June 2014, 10:02:AM	4 responses 3,976 views 1 thank	by Debt Camel 27th July 2014, 08:39:AM
Individual Voluntary Arrangements IVA ... information from Gov.uk Started by Amethyst Started by Amethyst, 15th July 2014, 17:07:PM	0 responses 3,178 views 0 likes	by Amethyst 15th July 2014, 17:07:PM
Has anyone tried to use First right of appropriation against a bank? Started by Amethyst Started by Amethyst, 14th March 2009, 09:53:AM	15 responses 12,513 views 4 likes	by theGobbyOne 30th June 2014, 14:07:PM
Unemployment, Living on Benefits & Section21 notice Started by QueenAnne Started by QueenAnne, 26th February 2014, 13:52:PM	40 responses 14,274 views 0 likes	by rds60h 7th June 2014, 18:04:PM
Mortgage provider threats Started by vez Started by vez, 21st March 2014, 19:46:PM	3 responses 3,619 views 0 likes	by leclerc 23rd March 2014, 08:38:AM
Advice Needed for a Friend in need Started by loulouxx Started by loulouxx, 16th March 2014, 11:04:AM	2 responses 3,873 views 0 likes	by loulouxx 16th March 2014, 11:52:AM

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