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Debt Advice Handbook 16th edition
Chapter 4: Types of debt
Debt Advice Handbook 16th edition
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Debt Advice Handbook 16th edition
Chapter 4: Types of debt
Back to previous
Chapter 4: Types of debt
1. Housing debts
Mortgage
The legal position
Special features
Checklist for action
Mortgage shortfall
The legal position
Special features
Checklist for action
Rent
The legal position
Special features
Checklist for action
Secured loan
The legal position
Special features
Checklist for action
2. Utilities and household debt
Child support payments
The legal position
Special features
Checklist for action
Gas and electricity charges
The legal position
Special features
Checklist for action
Maintenance payments
The legal position
Special features
Checklist for action
Water charges
The legal position
Special features
Checklist for action
3. Credit debt
Bank overdraft
The legal position
Special features
Checklist for action
Credit card
The legal position
Special features
Checklist for action
Pawnbroker
The legal position
Special features
Checklist for action
High-cost short-term loan (formerly payday loan)
The legal position
Special features
Checklist for action
Personal loan
The legal position
Special features
Checklist for action
Revolving credit
4. Goods on credit
Bill of sale
The legal position
Special features
Checklist for action
Budget account
The legal position
Special features
Checklist for action
Charge card
The legal position
Special features
Checklist for action
Conditional sale agreement
The legal position
Special features
Checklist for action
Credit sale agreement
The legal position
Special features
Checklist for action
Hire purchase agreement
The legal position
Special features
Checklist for action
Interest-free credit (Buy Now Pay Later)
The legal position
Special features
Checklist for action
Mail order catalogue
The legal position
Special features
Checklist for action
5. Tax, business and benefit debts
Business debts
The legal position
Checklist for action
Council tax
The legal position
Property element
People element
Liability
Checklist for action
Income tax arrears
The legal position
Special features
Checklist for action
National insurance contributions
The legal position
Special features
Checklist for action
Non-domestic rates
The legal position
Special features
Checklist for action
Value added tax
The legal position
Special features
Checklist for action
Benefit overpayments
The legal position
Special features
Recovery of benefit overpayments
The discretion not to recover
Negotiating repayment plans
Payment in full (and reinstatement of benefit)
Insolvency
Abandonment and Limitations Act 1980
Checklist for action
Tax credit overpayments
Transfer of overpayments to the DWP
Other methods of recovery
6. Fines and civil penalties
Civil recovery
The legal position
Special features
Checklist for action
Fines
The legal position
Special features
Checklist for action
Private parking charges
The legal position
Special features
Checklist for action
Penalty charge notices
The legal position
Special features
Checklist for action
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CPAG. "Chapter 4: Types of debt." In
Debt Advice Handbook 16th edition.
, 2026. Accessed March 21, 2026.
CPAG,
https://askcpag.org.uk/?id=-268054CITANCHOR.
CPAG. "Chapter 4: Types of debt." In
Debt Advice Handbook 16th edition.
, 2026. Accessed March 21, 2026. https://askcpag.org.uk/?id=-268054CITANCHOR.
Contributor(s):
CPAG
Title:
Debt Advice Handbook 16th edition
Site name:
CPAG
Publisher:
Publication date:
February 24, 2026
Date accessed:
March 21, 2026
URL:
https://askcpag.org.uk/?id=-268054CITANCHOR
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