Contracts Explained

Is a verbal agreement binding? Can you cancel a gym membership? We translate the “small print” of everyday agreements so you don’t get trapped in a bad deal.

Contracts Explained

Do I Really Need a TV Licence? (The “Netflix Loophole” Explained)

Flat vector illustration featuring a person holding a document standing next to a modern purple television with a question mark on the screen and a magnifying glass overhead, representing a TV licence compliance check and legal inquiry.

Watching only Netflix or YouTube? You might not need a TV Licence. We explain the strict rules, the "Netflix Loophole," and how to legally cancel your £169 fee.

Kav
January 10, 2026

Contracts Explained

Debt Collectors vs Bailiffs: 5 Crucial Legal Differences (UK 2026)

Split-screen flat vector illustration comparing Debt Collectors vs Bailiffs. The left side (blue) features an envelope and ringing telephone to represent communication, while the right side (red) displays a yellow wheel clamp and judge's gavel to represent legal enforcement powers.

Confused about Debt Collectors vs Bailiffs? We explain the massive difference in their legal powers, who can enter your home, and how to stop them immediately.

Kav
January 6, 2026

Contracts Explained

Can’t Pay Your Council Tax? Don’t Ignore It (The “Priority Debt” Warning)

Overhead flat vector illustration of a cluttered kitchen table featuring an open Council Tax letter, a calculator, a red pen, and a cup of tea, symbolizing financial worry, household budgeting, and the cost of living crisis.

Struggling with Council Tax? Do not ignore the letters. Council Tax is a 'Priority Debt' with harsh penalties. Check if you are eligible for a reduction or discount today.

Kav
January 5, 2026

Contracts Explained

Sudden £2,000 Energy Bill? Check the “12 Month Rule” Before You Pay

A purple vector illustration of a crumpled electricity bill with a large red circle around the high amount of £2,001, next to a calculator and a cup of tea, illustrating a shock energy bill and the context for the Back Billing Rule in the UK.

Received a massive catch-up bill from your energy supplier? Under Ofgem's Back Billing rules, you cannot be charged for energy used more than 12 months ago.