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	<title>Sunny Days - Blog Spot &#187; Debts</title>
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	<description>A free self help resource for the UK</description>
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		<title>Objective advice about Debt</title>
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		<pubDate>Thu, 01 Sep 2011 19:55:51 +0000</pubDate>
		<dc:creator>John O'Keeffe</dc:creator>
				<category><![CDATA[Debts]]></category>
		<category><![CDATA[actions]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[assistance]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debts]]></category>
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		<category><![CDATA[objective]]></category>
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		<description><![CDATA[There are few more frightening things in life than debts that are out of control, and fewer still that leave you feeling so hopeless. Here are a few bits of independent advice about debts. The first sounds obvious, &#8220;You Are Expected to Pay&#8221;. On the face of it, it sounds obvious, but it has implications <a href='http://www.sddl.org.uk/index.php/objective-advice-about-debt.htm' class='excerpt-more'>[...]</a>]]></description>
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		<title>A Bailiff Guide &#8211; know your rights!</title>
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		<pubDate>Thu, 01 Sep 2011 19:50:36 +0000</pubDate>
		<dc:creator>John O'Keeffe</dc:creator>
				<category><![CDATA[Debts]]></category>
		<category><![CDATA[actions]]></category>
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		<category><![CDATA[care]]></category>
		<category><![CDATA[collection]]></category>
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		<category><![CDATA[duties]]></category>
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		<description><![CDATA[Introduction A visit from a bailiff can be a very frightening and distressing experience. This section explains what a bailiff can and cannot do if they visit your home and what your rights are. What is a bailiff? A bailiff is someone authorised to collect a debt on behalf of a creditor. A creditor is <a href='http://www.sddl.org.uk/index.php/a-bailiff-guide-know-your-rights.htm' class='excerpt-more'>[...]</a>]]></description>
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		<title>Council tax arrears</title>
		<link>http://www.sddl.org.uk/index.php/council-tax-arrears.htm</link>
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		<pubDate>Thu, 01 Sep 2011 19:16:44 +0000</pubDate>
		<dc:creator>John O'Keeffe</dc:creator>
				<category><![CDATA[Debts]]></category>
		<category><![CDATA[Bailiff]]></category>
		<category><![CDATA[Council]]></category>
		<category><![CDATA[Guide]]></category>
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		<category><![CDATA[Tax]]></category>

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		<description><![CDATA[What happens if the bailiffs have been instructed? Under Council Tax legislation, the bailiff collecting Council tax arrears must, by law, be a Certificated Bailiff if he levies on goods. This means that he if he gains entry into your home, and lists items on a Walking Possession Form, he must, by law, be Certificated. <a href='http://www.sddl.org.uk/index.php/council-tax-arrears.htm' class='excerpt-more'>[...]</a>]]></description>
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