• bank loans
• credit cards
• overdraft
• overdue utility bills (water, gas, electricity, phone, etc.)
• debts to the government: taxes, VAT, customs duties
• council tax
• overpaid benefits due to calculation errors
• overdue rent
• private debts
• instalment purchases
• debts arising from self-employment
• parking fines issued by civil services
• Bounce Back Loans – in such cases, the Official Receiver may check if the funds from BBL were spent in accordance with their purpose, i.e., on business expenses.