Credit Card Debt Help

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A Real Life example of how our services changed
one customer's life for the better...

Mr A. of Guildford contacted us in October 2006. He was at his wit's end. Having purchased his home earlier that year, he had no equity to borrow against, and the mounting costs of his new home and supporting his wife and two young children had quickly put him £50,000 into debt.

His monthly minimum payments were over £900, and even at this level he was only repaying the interest each month - the original debt was not even reducing. After his mortgage and these payments, there was barely enough left for his family to live on.

Gradually things got worse. Mr. A. started to miss payments on his credit cards and mortgage - his wife was concerned that they were going to have their beautiful new home repossessed by the building society. She saw one of our adverts and begged him to take action before it was too late.

Our professional qualified advisors arranged an Individual Voluntary Arrangement (IVA) for Mr.A which meant that his debts could be repaid at £325.83 per month, payable over 5 years. Now he will repay a total of £19,549.80, instead of the £50,000 plus interest that he owed. Over the 5 years, that's a saving of over £84,000! Yes, just by talking to us, Mr. A saved over eighty four thousand pounds.

Mr. A and his family are now more relaxed and confident that they have enough money to pay their mortgage and enjoy the good things in life. And best of all, in 5 years, they will be 100% debt free.

Credit Card Debt Help through Consolidation

In the United Kingdom, millions of residents admit that they are seeking credit card debt help. Here is a bit of trivia: the average number of credit cards that a Brit owns is four. In accordance to that, there are several large credit card companies in the UK that issue millions upon millions of new cards annually. The UK currently owes more than £70 billion in credit card bills, and as statistics explain it, nearly 10% of all consumers in the country do not pay off these bills on time. The non-payment is then translated to added interest and larger balances.

Who are these people who should be getting credit card debt help? As many resources and financial advisers would say, these are the folks who carry more than one active card, do not pay their bills on time, and spend more than half of their available credit limits. However, these consumers are still given the chance to restore their credit ratings, through the options provided by banks, and private loaners.

First of all, what is the significance of the credit rating? Also called the credit score, this is a figure that helps various institutions determine the financial health of a consumer. If one is to get an auto loan or a home mortgage loan, it is the credit score that indicates one’s capacity to pay. In this way, it will be easy to get approved for these loan applications. In terms of the people who have many credit cards and huge overdue balances, their credit ratings can suffer badly if they are not repaired right away.

Credit card debt consolidation is the option for people who want to take care of all their dues. This is a form of loan that helps erase all existing credit card debts. You consolidate or put together all your bills, and that amount will be loaned to your by your lender. You will then determine a fixed interest rate and fixed monthly which you should pay promptly. This is better than having to go to different companies to pay individual bills.

For those who seek credit card debt help , it is always advised that wiser financial choices should be made in the future. A monthly budget and savings account should be established, and at the same time, it would be safe to just have one credit card, and only use it as necessary. You can find out more about this when you consult a financial adviser about your current status and your intended mode of debt payment. GP

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