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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.

Act Now: Wipe Out your Credit Card Debt!

The statistics of debt in United Kingdom is truly alarming! Recent surveys revealed that an average Briton owes over £33,000 on their personal loan, car loan, mortgage, and credit card debt. In fact, this figure has already doubled from £17,000 since the year 2000.

Bankruptcy statistics is also on the rise, increasing at 2% every year. What placed UK in this predicament? Could it be the culture of using credit cards automatically for any purchase when there’s no cash available?

Don’t Feel Bad

Are you the kind of person who has the habit of spending money you don’t have? Or is there a serious medical issue in your family that you need to take care of, and this brought you to your current situation right now? Whatever your reason is, the fact still remains that you have a deep card debt that you need to address.

The situation is made more difficult today because of the steady rise in cost of living, and people often get by only through credit card use. But you shouldn’t feel bad if this is happening to you. Most households across UK also have this problem and a lot of them want to get out of debt too.

So if you want to rise above the crowd, you have to find ways on how to get rid of your credit card debt. And one way to do it is to seek debt relief from credible financial institutions.

Seek Debt Relief

Since a lot of people have come to realize their problem, many have been seeking several forms of debt relief recently. This is because you might find it difficult to obtain a loan for a car or house if your card debt makes up more than half of your credit limit.

Debt relief from credit cards can take many forms. First of all, you should accept that you have a financial problem and change your spending habits immediately. Try to live below your means for a while until your debt issues have already been settled.

It is also important to make minimum payments for the meantime. But when you have already thought of a better solution to pay off your debt – such as increasing your income, decreasing your expenses, or applying for a debt consolidation loan – you should increase your monthly payments in order to zero out your balance.
Whatever debt issues you may have, continuing your old ways will do nothing for you. You need to act early and strive to reduce or totally wipe out your credit card debt . GP

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