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and you could soon be seeing
a brighter future too.

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.

Get Help to Pay off Your Credit Cards

There are millions of Brits who are in dire need of credit debt help, much like a lot of people elsewhere in the world. On the average, a British wallet would have about 4 credit cards. This is not a surprise, since many credit card companies in the UK release millions of these cards every year. As of the present time, the UK has gathered £70 billion worth of credit card debts. Also, according to statistics, about one in every 10 UK consumers does not pay their card bills on time, causing interest rates to inflate the already overdue balances.

People who have a lot of credit cards, spend more than their limits, and pay beyond the due dates specified are those that should turn to credit debt help solutions. Through these services offered by banks, financial institutions, and private firms, consumers in the UK are given the chance to get back on the right track to financial health and restore a good credit rating.

Speaking of credit rating, how important is it anyway? If you want to apply for a mortgage loan, the lender will look into it. The same goes with your auto dealer, insurance provider, and others. When a consumer has a good credit rating, he or she has the capacity to pay on time and completely. Approvals for the mentioned applications will not be a problem. However, if one has tons of credit card debts, then expect his or her credit rating to be poor.

To be able to pay off one’s credit card debt, an alternative would be in the form of credit card debt consolidation. This is a type of loan wherein the balances of all credit cards will be combined, and that amount will be loaned from the debt consolidator. After this, all debts are considered paid. The borrower’s responsibility is to pay the debt consolidator at a fixed rate and amount every month until the loaned amount is completed. There are now many people in the UK who turn to this as their solution for large amounts of card debt.

Indeed, credit debt help can benefit you if you can manage yourself better after you have paid off your dues. Though this does not happen in all cases, there are consumers who wind up getting back in the debt rut after they have been granted their credit card consolidation loans. The advice of financial experts: start a budget that you can manage every month, and set aside funds in a bank account for safekeeping. GP

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