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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.

How to Be Debt Free

Many people long for the elusive moment when they can be totally debt free. Hard as it seems, this feat is not entirely impossible. Even if the national consumer debts of the UK is beyond a walloping £1.4 trillion, there are still various modes of settlement by which debtors of today can pay off their dues and be worry-free. Here is another useful bit of info: each adult in the UK is estimated to have total debts of over £30,000 each. And on top of that, the average number of credit cards in a Brit’s wallet is said to be four.

With these statistics in mind, it is not hard to imagine the great need for debt solutions in the soonest time possible. It was in November 2008 when the British Business Secretary met with major card companies at the Credit Card Summit to discuss changes in interest rates policies and provision of enough leeway for debtors to settle their huge balances. From these proceedings, it was agreed upon that credit card holders are given time to consult a debts advisor about possible avenues to take to pay off their bills.

Here is one common approach on how you can be debt free which most financial advisors might also recommend: the debt consolidation loan. When you apply for this type of loan, you should fit certain criteria, such as a minimum amount of debts owed, monthly salary, good credit standing, and others. This is a good way to settle several credit card debts at the same time, since the consolidator will loan you the amount to pay for them all. You end up with one loan to be payable to your financial firm on a monthly basis, given a fixed interest rate. This is much better than having to pay different credit card bills at different times of the month, with varying interests to boot.

There are several other methods that a debtor in the UK can use if he or she wants to settle his overdue balances. To get started, one can take a look at the many websites online that feature information as well as application processes for debt consolidation as well as other forms of debt management. If you have already a couple of firms in mind, you can call them for a free consultation so you can determine your current financial status, and what options are the best to take. Remember, you can only be totally debt free if you are willing to make huge adjustments on your spending patterns. GP

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