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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.

Debt Management Services That Are Free of Charge

The debt crisis today in the UK is felt by millions of its citizens and more are joining their ranks at an alarming hourly rate. Various debt services are suddenly in demand because of this grim economic crunch. What are the circumstances that get people into debt?

Generally, borrowers can easily be able to pay off their debts and other financial obligations. Unexpected changes in life situations like divorce, unemployment or death of the sole breadwinner are the major causes that trigger debt problems.

Borrowers can also get themselves into a severe debt problem by over-committing themselves. By getting into credit agreements that they eventually cannot afford, people are suddenly plunged into a world of debt. There are also those who just can’t make ends meet, either because of a low-paying job or as a recipient of social welfare benefits and can easily fall into dire debt situations.

The National Debtline, one of the better debt services in Great Britain, can be accessed by its debt-laden residents. This nationwide telephone helpline service is secure, dependable and, above all, free. The company has been in service for more than 2 decades and was created as a sister company of the Institute of Money Advisers and Birmingham Settlement. At present, The National Debtline functions under the auspices of the Money Advice Trust.

The service offers debt management lessons for its phone-in clients and also publishes self-help modules and literatures for customer support. National Debtline’s self-help module published for Wales and England was a recipient of various industry awards and citations. It has also been presented with recognition awards for community service.

They provide professional advice on a wide area of debt-related problems from credit card delinquency to late charges. They can be reached through phone, E-mail and snail mail. The service will also help callers to set up their debt management programs in Scotland as well as in England & Wales.

One of the well-recognized debt services is Money Advice Trust, a registered charity launched in 1991 to enhance the quality and accessibility of free financial advice in the UK. They work closely with government and other leading financial advice companies.

Money Advice Trust is recognised by the government and the private sector as an industry leader offering quality money advice at no charge.

The Money Advice Trust provides convenient online information through its website at www.moneyadvicetrust.org and provides the public a wide range of useful financial information from a varied selection of sources. Presently, they receive funding in the form of government grants and donations from the private sector. GP

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