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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.

Manage Your Debts Today

Debts help in the UK is a very much talked about issue. There are reports that tell of the over £1.4 trillion worth of consumer debts in the country, as of the year 2008. The sources that gave these statistics mentions that consumer debts is the combination of all credit card loans, home mortgages, auto loans, and other loans in the UK. Here is some trivia: did you know that the average debt of every household in the UK is about £60,000? Interestingly enough, debts are far from being erased, as these figures are estimated to grow by 5% annually.

Because of these current problems and rising number of indebted consumers, debts help have become available for those who want to have a clean financial slate. These financial solutions help people manage their budgets, and at the same time reduce the amount of debts they owe. In this regard, it is important to mention the impact of the credit rating for consumers. People with good credit scores or credit ratings are those who have the capacity to pay on time, which is why applications for loans of various types can be easier. On the other hand, people with a lot of debts can wind up having poor credit scores.

Speaking of credit, credit cards contribute a chunk to the national consumer debt in the UK. The average number of active credit cards that a UK resident has is about four. At the same time, adding up the total credit card debt in the UK as of 2008, the amount is almost £70 billion. Despite these figures, credit card companies still entice new accounts to be opened, and issue millions of new cards annually.

A form of help from debt that you can resolve to would be debt consolidation. These are types of loans which are alternately called credit card debt consolidation, since most people apply for these to help reduce their credit card balances. Through this loan, the borrower is able to wipe off all his existing card debts, and end up paying to only one company, which is his loaner. This is much better than worrying about several individual cards, and the variations in interest rates of specific credit card companies.

Debts help is possible for consumers who are willing to make that change to a healthier and more balanced financial status. Credit card debt consolidation is only one avenue you can take, although there are several others based on your current financial situation. Ask your financial consultant about the best options for you. GP

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