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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.

Finding Debt Help When You Need It

These days, if you want to find debt help, you have many ways of approaching the problem. You can go online and find many websites to give you advice and tips, and you can also apply for quick loans or other types of loans through the internet. But why are so many people getting focused on ridding themselves of their debts? The answer may lie in the ever growing amount of consumer debts in the UK. As of 2008, this has reached a staggering £1.4 trillion, including all credit card debts, auto loans, mortgage loans, and more.

Even in the manner of credit card bill handling, the average UK consumer is estimated to have acquired almost £2,000 worth of credit card debts. This is attributed to the average number of cards per adult, which is four. For this reason, the government has decided to impose newer standards to better help the debtors deal with their growing credit card balances. This was reported in November 2008 following a Credit Card Summit with the UK Business Secretary and several large credit card issuing companies. Through this, they were able to set a reasonable amount of time of 30 days for debtors to consult with financial advisors about their possible payment options.

For people who want to find debt help, these policies by credit card companies are only some ways by which the debt total can be lessened. However, there are consumers who are totally at a loss as to what options are available in terms of paying off debts and credit card bills. When they are also not careful about paying on time, they wind up falling victim to the interest rates of many companies. The credit ratings of such consumers suffer in the process, too.

If you have a poor credit score, it means that you are incapable of making payments on time, as one way of putting it. This makes it hard for car loan companies, home mortgage firms, and insurance companies to accept applications because of inability to pay. In this regard, it is important for an individual to immediately settle his outstanding debts, so as not to permanently affect his credit rating. More often than not, people who have gotten out of debt in the UK have managed to restore a good credit score.

To be able to find debt help , one has to open to many changes. Generally, financial consultants will advise you to cut down on your expenses and make several adjustments. All this is with the intention to help you get on the right track to good credit. GP

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