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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 Good Solutions for Your Debt Dilemmas

If you are in debt, help can come in various forms, especially in the UK, where millions of consumers are likely to be in the same boat as you are in. It can be quite a shock to find out how much all consumers in the UK already owe as debt, which according to reports has already gone above £1.4 trillion. If you will divide that amount with the number of adults in the nation, you get about £30,000 in debt each.

In the UK, what are the reasons which lead to the huge amounts in debts owed? As many reports will admit, it is the credit card that rates as the number one cause of consumer debts. Every year, in fact, millions of new credit cards are issued in the country, and on the average, each adult has about four active credit cards.

You can only imagine how much the overdue balances already are with these plastic forms of money. As you can see, “in debt help” is already in demand, which is why many banks and lending institutions are offering options for people to get out of debt and be more financially stable. Here are some tips:

8. Keep only one credit card. You don’t need four. The best thing to do is cancel all the other cards once you have paid them off. This prevents you from charging too much and reduces that number of bills you must manage per month.
9. Open a bank account which you will use for savings purposes. Set aside a few hundred in Pounds per month. This way, if you have an emergency or something that must be paid immediately, you already have some money on standby.
10. Have a budget that you will follow every month. You should be able to consider all your expenses as well as other needs that can come up. Try to follow it well so you don’t spend too much, and also keep an eye on due dates of your billing statements.
11. You may also go for a debt consolidation loan as your option. Ideally, this is good for people with many existing debts and bills that have to be settled immediately.

If you are in debt, help is never hard to find, thanks to the internet and various resources already made available. Doing a standard search engine query will yield you millions of sites where you can read about facts, statistics, as well as reports and application processes for managing your debt. All over the UK, there are various financial institutions and private financial consultants that are ready to assist your with your debt needs. GP

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