|
|
|
|
|
|
|
|
|
Are you seeking a solution to your debt problems? Do you need impartial debt consolidation advice? We offer a range of professional debt consolidation solutions to help you manage debt and eliminate problem credit cards, store cards and loans. Our debt consolidation advice is 100% impartial and we are committed to working with you in the strictest confidence to find a debt solution that best fits with your personal circumstances, whatever they may be.
Debt Consolidation Plans
Debt consolidation is a process of eliminating unaffordable debt by consolidating it into one or more carefully managed and affordable debt consolidation programs. Debt from your credit cards, personal loans and other borrowings - like your mortgage for example - is settled with the lender. Your debt is then transferred into a consolidation plan, and an affordable repayment solution is tailored to your personal and financial circumstances. You'll no longer have to juggle debt repayments to different lenders. Instead you'll have a debt consolidation solution where you need only make a single repayment each time to just one lender, and still have enough left over to enjoy life.
Debt Consolidation Loans
The simplest method of debt consolidation is a debt consolidation loan. This solution is an affordable loan, sourced from our panel of lenders, which covers all of your problem debts. Your credit cards and existing loans are paid off, and you instead make one easy repayment to a single lender.
We offer a choice of secured and unsecured debt consolidation loans. Please contact us for impartial advice.
Debt Management
Good debt management is the key to a happier and healthier life. When we struggle to manage debt, money-anxiety and stress can take its toll. With our debt consolidation management solutions you can rid yourself of these worries. We offer managed debt solutions that focus on making your debt more affordable. We can negotiate reductions in payments with your creditors, and even freeze interest rates on repayments. Contact us today to see how we can help you live a stress-free life.
IVAs: Individual Voluntary Arrangements
An IVA is an alternative debt consolidation solution. It allows you (subject to acceptance) to repay your creditors only what you can afford over a finite period of time - usually five years. The remainder of your debt is then written off. IVAs are suitable for people with unsecured debt of over £15,000. Depending upon your personal circumstances you can reduce your debt by up to 75% of the original amount when you use an IVA.
Trust Deeds (Scotland Only)
Trust Deeds are a legal process used in Scotland to reduce debt. They are similar to IVAs in England and Wales, and can be used to reduce debt by agreeing a series of affordable voluntary payments to creditors. Trust Deeds are taken out over a 3-year period. After this time the remainder of the debt is effectively written off. For more information on how Trust Deeds and IVAs can help you, please contact us. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
We consider various situations for approving debt consolidation loans: |
|
|
|
 |
|
Credit Card Debt |
|
|
|
Bank Loans |
|
|
|
Store Cards |
|
|
|
Overdrafts |
|
|
|
Rent Arrears |
|
|
|
Mortgage Arrears |
|
|
|
Student Debt |
|
|
|
Unpaid Bills |
|
|
|
Busines Debt |
|
|
|
Hire Purchase |
|
|
|
|
|
|
|
|
|
|
|
