Prepaid cards to Pay as you go in England UK
Do you need the many benefits of a credit card without the bill at the end of the month?
Whilst credit cards seem to be the most common cause of people struggling with debt in the UK, there is a way to enjoy the benefits of a credit card without all the personal debt problems associated with them.
- It’s called a Prepaid card!
- You may have heard of them!
How does the idea of having a credit card without the monthly bill or the eventual need for debt help afterwards sound?
We think lots of people will find this an amazing opportunity to benefit from all the positive aspects of credit cards whilst doing without the negative parts. This card is based on the principal of ‘Pay Now – Buy Later‘ rather than ‘Buy Now – Pay Later‘ like normal credit cards.
- Anyone can use it and it’s called the cashplus Gold prepaid MasterCard ®
How does it work ?
This card works in exactly the same way as most credit cards would but with one exception!
With this card you ‘load up ‘ the card with money before you use it then you can spend that money on the card at your leisure so you can never get in personal debt with the card and therefore you never get a bill at the end of the month.
This idea is great for people who have had problems with debt in the past and have problems getting credit or simply for people who want to use a credit card but don’t want the bills.
Will this card help me get out of debt?
On its own, it wont get you out of debt, but It could be part of an overall personal debt management plan which by controlling your spending will inevitably help you with your debts.
Can I use it anywhere like a normal credit card?
Because the cashplus card bears the MasterCard ® logo, it can be used anywhere you see the MasterCard sign or logo all over the world in exactly the same way you would with a traditional MasterCard credit card. You can use it to buy or pay for any of things you would normally buy with a credit card.
- The following is a short comment regarding the comments a consumer had about recently obtaining a prepaid card when she was struggling to obtain a bank account and new credit card.
“This card is fantastic for people like me. I can’t resist spending so a credit card is no longer an option for me. This prepaid card is great, I save up on it when I can afford it then go and blow it all on a shopping spree without having to worry about paying for it all when I get home.”
Try the prepaid cashplus MasterCard®
Manage Personal Debts with Debt Management
Debt Management help and advice in the UK can be the first step to clearing personal debts!
- Learn how to manage your debt through debt management.
- Learn how to manage your debts better using our debt management plan. We will try to make your getting out of debt simpler and less expensive.
Taking control of your debts is the single most important thing to personal debt help if you want to become clear of debt. To take control of your personal debt means managing the debts in a logical and organised fashion. There are lots of ways to eliminate the debts themselves, but all these methods should form part of a carefully considered debt management plan.
Prioritising your debts is an important part of your debt management plan. We work out which debts are the ‘must pay first‘ or “priority debts” as they are known, bills like your mortgage or rent, council tax and utilities. These bills must be paid to keep a roof over your head.
- HIGH INTEREST RATES COMPOUND YOUR DEBTS!
After that, we will look at the most expensive debts. Personal debts like credit cards or store cards with high interest rates are typically the ones that cost the most to repay or manage but others like unsecured loans can also be very expensive debts. In fact, we will try our best to make sure your interest and charges are kept to a minimum if not even frozen all together, however, we cannot guarantee this.
We attempt to go one better than most debt management companies in that we actually believe in debt reduction and not just the simple management of an individuals personal debts.
DON’T PAY TOO MUCH FOR DEBT MANAGEMENT!
Most debt management companies charge their clients a percentage of their monthly repayment. This has the negative result that if you decide to pay more each month, the debt management company takes more too. This is not the case with us, more of your money is sent to your creditors if you pay us more. This is just one of the ways we show that we are serious about getting people out of debt and not just trying to take more money of their money. read more about our fees for our debt management plan.
- Debt management UK information about what it can do for you!
- Get debt advice and help today!
- Do you need debt help and advice regarding an IVA or Individual Voluntary Arrangement?
- Do you constantly think how can I end my debt?
All of these things are worth understanding better before you embark on any debt management plan because then you will fully appreciate what is being done and why. If you read the information and are still not sure or feel a little confused, don’t worry, we are here to offer debt help.
- Call us today FREE from a land line using 0800 018 6868 and we will do our utmost to try to help YOU!
- Haven’t your debts held you back long enough?
- Don’t you wish you could get clear of or stop being confused by debt today?
- Don’t you wish you had more control over your money each week?
With our expert debt management help you could!
Make the decision to get help right now! Call us free today from a land line using 0800 018 6868 and one of our trained advisors we gladly discuss your situation and they will give offer you help and advice in confidence to clear debts.
- Debt Management help & advice in England, Scotland, Wales & Northern Ireland.
Debt management is a process where you or a third-party on your behalf, negotiates with your creditors to reduce the current contractual payments set at the point of signing the respective credit agreement based on the contracted person having suffered a genuine change in personal circumstance.
- Some debt management companies in the UK will tell you anything you wish to hear just to win your custom. Lewis Alexander is NOT one of them. We will try to advise you on the best and most economical way to clear debts.
Clearance of debt should be done by making sure that the total repaid is kept to a minimum whilst also taking into account the clients particular circumstantial financial requirements, both now and for the future. Debt Management can be an excellent route to control and clear your debts.
We have provided links below regarding searching for Debt Management in the UK, thank you for your visit today.
- Debt Management for a Single Parent
- Debt Management to stop debt collectors
- Debt Management due to being refused loans
- Debt Management after or instead of doing an IVA
- Debt Management to escape Bankruptcy
- Debt Management for people made Redundant
- Debt Management for a disabled person
- Debt Management for Service Men and Women in the Army or Armed Forces
Struggling with personal debt problems
- Reliable debt advice is something we feel everyone should have access to in modern Britain. We offer precisely that.
- Talk to us today and we will try and help you try to make your debt problems less of a problem.
Personal debt can be one of the most stressful long-term issues a person or couple may have to face during their life. It is one of those problems that people do not often talk about or admit to because there is a stigma attached to personal debt in the UK. Find out how to clear credit card debt with debt management UK.
We believe that this should not be an issue when someone finds themselves struggling in debt. More important is that the person is given the best possible debt help and advice to allow them to work themselves through the debt problem and become clear of debt again.
What causes the debt in the first place?
When people come to realise that they have a personal debt problem, it can sometimes surprise them how they managed to get into so much debt. Spending patterns are not always the reason for serious debt problems. Often debt can be the direct result of common life experiences and changes in circumstance.
- The following are some of the more common reasons people suddenly find themselves in debt.
Debt through redundancy
Redundancy is something that can suddenly hit unsuspecting families without warning and this can mean people are then in a position where they can not meet their financial commitments.
Debt through divorce
Although divorce is something that doesn’t necessarily happen suddenly, the effects of divorce can be just as devastating. Financial implications of divorce can be huge with one or both partners having to make enormous financial changes to cope with their new status.
Debt after retirement
Obviously, people who have reached retirement age and have then gone on to completely retire experience a huge change in their lives. This is not only a change in their working lives but also their financial lives in many cases. Some people experience a transition into personal debt whilst on a pension that they cannot do anything about. We can try to help you if you find yourself in this position.
Debt because of bad health
An unexpected illness, whether short-term or long-term, can cause unwanted debt problems. Illness can cause unexpected expense that can tip the balance between coping financially and being in debt. Let us help you with up to date advice.
Debt due to disability
Living with disability can often cause debt in itself as many disabled people have to try to live on a very low-income with no prospect of improvement. Contact us for personal debt help and advice in confidence today.
Debt through death
Death brings on many different problems for surviving family members, not least of which are the financial difficulties death can bring. Find out what help is available for people coming to terms with death in the family and find out what things can be done to alleviate the pressure often felt by personal debts caused by death.
- If you want to get the debt help and advice we can offer, call 0800 018 6868 today.
- We have fully trained advisors who will give the best help and advice they can in total confidence.
Youth unemployment and personal debt
As unemployment figures reach their highest since the early 1990’s, the two stats that are most regularly focussed on are the number that have been unemployed for 12 months or more and the volume of under 25’s who are currently registered as unemployed. For the record these two figures currently stand at 833,000 and 965,000 respectively.
- So why is youth unemployment such a problem?
Well, for a start it leads to worrying headlines from newspapers (who should really know better) about ‘lost generations’ and it reinforces stereotypes about youngsters being lazy.
It also reflects a lack of new positions being created within the job market. In times of economic difficulty, employers are less likely to take chances on less experienced staff, preferring to go with the fully-skilled employee who can deliver immediate results. It is also likely that the experienced worker will be available for less, so they become a more attractive proposition.
Perhaps most worry is the fact that business leaders claim unemployment in the young is owing to the absence of genuine work skills from those leaving education at school, college and university. Top of these claims include: an inability to perform simple mental arithmetic, a lack of inter-personal skills making dealing with the public impossible, (and from our university graduates) a real lack of marketable knowledge. It appears that my BA (Hons) David Beckham Studies is useless after all. Although it did include an entirely enjoyable module studying the life and times of The Spice Girls!
Increasingly UK Job Centres and careers counsellors are advising the young and unemployed to undertake further training. As budgets for this training reduce, the cost is often borne by the student themselves. This return to education may reduce the volume of the young and unemployed in the short term, but in the long term will create a wave of people who return to the labour market, potentially still without those basic skills employers crave.
So if you are trapped in a cycle of unemployment what can you do to improve your situation? Perhaps the first place to start is thinking about the type of job that you are looking for. Is this something that you are fully qualified to do? If so, have you just been unlucky? Or is it because you lack the practical experience? Where this is the case, whilst it hurts to give away your skills for free, a period of volunteering can unlock doors. The more commercial amongst you may even make an offer that provides a £zero salary, but will generate an income for you if you can bring in revenue from the work you do, or can clearly demonstrate how you have cut costs.
If you don’t really have the skills for your desired profession, then the decisions to be made are more drastic. Firstly, are you being realistic in your expectations for a career? And if not, do you need to complete some drastic retraining? Whilst applying (and not getting) jobs can be depressing, it can be avoided if these roles were pipe dreams in the first place. If you are being realistic, then maybe you need to consider falling back on a different career until prospects in your field improve. The sarcastically inclined amongst you, may argue that this is why every Barrister is a writer and every waitress in London is a wannabe West End Actress!
- Sarcastic, maybe… but you can see the logic of having a back-up career to help with debt and pay the bills.
Interest rates to hit 6% and standard of living on hold for 2 years
- Welcome to Britain!
- Do you buy British?
- What have we been left with from years of overspending, over lending and over borrowing?
We have been left with the prospect of facing the title of this blog post.
Not all people have over spent or over borrowed and some if not a great number have been subject to unexpected changes in personal circumstance. This could be a loss of job or fewer hours at work or possibly even an accident or illness.
House prices are steadily dropping instead of crashing and household budgets are being tightened every day. It is no fault of the current coalition government but it does fall on them to sort.
It is a shame for our society that the governments’ time need be spent on sorting a past and current problem instead of using the time to positively move ahead with the allocation of previously retained funds that a departing government could have left.
- Wishful thinking!
Regardless of the reason why we are in this position we still have to have a firm idea of how we can individually help ourselves and not just accept the news stories that state the title of this post and be bogged down with negative attitudes towards the nations’ financial future.
We have no incentive to save as interest rates are low, we have little ability to increase our earnings if our main jobs take up the majority of our time, so what can we do?
Well, those with money should be spending it as the circular flow of the economy needs the constant re injection of gained funds, without this a few would end up very rich holding their money and we would all be working for them, hang on, is that what is going on?
- Where are these cash hoarders spending, is it in Britain? No!
The majority of the high paid who take income from the British Isles, do not tend to spend the majority of that income here. Apart from mortgage repayments and general / subsistence costs for being in the UK, they do not holiday here, or buy second properties here.
The money moves out of the country very quickly and this mass bulk of funds that would in other years gone by be spread around the retails tills of the UK, now goes into Europe, Asia or the USA. This would be okay if as much of the money from the other continents came here but we do not seem to be able to attract enough.
If you buy British you are helping our economy, it is not easy to find everything we need at the price we want with a “Made in Britain” label on it but by thinking outside the box, you may be able to find other ways of increasing your “Buy British” spend.
If we all bought more British products and services it would cost us but our economy would benefit and in turn the cost would reduce.
When our personal finance consultants speak with potentially new clients for the first time, we often find that each story is very different but the same under lying issues are there;
- Reducing incomes
- Increased cost of living
It can be very difficult for people to accept that one month they were okay and the next they are considering finding some sort of solution that can help with debt problems.
Not all situations require severe debt solutions such as Bankruptcy or an IVA and most can be dealt with simply through a debt management plan.
Clients that accept our advice usually find the help with debt that they require. Clients that do not accept our advice usually end up in the hands of unscrupulous finance companies. These companies are taking advantage of consumers that are unable to identify which company is actually telling them the truth, these consumers also tend to buy and shop on price and are more likely to snatch a deal and be mis-sold to. The unscrupulous companies only exist because of the decision making of the consumer.
The only way you can ascertain which company is a bonafide one and which is not is to investigate and question that company,
- When were they established?
- What is the name at Companies House that they trade under?
- What is the number or the consumer credit license they have which allows them to give you advice?
- Do they have a current data protection registration number? If not they should not be processing your personal details!
- Check out what you have been told, do not just take a strangers word for it who may have some type of financial gain by lying to you!
At Lewis Alexander we can furnish you with all of our registered company information, if others can’t you should beware when obtaining debt help or advice.
If you are struggling and need help with debt, please call our debt helpline using 0800 018 6868, this number is FREE from landlines, mobile costs may vary.
Calls are dealt with in the strictest of confidence and lines are open 24 hours a day.
Financial Healthcheck – As seen on TV
- If you need a financial healthcheck you can call Lewis Alexander using 0800 018 6868
- For your financial healthcheck call 0800 018 6868 free, the advice available can help you to understand how to clear personal debts witghout taking out further credit or loans.
Payment Protection Insurance or PPI Claims
- HAVE YOU BEEN MIS-SOLD PAYMENT PROTECTION INSURANCE?
- Do you have the right to claim back the premiums you have paid in the past for this PPI or Payment Protection Insurance?
You may have seen adverts for PPI Claims or Payment Protection Insurance claims online, on the TV or radio and certainly in the national press.
These companies are helping people to reclaim the premiums they have paid for loan and credit card payment protection insurance. This is a financial product that has been sold alongside many credit card and loan agreements which should cover the individual borrowing the money for monthly repayments to be made on their behalf should they be unable to make the contractual repayments to the lenders.
There are many reasons why an individual may think that PPI or Payment Protection Insurance would be required, it is usually in case of sickness, redundancy or other changes to your personal circumstances that may affect your ability to repay a loan or credit agreement.
PPI or Payment Protection Insurance has in many cases been mis-sold or not even mentioned but added onto an agreement without the customers original consent. This means that those insurance agreements can not legally be upheld so a claims management company can act on an individuals behalf to reclaim monies paid in premiums for this particular PPI (payment protection insurance).
Not everyone can claim but there is a point in checking to see if you are able to claim, you may have been mis-sold the PPI and may be eligible to claim, if not you have lost nothing but a little time.
You should not be charged any up front fees to see if you can make a claim for mis-sold Payment Protection Insurance and beware of any claims companies that try to get you to pay anything without clarification that you can make a claim.
If you are considering making a claim for PPI or know that you are eligible to do so, please contact our free debt helpline today 0800 018 6868 in absolute confidence, we will offer you our advice regarding the PPI Claims industry.
Call FREE today using 0800 018 6868
Loans to Clear Debts in 2010
Filed under: Loans | Tags: clear debts, loan, Loans, personal, refused
Leave a Comment - If you are searching for loans to clear debts in 2010, you may find that lenders are not so keen to dish out the funds they have been in the past.
Most loan companies are receiving many calls every day from people who want more credit but do not actually qualify for the credit. These people are sometimes upset when they gt the refusal for the loan as they do not and are not told why.
When you are refused loans to clear debts you have to ask yourself if it has been a blessing in disguise!
- Do you really need any more credit?
- Is another loan the best debt solution or option?
- Will the next loan sort all your financial problems out?
- Can you manage repayments of a new loan if you lose your job or fall ill?
More credit is usually the last thing a person needs when they are trying to clear personal debts. Loans to clear debt are hard to find as people with bad debt usually have a bad credit rating also. You will see adverts for loans and credit but you should also be wary as these adverts are not always what they seem!
If you need help and advice regarding loans to clear personal debts, please call Lewis Alexander free using 0800 018 6868, the free debt helpline is open 24 hours / 7 days and your call is free and confidential.
Debts Help
If you need debts help and are fed up with searching online for help with personal debts, you can find all the advice you need from Lewis Alexander Financial Management. They have a free debt helpline available 24 hours and the call is FREE.
If you need debt management help you can also call Lewis Alexander. They are a specialist debt management company operating nationally throughout the UK. They have a proven track record in helping people clear personal debt problems.
If you have been made redundant recently or have experienced a change in circumstances, then Lewis Alexander could also help you with your debts / finances.
Call 0800 018 6868 FREE or visit Lewis Alexander online, debts help services include IVA advice, Bankruptcy Information, Loans and Debt Management Plans.
Debt Management “Minnow” Lewis Alexander Stands Strong After Avoiding Acquisitions
Lewis Alexander Limited, the specialist Debt Management, Debt Consolidation and IVA advice service has released information about the current standing of the company after its decline of offer/s made relating to the possible sale of the business over the last 3 years.
Manchester, England (PRWeb UK/PRWEB ) April 13, 2009 — Debt Management specialists Lewis Alexander of Manchester England have confirmed that trading remained profitable for 2008 / 2009. Takeover talks and further bids were rejected over the last 2-3 years but the company remains in a position of financial strength regardless.
The company’s main focus is on acquiring and retaining Debt Management clients. It does this through a free debt helpline, made available 24 hours a day, 7 days a week in the UK.
Most clients who approach Lewis Alexander are in need of advice and help regarding all different types of personal debt issues. Lewis Alxander is a UK registered trade mark and the company is recognised nationally both online and offline through direct response television advertising. An exceptional ability has been shown by Lewis Alexander when it comes to online SEO or Search Engine Optimisation. The company refused to Pay Per Click (PPC) in the past but market conditions are starting to allow for PPC as profit from uncostly SEO is up. The SEO success enjoyed has allowed Lewis Alexander to compete with the larger PLC competition without the same cost they encounter through paying per click. This in turn reduces the cost per client acquisition for Lewis Alexander over its competitors.
Whilst the company has made significant progress and growth over the last few years, it has done this much to the benefit of its existing client base by creating a compliant and honest environment where people can obtain the advice they need at the speed and time they require.
This can only be offered with the commitment of the clients that remain using the Lewis Alexander service. Most debt management companies boast a client retention rate of approx 5-6 months. Lewis Alexander is currently boasting client retention periods of 3-5 years, a massive difference which clearly states a difference in operational procedure.
The profitability of the company is down to a number of reasons. Firstly, the business model is based upon organic growth, so should an advertising campaign turn bad, it has been budgeted and paid for from cash at hand. Secondly, there are a board of keen directors involved that believe in development and investment in existing people and systems, that without, the company would not be where it is. Thirdly, the company shows a commitment to the clients long term financial recovery by not over stretching them and making initial repayments affordable. Their advisors are not commission based, they are paid regardless of the client taking the companies fee charging help. This ensures compliant advice on behalf of the company at all times.
The reputation of Lewis Alexander is at stake every time it makes an offer of repayment to a creditor, on behalf of a third party/client. This is because if the third party/client does not commit and repay, the offers sent by Lewis Alexander appear disrupting to the creditors. This is important as the client selection by Lewis Alexander is as important as the clients own selection of the service they choose.
The outlook for the company is strong for 2009 / 2010. Trading will be slowed by market conditions in the first / second quarter and the obvious problem faced for most debt agencies is that people cannot consider repaying their unsecured debts until they are back in employment. This will have significant setbacks to the industry as a main for the remainder of 2009.
Lewis Alexander faced offers and a potential opportunity to join a listed PLC company in its quest to increase market share of the Insolvency / Debt Management arena. The offer was declined by Lewis Alexander shareholders and thankfully due to current share prices at the time of this articles creation, the company stands strong as a master of its own destiny. The fact that the company is privately owned does allow for the extra care and consideration of the client management which is evidenced by the retention rates not just the ability to obtain new enquiries or acquisitions.
This is most important from an investment point of view as the company that attains a client quickly, makes a sale. However, the company that attains and retains clients makes the sale and builds an investable business with a strong foundation.
For further information about Lewis Alexander Limited please visit Lewis Alexander or call +44 (0) 161 872 3383 .
See the original story at: http://uk.prweb.com/releases/2009-debt-management/4-company/prweb2319614.htm
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Emergency money help and advice
When we are struck with sudden costs such as health or home related, we tend to struggle to find the money to pay for the “emergency” that has arose.
Even if living costs are being met when the odd change of circumstance occurs, it can have devastating effects financially for the long term if you have to borrow emergency money at high rates.
People should save an emergency fund or have a way of accessing emergency money through insurance or even friends or family. In a world that is ever more technological and fast moving, accidents and break downs of all types of equipment are more likely. Yes, even the breakdown of our own bodies.
If your financial situation does not allow for you to think about a budget for a rainy day fund, or emergency cash fund, then consider how you can increase your earnings to enable you to save that few extra (£) pounds per week or month. When you have the small fund you will feel as though you have achieved something, test us to see if we are wrong!
The important message within this blog post is “Get your rainy day fund in order, or start one today!”
If you are struggling with personal debt and think that you would benefit from a confidential conversation with a trained debt councillor, call our free debt helpline today using 0800 018 6868
Bad credit loans
Bad Credit Loans are being advertised almost everywhere they can be. The rates of interest associated with these loans are very high. The rates are worked out based on the loan being classed as a “short term loan” and the vulnerable consumer is often caught out as this is usually the last loan to be added to a personal portfolio of multiple debt agreements.
When people search for bad credit loans they often find that they are asked to pay a fee for an online search. Do not pay these companies £50 or a similar amount to do something you can do yourself.
Loans can be taken to clear debts and consolidate debts ( put into one) but usually they just all add up to one big debt problem. The fact that you end up borrowing money at higher rates every time you manage to get approved means that gradually your average interest rate is increasing.
Call our free debt helpline today in confidence and find ways to clear debts without loans!
Personal Debt and Christmas Spending
Filed under: Money worries | Tags: advice, celebrity, christmas, media, personal debt, spending
Leave a Comment Personal debt tends to increase at certain times of the year more so than at others. Christmas is most probably the time that most of us spend that little extra than we planned to or just go that little over the top on presents for others. We are all in control of our spending however if you were able to look at most peoples bank statements, you would find that our spending is not in line with our affordability.
This is the point of this blog post, we should all live within our means as best as possible, the posh and becks lifestyle is not affordable for everyone and you should save for a rainy day or ill heath before splashing out on more retail therapy for yourself or others, the bills will eventually land on your doorstep and need paying.
The media will blow up certain celebrity lifestyles to make fresh and interesting news, people actually believe that they should be able to spend like rock stars or footballers and this is where the problems start. Not all personal debt is due to overspending and most is usually caused by personal changes in circumstances that are totally unavoidable. You should remember that however fast Christmas seems to arrive, it passes even quicker and the left over turkey can be used for sandwiches but the credit card bills can’t!
For further help and advice on personal debt issues contact our free debt helpline in confidence using
0800 018 6868
Redundant and in personal debt
Filed under: Money worries | Tags: advice, being made redundant, help, hours reduced, issues, job, lost, personal debt, problems, redundancy, redundant, unemployed, work
Leave a Comment Redundancy and Personal Debt
If you think that you could be made redundant in the near future, or if you have recently been made redundant, you may be suffering from personal debt issues that have now become more serious.
We all suffer from changes in circumstance at different times in our lives, this happens quite regularly throughout our working lives mainly taking us by surprise.
It would be an ideal world if we could be sure that we were safe financially and that these debt problems associated with illness and redundancy would not affect our bank balances but unfortunately the impact can cause severe set backs creating the need for personal debt help.
If you have personal debts and are in a position where your monthly income has been reduced or stopped, you must find out exactly which benefits you are entitled to. The debts that should be paid first are your priority ones such as mortgages or rent, this includes council tax and utilities (gas, electric, water). These take priority over ALL unsecured debts such as overdrafts, credit cards and store cards, bank loans and doorstep or cash loans including catalogues.
Many people make the mistake of trying to maintain minimum payments on high interest unsecured credit agreements which should actually be the last items to be included within your expenditure, they should only be paid if you find that you have an amount of disposable income to contribute towards your unsecured debts once your priority living costs have been taken care of. That spare disposable income should be split up amongst your creditors on what is known as a pro-rata basis. This is a fair share based on the percentage of your total debt that a particular creditor represents. This is known as a debt management plan.
If you need help or advice regarding personal debt problems caused by a loss of job, less hours at work or being made redundant, then please contact our debt helpline in total confidence, our lines are open 24 hours and your call is free!
0800 018 6868
Consolidate personal debts without loans
Filed under: Debt Consolidation | Tags: advice, consolidate, Debt Consolidation, Debt Management, Debt Services, debts, help, personal
Leave a Comment Consolidate personal debt without a loan
Are you trying to consolidate personal debt?
There are only a few options available in the UK for people to consolidate personal debt problems.
Debt Management Plans - A debt management plan is informal and you repay all you owe.
Individual Voluntary Arrangement or IVA - An IVA lasts for 5 years and is a legally binding agreement.
Debt Consolidation Loans - Place all your unsecured debts into one new loan with one payment.
Bankruptcy - The most severe option, all debt written off, conditions apply!
Please do not panic and rush into making a decision on how to clear or consolidate personal debts, for advice call our FREE debt helpline in total confidence using,
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0800 018 6868
Worried about my money
Filed under: Money worries | Tags: advice, help, money, Money worries, personal debt, problem, problems, worried
Leave a Comment Worried about money?
We all worry about money at some time, however for most people in the UK at present, money worries and personal debt problems are at an all time high.
The state of our economy or debtconomy is not good to be polite and people are fumbling around with savings looking for places to invest as safe havens and others are scrambling around looking for money to pay the bills and clear debts, even the millionaires amongst us are uneasy and worried.
We must all budget to plan well financially, more has to come in than goes out each month and if your budget is not balanced your life will suffer!
You can get help to balance your budget each month and help to understand how you can split or apportion your monthly income or wage to better plan a more stable financial base for you and your family. If you have any personal debt issues a debt management company could help you.
You must prioritise your most important monthly payments first, rent or mortgage, council tax, electricity, gas, water, tv license, housekeeping and insurances etc. the less important things ie, the luxury items need to be stopped immediately.
Most people do not actually understand where all their money is going each month until they decide to sit down and look at it on a list, this becomes your starting point for your budget. Do not be afraid to do this as the worry and procrastination or delay in putting the budget planning off is usually worse than the budget you end up having to deal with!
If you need help or advice on how to better budget your way through each month, or help to manage personal debt that may be sending your budget out of control, then call our free debt helpline today in total confidence, our lines are open and your call is FREE,
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0800 018 6868
Please fill out our short form and if you wish, leave a detailed explanation of the type of help you think you require in the large text box below,
Loans to clear debts
Filed under: Debt Consolidation | Tags: clear debts, debt, debts, loan, Loans, personal debt, refused
Leave a Comment Loans to clear debts
If you have been searching for loans to clear debts on-line and through the good old yellow pages or the Thomson local, you may have also been refused along the way for the credit you have been applying for.
When you are refused loans to clear debts or any type of personal loan for that matter, your credit score is usually affected by being marked down due to the refusal. When a number of loan applications are made in a short period of time, the information is all recorded on your credit file, you can check your file with credit reference agencies, click the links below for further help regarding your credit score.
There are credit reference agencies in the UK. For details of how to order your credit report visit their web sites below.
Leeds
LS3 1WZ
Tel: 0870 060 1414
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
Tel: 0870 241 6212
PO Box 1140
Bradford
BD1 5US
Tel: 0870 514 3700
Loans to clear debts can be very difficult to obtain, for a no obligation financial consultation, please call our free debt helpline in total confidence using,
-
0800 018 6868
Please fill out our short form and if you wish, leave a detailed explanation of the type of help you think you require in the large text box below,
Reclaim bank charges for FREE!
Filed under: Basic Bank Accounts | Tags: Basic Bank Accounts, debt, personal, reclaim, refund
Leave a Comment Be wary of companies claiming to be able to reclaim your bank charges for free. This is not usually the case, they normally charge approximately 25% of your charges reclaimed, plus any other fees in advance of the charges being accepted by your bank as refundable.
You can claim the money back yourself if your are genuinely due a refund!
Reclaiming bank charges is not a way to avoid dealing with serious personal debt problems!
Please fill out our short form and if you wish, leave a detailed explanation of the type of help you think you require in the large text box below,
Free Debt Services
Free debt services are few and far between.
- When did you last get anything apart from fresh air for free?
It is simple, no organisation can work for free unless they are a genuine voluntary charity or charity funded by another. in most cases, the free debt charities are funded by the larger creditors, a genuine alternative is the governments CAB or Citizens advice bureau.
These free debt services and companies or free debt charities can also in some cases be working for the people you owe the money to as well as you!
They are free to client which means funded from elsewhere.
For help and advice regarding the free debt charities and services, call our free debt helpline today in confidence using,
-
0800 018 6868
Please fill out our short form and if you wish, leave a detailed explanation of the type of help you think you require in the large text box below,
Debt Management UK
Filed under: Debt Management | Tags: credit card debt, debt, Debt Management, debts
Leave a Comment Debt management is a way to consolidate all your unsecured debts into one affordable monthly repayment.
This is done by taking items of credit such as catalogue debts and credit card debts, store cards and loans including overdrafts, then combining all the payments you make each month into one new payment to a debt management company. Your chosen debt management company will negotiate with your creditors and attempt to freeze the interest and charges being applied to your accounts. This cannot be guaranteed.
For further information regarding debt management plans please call our free debt helpline today in total confidence using,
-
0800 018 6868
Please fill out our short form and if you wish, leave a detailed explanation of the type of help you think you require in the large text box below,
