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.

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 after obtaining confidential debt advice UK.

“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.

Struggling with personal debt problems

  • Reliable debt advice UK 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 online.

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 understand 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 and requirements for debt advice UK reach their highest since the early 1990’s, the two stats that are most regularly focused 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 counselors 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 debt 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 debt help UK 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.

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 successful claim.

If you are considering making or want to know how to claim back PPI whilst on a debt management plan or know that you are eligible to do so, please contact our debt helpline today 0800 018 6868 in absolute confidence, we will offer you our debt advice UK regarding the PPI Claims Industry.

Lewis Alexander Financial Management  is NOT licensed by the Ministry of Justice in respect to Claims Management Activities and has no financial gain from the PPI claims process advice we offer you.

  • Call FREE from a land line today using 0800 018 6868