• Most people who get their identity stolen are not aware until it’s too late.
• There are things you can do to make it more difficult for criminals.
• Follow simple advice and protect yourself and your family from Identity Theft in England, UK!

Following the news some years back about the loss of over 25 million UK residents personal details, the subject of data protection and identity theft was thrust back into the headlines.

The problem with identity theft may come however, if the information stolen gets used to impersonate people in order to take out loans, credit or services.

If you think you have been the victim of such criminal activity otherwise know as identity theft, then you can find out exactly what has happened by contacting one or all of the credit reference agencies.

• Callcredit
• Experian
• Equifax

Read some of the more common questions and answers about how personal debt affects how you will be able to get new credit in the future.  If you think you have a less than perfect credit rating and you would like to repair your credit you should follow our guidelines.

What are the implications of identity theft?

If you are unfortunate enough to have your identity stolen you could experience all sorts of problems, some of which could have a direct effect on your credit rating and how suitable you are then deemed to be for future loans and other borrowings.

If you are already having problems with debt and would like to get some advice about how to get out of debt, we have first rate advisors ready to help you with any aspect of debt management UK and debt help.

We can offer debt management plans, debt consolidation loans, IVA or Individual Voluntary Arrangements, Trust Deeds in Scotland and a whole host of other debt solutions to all kinds of people.

• If you or anyone in your family needs help to clear debt, don’t wait any longer to get the help you need call free from a land line in confidence using 0800 018 6868.

The most important part of help with personal debt is the part that remains confidential!

If you owe money to creditors and have a partner that is not aware, this extra stress can quite easily cause health issues. Not all debt advice services are the same and you should make sure that the initial advice you obtain is without cost and that no sales person will call at your home in person with regards your personal debts.

To clear debt in a reasonable amount of time you have to be committed. People who are not committed to clearing their debts fail to clear the debt and are subsequently subjected to a fairly miserable life

Please use the following links for debt help and advice in the United Kingdom

• Have you ever tried to consolidate your credit card debt using debt consolidation help ?
• Are you a Single Parent struggling to make ends meet?
• Have you been refused a loan or turned down for credit recently?
• Are you trying self debt management or using a debt management service?
• Are you paying household bills including your mortgage or rent with credit cards and loans each month?
• Have you taken advice about an IVA (Individual Voluntary Arrangement) or Insolvency in the Uk?

If the answer is “YES” to all or some of the questions above, speak with an advisor today and obtain debt help and find a solution to clear your debts in the shortest time possible that actually suits your lifestyle.

• Regardless who you are
• Regardless what your employment type
• Regardless of where you live in the UK, rules in Scotland differ a little
• WE CAN HELP YOU WITH ADVICE!

We deal with all sectors of society from Ambulance staff, solicitors, teachers, builders, electricians, doctors, retail managers to, believe it or not, Stock Brokers in debt. No individual escapes the world of finance.

• COMMITTED people do not bury their heads!
• They face their problem head on!

Once you have accepted you need debt help to get through this stage of your life, the rest can be down to finding the right help with debt management UK.

For further information on how to clear your personal debt please call our personal debt helpline using 0800 018 6868.

Cleardebt Group Plc has bought the client base of DCM Money Solutions.

What does this mean for the vulnerable client base that put their trust into DCM when taking up a debt solution from them, be it an IVA or debt management plan?

Well the fact that Cleardebt Group Plc has swooped in for the client base suggests that the failure of DCM Money actually again benefits the Cleardebt acquisition model.  On the other hand it will be down to the client to decide if the service and management of the IVA’s or debt management plans by Cleardebt actually compares either positively or negatively when compared to DCM who previously managed their cases.

• As a client on a debt management plan, you should not be tied in or contracted to the company helping you.
• You should be free to leave at any time!
• When joining another debt management company after leaving or moving from another, your creditors should not be subjected to a missed payment due to the change over.

At Lewis Alexander we will help any client that finds themselves in the unfortunate position where they have chosen one debt service and ended up with another through no fault of their own, just like situations such as the DCM Money example where that company has gone into administration.

• You have the choice to join any service you so desire but should be aware when shopping about.

From our own industry experience DCM had always operated within the remit of the Debt Management Guidance set out by the Office of Fair Trading.  We never heard bad press regarding the daily operation or with regard to the advertising for that matter.

There was a fairly recent change in management from what we were aware of and sometimes when the ethos or founding individual is removed from a business, that business does not always continue to prosper, that could have been the case for DCM Money Solutions but we cannot clarify this.

If you need advice regarding moving debt company or service then call our debt helpline using 0800 018 6868. We can offer you debt management plans and IVA advice if you are unsure or mislead by your current provider.

If you were a client of DCM Money Solutions and would like to see how Lewis Alexander Financial Management can help you, we can state that by moving to our debt management plan would mean that the first payment you make would be distributed to your creditors, therefore, they would not notice a break in the payment plan and subsequently we would not be keeping your first payment to our company.

• For further information on becoming a client of Lewis Alexander Financial Management call 0800 018 6868, all calls are dealt with in the strictest of confidence.
• Your call is FREE from landlines and our lines are open 24 hours a day, 7 days a week.

IVA or Debt Management

The most difficult decision when trying to clear personal debts can be which debt solution to choose after doing all your homework on the options available.

• Debt Management Plans or
• IVA – Individual Voluntary Arrangements
• are usually the two solutions that people have to decide between. When faced with the two options, there are many factors that influence the choice of informal debt management over an IVA and likewise, an IVA over a debt management plan.

It is very important that you understand the differences between these debt solutions, as if you do not, you could easily have the wool pulled over your eyes by a clever and unscrupulous debt advisor that wants to earn extra commission for placing you onto an IVA as opposed to an informal Debt Management Plan.

A professional debt management company such as Lewis Alexander will offer you advice tailored to your personal situation and if you are better suited to a debt management plan rather than personal Insolvency or an IVA, we will tell you, however, you make the final decision based on the debt advice given to you.

It is your choice no one Else’s!

When you are in debt it can feel like everyone else does not understand your particular situation and that you feel that your debt problems are some how different to all others.  This is not true, it is actually a mental stigma associated with being in personal debt, you are not alone and your financial problem is usually pretty much the same as others around you, it is your personal change in circumstance that will differ to other peoples, this is what creates the problem of being in debt in the first place.

Some people split from partners or others suffer a death in the family, others may have hours at work reduce resulting in less income, the list is endless but what is the same is the debt problem that people find themselves with due to being set back financially by the change in circumstance they may have suffered.

The main difference between an IVA and Debt Management Plan (DMP) is that

• An IVA is a legally binding agreement
• A debt management plan is not.

With a debt management plan you can expect to repay much of what you owe.  With an IVA, the debt that is not repaid within a 60 month period is then written off by your creditors, this is agreed at a creditors meeting prior to the IVA commencing.

The IVA will guarantee to freeze any interest or charges being applied to your accounts, a debt management plan will not and it is down to the hard work and efforts put in by your chosen debt management company as to how quickly your debt is reduced, make your selection regarding your chosen debt company or debt service carefully!

• The cost of choosing or selecting the wrong debt company or agency to solve your debt problems can be as high as the interest being applied by your creditors to your accounts.
• The wrong debt company will have no concern on actually getting the job done, they are more concerned with extracting funds from you and fobbing you off with none truths.

For honest, genuine, debt advice and help in the UK, call our free from a landline personal debt helpline today using 0800 018 6868, your personal details are dealt with in absolute confidence and your call is free!

• Debt Management Plan
• IVA or Trust Deed in Scotland
• Bankruptcy

Lewis Alexanderis a specialist debt management company, we help people clear debts without loans, we also offer a free from a landline debt helpline to UK residents struggling with personal financial problems.  The advice we give is based on individual personal circumstances and is often not what the person (possibly you) wants to hear.

This is where debt counselling comes in, we have a proven method of helping those that wish to be helped.  Often in life, the truth is the hardest to accept, usually with any personal financial problem, there is an element of truth that needs accepting before the individual can move ahead.  That is the hard part to get over and after what we call the acceptance period, the individual feels so much relief from the stress of the debt problem that they really can continue with a normal daily life just like they experienced before being in debt.

If you are suffering with financial problems such as mortgage arrears, missed or late payments on credit agreements etc, you must deal with the situation as soon as possible, in the time it has taken to read this article so far, you could have dialed our free from a landline debt helpline using 0800 018 6868.

Our advisors will help you to make a fresh start financially and offer you tested and proven methods that you can employ to combat the pressure from debt collection agents or lenders that may be chasing you.  Letters and phone calls are the most worrying to people along with the threats of court action.  There are laws that appertain directly to debt collectors and the procedures of collection that they undertake, more importantly, the Office of Fair Trading sets out debt collection guidance that the collection industry is expected to adhere to, just the same as the debt management guidance set out for debt agencies and not for profit debt charities.

For further advice and help on how to clear debts without loans, contact our personal debt helpline today, lines are open 24 hours a day/ 7 days a week and your call is FREE.