Need debt Help

On April 26, 2011, in News, by Lewis Alexander

Need to get help with your personal debts?

free credit report UK from ExperianWith the right financial guidance and debt help you can free up more of your available money to work harder for you.

Are you constantly having to count up what you’ve spent and working out what you can afford to spend because you are not left with much money after all your bills are paid each month?

We offer debt advice to people in this position as well as those who are already struggling with overwhelming debts. We are determined to help as many people out of debt as we possibly can using our years of experience and our skills as debt management consultants.

  • Do you lie in bed at night worrying about your bills?
  • Do you constantly have to work out what you can afford?
  • Are you only managing to pay the minimum payments on credit cards?

These are very common aspects of being in debt.  The first thing to remember is not to panic!

  • Why don’t you charge for your personal debt helpline?

We do not charge for our personal debt helpline or the advice available on it because we believe that advice about debt should be honest and readily available without charge. People need someone to discuss the ways out of debt with then before obtaining the help to achieve that goal.

Find out more about how we operate as debt consultants.

  • What options would I have to help me clear my debts?

We specialise in helping people get out of debt. We do not use quick fixes! We analyse your personal situation and then make recommendations based on our discussions. These recommendations are designed to help you get out of debt!

  • We can build a personal debt management plan for you which will reorganise your finances.
  • We could arrange for a debt consolidation loan to save you interest and charges. (subject to status)
  • We can advise about or help you set up an IVA if you need something more formal to help clear your debts

Are there any groups of people that you cannot help?

We do not generalise when it comes to helping people with debt. We have helped all kinds of people from all walks of life, from single parents to people in the armed forces and even helped people refused loans to clear debts.

Call free from a landline today using 0800 018 6868

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Who is vulnerable to personal debt

On April 25, 2011, in News, by Lewis Alexander

free credit report UK from ExperianWe have so many clients who come to us for debt help after being with another debt management company first. in many cases, they were given advice based on that company’s desire to make money rather than for the right reasons.

  • The right reasons being getting the client out of debt!

We get told so many stories about how people have been charged for advice or then get charged all kinds of hidden fees during their time with other debt management companies.

  • IMPORTANT: Never pay for initial debt advice!

We advise people from all walks of life about personal debt help, from road cleaners to doctors, caretakers to social workers and soldiers to lawyers. No one type of person is immune to getting into debt. The good thing about working with Lewis Alexander is that everything is dealt with in a confidential manner.

  • Are some particular groups of people vulnerable?

Because some groups of people in society live on very low incomes or their situation has recently changed meaning a severe drop in income then these people are very vulnerable to getting into debt problems.

Whilst this is obviously not an exhaustive list of all the categories of people we help it does represent a large percentage of people who do experience personal debt problems.

  • Other debt related issues can be things such as;

Been refused credit
If you have been refused a loan or other kind of credit, find out what you can do.

Your credit rating
If you are having trouble getting credit, find out what information is being held about you on your credit file.

Repair your credit rating
Use the information found on your credit report to remove false entries or repair your credit rating.

Identity theft
What is identity theft and what are the dangers of it happening. Read how to protect yourself from identity theft.

  • Call today to see if we can help you clear your personal debt

Getting into debt seems to be an easy thing to do in modern Britain. It is reassuring though, to know that there are places you can go where you know categorically that you will get the help you need to deal with that debt.

Get in touch with us today and we will show you very quickly that we are one of those places!

  • Calls from landlines are free using 0800 018 6868
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How to deal with personal debt

On April 25, 2011, in News, by Lewis Alexander

Get advice about how to deal with personal debt

  • free credit report UK from ExperianCan you imagine how much simpler life would be if we were all issued with a manual to guide us through?
  • Sadly, no such manual exists but there are great places we come across throughout our lives that are great sources of really helpful information.
  • We aim to be one of those places for anyone quietly struggling with debt having to juggle different credit card or bank debts on a daily basis.

We have helped a huge number of people either get their finances back to a healthy position or have helped them better manage, reduce and finally clear debts. We give invaluable advice to people every day about managing their personal debt problems and we are ready to help you too.

  • Would being clear of debt suit you?

No-one enjoys having excessive personal debt but sometimes a change in circumstance happens to us which can make this far more likely. Life events like an unexpected illness, a redundancy, a divorce or even a death can contribute towards the reasons people find themselves getting deeper into debt.

If one of these events has caused you to fall behind on your debt repayments or become more concerned about your debt situation than you were before, then we can help. Starting off by giving you honest, clear and effective advice about your situation could possibly help you better manage your debts. We would then lay out debt solutions we think would help you get out of debt.

  • Not all solutions suit everyone but we try to offer the most practicle one for you.
  • Does any of this apply to me?

The most common thing we hear at the beginning of the debt recovery process is how people couldn’t grasp that it could happen to them. A lot of people think that serious debt problems happen to others, not them.

  • Do you have creditors calling on the phone, writing letters or even banging on your door?
  • Do you find you are getting lots of bank charges because you are always overdrawn?
  • Do you pay for normal household expenses with credit?
  • Once you’ve paid all your bills and your credit repayments, are you left with next to nothing?

If you have answered YES to one or more of these questions then you are more than likely struggling with your personal debt commitments.

Once you have decided that you wish to clear debt, we will ask you a few questions about your current situation and then we will be able to make recommendations about what debt management solution would be best suited to you. Then, when you choose which route you wish to go down, we will help put that plan into practice and give you help to implement that plan into your daily life.

  • DON’T WAIT – get help today!

Your personal debt management solution could be one of the processes we have at our disposal for helping people with debts.

It may be that you need to re organise with professional debt management, or it may be that you need some kind of debt consolidation loan, or perhaps an IVA is what you would be best to consider.

All of these processes are designed to prevent your debts becoming worse and eventually ending up causing you trouble in the courts. For example a CCJ or Bankruptcy.

For confidential advice call us free from landlines using 0800 018 6868

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Chargeable debt help and personal debt advice

On April 23, 2011, in News, by Lewis Alexander

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.

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Advice on Debt

On April 20, 2011, in News, by Lewis Alexander

Sleep better with advice on debt, knowing your debts are managed!

Personal debt advice in the UK has become an enormous issue for all kinds of reasons. Unfortunately it has had a stigma attached to it in the past which may stop some people dealing with their debt problems. This has the effect of actually making the situation worse when it would be relatively simple to get under control with the right advice on debt.

Advice on Debt

There are several signs that your personal debts have gotten out of control.

  • Are your monthly outgoings starting to outweigh your monthly income?

  • Are you scared to answer the phone and open your mail?

  • Do you have debt collectors chasing you for money?

There are many possible routes to take when dealing with advice on debt. Every situation is different and a tailored solution needs to be discussed. Any one of the following could be the solution for you to find help with personal debts.

  • IVA (or TRUST DEED in SCOTLAND)
  • DEBT MANAGEMENT PLAN
  • BANKRUPTCY
  • DEBT CONSOLIDATION LOAN

If you are a bit wary of committing to a fixed term financial solution like an IVA or Individual Voluntary Arrangement, then debt management online can help you restructure debts in the short term. A debt management plan constitutes an informal agreement between you and your creditors.

Loans to consolidate your debts– taking out a debt consolidation loan to pay off all your current agreements (loans,credit cards etc) is often the simplest option as it can reduce your monthly repayments.

  • REMEMBER ADVICE on DEBT SHOULD ALWAYS BE FREE
  • Do NOT Pay for advice calling HIGH rate phone lines.

Individual Voluntary Arrangements

With an IVA, all interest and penalty charges are STOPPED! You will be given one affordable monthly repayment to make and this should stop all the creditor phone calls and letters you may currently be receiving.

An IVA will prevent court proceedings and even stop bankruptcy and after what is normally 60 months (5 years). Read about a Trust Deed in Scotland as laws differ there for financial help and assistance.

Bankruptcy is the end of the road as far as debt management or debt help. Once you reach bankruptcy, your finances will be sorted out by the courts. In a nutshell, if you reach the stage where you need to become bankrupt, it will mean that you will get a fresh start and normally your debts will be written off, conditions and restrictions do apply though.

Let one of our trained professional advisors call you today to help give advice on debt and find a solution to your debt problems. Peoples debt problems are rarely unique and we may be able to help you clear debt.

  • Call 0800 018 6868 free from landlines, call charges from mobile phones may vary.
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When does a cheap debt service become dear?

On April 6, 2011, in News, by Lewis Alexander

There is scarcely anything in the world that some man cannot make a little worse, and sell a little more cheaply.

The person who buys on price alone is this man’s lawful prey.

  • John Ruskin, English critic, essayist, & reformer (1819 – 1900)

Buyer Beware!

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Can we Reduce Personal Debt if we Buy British

On April 1, 2011, in News, by Lewis Alexander

free credit report UK from ExperianOne great way of moving out of recession is to encourage increasing levels of trade within your own country.  As more goods and services are demanded, there are two choices for industry.

  • We can either (a) Increase the price, or (b) work a little bit harder to meet this increased demand.

Since the economy currently has recognisable ‘slack’ (as there are resources that are not being used or out of work) in most cases the decision made is likely to be to increase supply to meet this increased demand.

As in most things that relate to large scale finances, these things work in cycles.  Once demand starts to increase, and companies work harder or use more resources to meet this demand, it means that more money is spent and any staff employed would then receive increased wages and thus have more disposable income to spend on even more goods and services.

Once industry output is increased and sales start to improve, this often results in management teams looking to new markets to see where they can further expand sales – as they recognise that their business is on the up.  With the increasing trend towards a global economy, any plans to expand sales are likely to include thoughts about breaking into new markets abroad.

When these plans are put into practice, despite an initial outlay, any successes then mean that outside investment is then brought into the economy as foreign funds are spent on UK goods and services.  These funds are ‘new’ funds (rather than money that has been recycled in the UK economy) and as a result provide greater funds that are available for investment, or indeed create additional disposable income.

  • So does the encouragement of the slogan ‘Buy British’ have any real impact?

Well, if you agree with the above points, then you will certainly think it does! But beyond this, it makes a statement to the EU and our other trader partners or potential trade partners that we believe in the British made products and British provided services.  Such confidence in your own domestic output does radiate to other countries and helps create a perception of quality.  The success of BMW & Mercedes in the car industry, Sony & Panasonic in the electronics industry and single malt scotch all show that where locals truly believe in a product or brand, this is reflected in how a brand is perceived across borders.

  • So do you buy British?
  • Or are you influenced by price or indeed the latest magazine that talks about ‘top buys’ for that month?

To be perfectly honest, this blog writer must admit to making some brand substitutions in recent times.  As the cost of living rises, the tendency to move away from British brands (in favour of cheaper alternatives) increases.  Expensive fresh British cuts of meat have been replaced by the odd frozen meal here and there, and Cadburys has most definitely been sidelined in favour of any cheaper chocolate options.

If this financial climate is creating you difficulty and you think you need help with debt then call Lewis Alexander to see if we can help set you back on a sound personal financial path.  Our advisors are available on 0800 018 6868 and we can conduct a financial health check for you to understand why you are struggling to meet your existing commitments.

  • So call us today on 0800 018 6868
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