Do you need a Financial Healthcheck?
- Lewis Alexander are offering a Financial Healthcheck to people who find themselves struggling with personal loans, credit cards and overdrafts etc.
A Financial Healthcheck is conducted by looking at an individuals income and expenditure and other personal details such as home ownership or possible savings and age so that it can be worked out by a professional adviser what the best option for them is financially.
The need for such a service has never been greater and Lewis Alexander is proud to launch this service nationwide throughout England, Scotland, Wales and Northern Ireland.
- Lewis Alexander Financial Healthcheck as seen on TV.
Most people that call our personal debt helpline for a financial healthcheck find that it is a starting point of understanding and getting to grips with what solutions are available to them to sort or clear personal financial problems.
- Financial problems occur at all different times of life.
- The most important thing is that an individual recognises the problem they have and takes action to solve the problem as soon as possible.
The main solutions available to people in the UK to clear personal debts are as follows,
- Debt Management Plan
- Individual Voluntary Arrangement or IVA (a Trust Deed in Scotland)
- Debt Consolidation Loan
- Bankruptcy
- Debt Relief Order
- Equity Release
- Administration Orders
It is difficult for people to self diagnose themselves financially as they usually have experienced a change in circumstance and are preoccupied with the problems they face due to that change.
Once you have suffered a change in circumstance such as a loss of job or illness, it is very hard to catch up with finances that may have fallen behind. These could include rent or mortgage payments or even Council tax or electricity / gas arrears. Not all companies are sympathetic to your circumstances but you should make sure they are aware and put it in writing and send it recorded delivery, that way you can prove you made your creditor or lender or utility supplier aware of your change in circumstance and lack of ability to pay as normally expected.
If you do not contact your respective lender or utility supplier they cannot be expected to guess what is going on, if contacted they usually will make some sort of arrangement for you to catch up and pay off any arrears you may have been or are currently creating.
To best help yourself you can take advice from a trained adviser who knows what is best for you from experience of helping others in similar if not the same situations.
A financial healthcheck is one way of starting to find out exactly how good or bad your situation is. Whether you take the advice and act on it is totally up to you, those who do tend to act on advice sooner rather than later really do benefit from being pro-active as a financial problem usually does not go away without attention.There is no obligation to use our fee charging services after a financial healthcheck with Lewis Alexander.
You should be wary of paying upfront fees for any services that are not fully transparent, if something sounds too good to be true, it usually is!
If you think you would benefit from a financial healthcheck you can call Lewis Alexander free and in confidence 24 hours a day using 0800 018 6868.
