free credit report UK from Experian Are you struggling with money worries or debt problems?

  • Do you and your partner argue about finances or bills in the home?
  • Would your home or personal life benefit from an organised financial life?

It could be argued that deciding how to spend one’s income in the modern world is tough enough.  A variety of technologies and gadgets, sporting pursuits, ‘keeping up with the Jones’ or good old fashioned hobbies, all increasingly compete for our disposable income / money.  But when you add your other half in to the mix, decisions and divisions on how to spend the combined income can be a recipe for disaster!

  • According to recent research, the male of the species are less concerned about saving money either for emergencies or just a rainy day and prefer to spend what is available, or risk greater returns with riskier investments.

Women on the other hand prefer to use spare cash as a security blanket to insulate any unforeseen circumstances.  It is this trend that means women gravitate toward safer and more traditional savings plans and rather than risk their hard earned cash in a range of lavish purchases or riskier investments.

Then we add into this mixture the ‘ego’ factor of men traditionally adopting the role of breadwinner.  Whilst less important since the turn of the century, many men still feel more comfortable in the role of ‘provider’ for the family.  As a result, any monetary or debt problems are more likely to be hidden from their family by way of protecting them against harm.

This view is supported by a recent study conducted by ITV show ‘Loose Women’ which concluded that most household arguments about money and debt were caused by the husband or boyfriend’s perceived lack of caution. As men and women have very different views on money, these different needs, wants and views can cause disagreements, where the couples were previously happy.

Whilst different views can cause arguments, the real ignition of rows about money tend to stem from the failure to address and deal with financial problems.  Kim Stephenson, an expert on the subject of debt-related depression, psychologist and creator of money website ‘Taming the Pound’, has conducted a considerable research proving that debt and money troubles act as a major trigger of depression.

  • “Debt or money worries are the biggest reason for couples to consult [couples therapy]. Debt or money worries usually rank third or higher in any ranking of reasons for people seeking treatment for depression or anxiety,”

Kim Stephenson’s comments are also reflected in figures obtained by the BBC, which reveal prescriptions for anti-depressants have risen by more than 40 per cent over the last four years.  Doctors and charities have also said they are being contacted more and more by people struggling with money worries and personal debt problems.

  • “Given that millions of days are lost each year to illness, depression is a major illness and money worries are a major cause of general distress, which may contribute to depression.”

In summary, the worst thing to do about money problems or financial problems is to bury your head in the sand.  Talking to your partner should be the starting point in sorting these issues and worries out and after that if you want to discuss your personal circumstances further why not get in touch with our personal debt specialists.

  • Our free phone helpline is free to call from UK land lines.
  • One call to 0800 018 6868 could be the best call you make to find a solution to clear debts!
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Help with Debt Problems

On May 17, 2011, in News, by Lewis Alexander

Get help with debt problems from UK debt management specialists

  • free credit report UK from ExperianHave you decided that you are in need of help with your debts?
  • Are your debts a problem to solve?
  • Are you unsure what to do about your debts?

If you are feeling like the above, then things have got to the stage where you could do with some personal debt help.  We are glad to say that help with debt problems is available from Lewis Alexander.

Some people think that their debt problems are totally unique and that they have never been seen before.  Luckily, this is rarely the case. We have seen most scenarios and do not judge people, our professional advisors will help and guide you through the entire process if you so wish, our initial advice is free, our ongoing services are chargeable.

  • Debt problems that are left and not addressed don’t go away on their own.

If you would like expert advice on how to solve your debt problems and get help to start the process of becoming clear of debt then get in touch with one of our advisors today.  You will be glad you did get help with debt problems and you will remember today as being the day your debts stopped running your life.

What kind of personal debts can you help me with?

We are a professional debt management company with a successful track record of helping people through their debt problems.

It doesn’t matter what kind of personal unsecured debt you are struggling with, we can help with debt problems and have a lot of experience dealing with creditors.

  • Are you struggling to make payments on your credit cards every month?
  • Are you in need of advice regarding debt management?
  • Are your store cards not being paid on time and the interest is just increasing the debt?

Personal Debt Help

Because personal debt problems come in all shapes and sizes, it is impossible to have a one size fits all debt management solution. We have several solutions that will help different people with different debt problems.

Most debt solutions are available to anyone who may need help with debt problems including divorcees, single parents, the unemployed, retired and people with a long term illness or disability.

  • Get debt support information about clearing your personal debt problems.
  • Call free from a land line today using 0800 018 6868.
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free credit report UK from ExperianThe moment you realised that your personal debt repayments totalled almost as much as you earned each month you decided enough was enough.

With Christmas having been and gone it’s time to get your life in order!

So you sat down, worked out exactly what you owed to each credit card, store card and personal loan and set about with a new found determination that every new year brings to sort out your finances once and for all.

  • Step 1 – Review current financial situation

Not being an expert in negotiating with large multi-national corporations you decided that it would be a good idea to get in touch with some experts, so armed with your financial review you sensibly booked in with the Citizen’s Advice Bureau to ask their opinion on your next steps.

The advisor at Citizen’s Advice was helpful and you got some reassurance that your initial steps were on the right lines.  You had worked out what you owed to each creditor and the advisor helped you work out the priority for repaying each debt.  You also got some tips and were pointed to their website on some tips to deal with creditors.

Armed with your new found knowledge you set to writing letters to your creditors outlining your difficulties, stating what you could pay and asking for some consideration in agreeing to this new revised schedule.  To your dismay all that came back was a stream of standard letters (created by a non-human) and a request for you to either fill in a form or phone them up to discuss your situation further – hadn’t they actually read your letter and considered what you were asking?!

Not wanting to be defeated and armed with a list of telephone numbers and letters received from your creditors, you continued with your quest.  Three calls in and it was proving to be slightly more difficult than you thought.  The ‘nice and friendly’ customer services agents that you normally were connected to had been replaced with a sterner, forceful and more abrupt advisor who seemed intent on getting you to agree to repaying more than you could afford and taking instant payments over the phone.

  • Step 3 – Gain agreement to changes to your debt repayments?

The first thing to say is that all is not lost!

By completing steps 1 and 2 you are already in a much better position than many other people in the same personal debt situation as you.  By understanding what you owe, who you owe it to and the priority of your debt repayments it makes it much easier to seek help.

At Lewis Alexander our dedicated debt management specialists are uniquely placed to provide professional advice, guidance and ultimately provide solutions to your personal debt problems.  All it takes is one free call to 0800 018 6868, our lines are open   24 hours a day.

We can talk through your situation, listen to the concerns you have and start working on a solution with your creditors that takes the stress and pressure away from you.  The majority of our clients have fallen into difficult circumstances through no fault of their own and as long as you have a regular source of income and a genuine determination to keep to a revised debt repayment plan then we can help.

Call Lewis Alexander today on 0800 018 6868 and start to clear your personal debts whilst also stop fearing every telephone call or knock at the door.  We have helped many people in debt who want to change their lives and we strive to provide a great service to our existing clients.  You can read what our clients think of us at our client testimonial page.

  • Call us now using free phone 0800 018 6868 and make 2011 the year you got your finances back on track!
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Motor or Car, Travel, Home and Life Insurance – Are you getting the best deals?

It never ceases to shock our financial advisors how many people actually are not aware that they may be able to get a better deal on their existing

  • car insurance
  • home insurance
  • life insurance

or for any insurances they may be paying premiums.

  • Insurance can be costly, but even more expensive if you choose the wrong product or type of cover.

For years, insurances of all types were mis-sold and nowadays it is correct to say that the insurance industry within the UK has been regulated and is monitored carefully by the respective authorities.

When you choose an insurance policy, it is not always clear which is your best option, therefore, the advice you get regarding the policies available is of paramount importance.  A broker with access to all different policies made available through many different insurers can be one option for you to buy your insurance, another could be to go direct to one insurer and this way you would cut out any middle man fees, the problem being you will only be advised on the policies that company can offer, there may be a better policy with another direct insurance supplier.

  • So what do you do?
  • Do you call all of them or use comparison sites such as moneysupermaket or gocompare or even comparethemarket?

We would recommend using what we call a comparison broker, this way you feel it is fair to pay a broker fee if the broker explains the different policies available and in turn helps you to come to a sound decision.

When in personaldebt, it can be most important to consider every option available within your means to reduce your outgoings; this includes things such as motor or car insurance, home insurance and life insurance etc. Sometimes you can be pleasantly surprised at the savings you can make just by changing insurance company.

The average domestic car or home insurance policy will usually run for about 1 year, and then it will be ready for renewal. The industry and insurance companies change their policies so frequently that when it comes around again for you to renew, the products available could be very different and far more attractive than your last policy, 12 months is a long time in the insurance industry.

Please remember to shop about for the best deal, it is not always the one that is easily found, these companies use clever and expensive marketing tactics and campaigns to generate an enquiry from you, make sure you know exactly who you are dealing with and who will be supplying the insurance.  For most people this information may sound basic but for many of us insurance is still an unknown but necessary evil!

For help and advice regarding any personal debt problems please contact our personal debt helpline in confidence using 0800 018 6868, our lines are open 24 hours a day and your call is free.

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