Debt

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Debt

If you have accumulated debt there are several options that are open to you but it is important that you act fast, particularly if you have creditors knocking at the door or threatening letters dropping through your letterbox. Do not ignore these as they will not go away! But there may be some light at the end of the tunnel and we may be able to offer you some options and some information that you were unaware of.

Firstly - are you a homeowner and do you have equity in your property?


If you are then your first option may be to apply for a REMORTGAGE to raise the capital to pay off your debts. The most common reason for accumulated debt is credit and store cards. The interest rates on these are very high compared to a mortgage which will allow you spread out your repayments over a longer period and reduce your monthly outgoings to what you can afford.

At present lenders are being very cautious about lending money so you would be best speaking to an independent advisor who will advise you on your options. If you have a clean credit history you may be able to raise up to 90% of your property value. If you have any adverse credit history (CCJs, IVA, discharged bankrupt, missed mortgage payments) this will be lower, probably less than 75%. CLICK HERE to submit a remortgage enquiry to an independent advisor now!

What if I'm a tenant or a homeowner with little equity in the property?

If you fall into either of these categories then there are still options open to you (such as an IVA or Debt Management Scheme). But in order for us to suggest which option is best for you we will need some details from you. Please complete our NO OBLIGATION form below and someone will call you very shortly in strict confidence. Please do not delay as our experience tells us that the quicker these matters are dealt with, the better the options open to you.

Please tell us about yourself
Title
First name*
Last name*
Date of birth*
Postcode*
House Number*
Telephone*
Mobile*
Email Address*
Is this a single or joint application?* Joint    Single
Your property and mortgage details
Residential status
Approximate total amount of unsecured loans (inc. credit card balances & overdrafts) (£)*
Number of creditors for unsecured loans
Your circumstances
Please tick any of the following that apply to you.

Have you or the joint applicant had a CCJ in the last 3 years?
Have you or the joint applicant ever had an IVA?
Have you or the joint applicant ever been declared bankrupt?
Any other information


Financial Compensation
IMPORTANT: You may be entitled to £1000s in compensation for previously mis-sold financial products such as PPI, Bank Charges etc (on average, each enquirer has 5.5 potential claims). Don't let the banks and financial institutions keep your money to pay themselves massive bonuses & pensions with! Remove the tick if you do not wish to receive information about this service.
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