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control of your debts

If you have debts of over £4,500 and are struggling
to repay, get in touch today.

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Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service click here

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Debts we can help you with...

Credit Cards

Credit cards can be used to make purchases when you might not have the cash ready, to reduce the cost of expensive debt by getting a lower interest rate, and to earn rewards and cashback when you make purchases. If you’re struggling to make repayments on your credit card, get in touch.

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Payday Loans

Payday loans are short-term loans originally designed to tide people over until payday. With incredibly high interest rates, a relatively small amount of money lent via a payday loan can be difficult to pay off. Are you struggling with payday loan repayments and need help.

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Store Debts

The idea of buying goods and paying for them later may be attractive, but high interest rates make many store cards difficult to pay off. If you’re struggling to keep up with store debts and need help taking control of your finances, get in touch.

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A loan is the act of giving money, property or other goods to another person in exchange for the future repayment of the original amount plus interest or other charges. Depending on the rate of interest attached to a loan, the total repayment can be significantly more than the amount borrowed.

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Mortgage Shortfalls

If the amount your home is sold for does not cover the outstanding mortgage and any secured loans, you will owe the remaining money to any associated lenders. This ‘mortgage shortfall’ can be a significant debt that many people struggle to pay off. If you are dealing with this type of debt and looking for help get in touch

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Utility Arrears

Utility arrears are debts to your gas, electricity or water provider. Millions of people in the UK have utilities arrears, but few people know how to tackle them. Get in touch to find out what you can do about your utility debts.

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Council Tax Arrears

If you’re behind on Council Tax or you’re struggling to make payments, you could face prosecution from your local authority. Get in touch today to see what options are available.

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CCJ Debts

If you owe money and cannot pay it back then a creditor may apply to the County Court for a Judgement.

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An overdraft is an extension of a bank account, allowing you to continue to withdraw money even after the account reaches zero. This money is given on a borrowed basis, often has interest or a fee attached, and is repayable ‘on demand’.

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Previous House Rent Arrears

Applying to current and former tenancies, house arrears can include non-payment of rent, court costs, water rates, chargeable repairs, and compensation owed to landlords where a tenancy has been ended and the tenant has failed to leave.

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Benefit Overpayment

A benefit overpayment can happen for a number of reasons. This could be because the benefit office made a mistake, or because you didn’t know you had to tell them about a change of circumstances that meant you were entitled to less benefits. Are you dealing with benefit overpayment debts and struggling to cope, get in touch today

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