Apr 23

Established Personal Debt Consolidation Services

Debt Help Online No Comments »

Get online help to find an established personal debt consolidation service.

 

We all see the news, press and TV adverts about personal debt management and debt consolidation companies, it can be hard to find a trusted and established personal debt consolidation service when you actually find yourself struggling with personal debt problems.

  • Lewis Alexander is an established personal debt consolidation service operating on a national basis throughout the UK.
  • We are celebrating our 10th year!

Help and advice is available for people who need to clear personal debts that may have been refused debt consolidation loans or further credit.

When you get refused a loan it can be hard to accept and by continuing on and making multiple applications in a short period of time, you can damage your credit score with multiple recent declines logged on your credit report.

Personal debt consolidation services can assist people to clear personal debts without the need to increase borrowings any further. This can be done by entering personal debt solutions such as Debt Management Plans or IVAs (Individual Voluntary Arrangements).

Most people consider the debt consolidation options of Debt Management Plans and IVAs but usually do not accept they are the best way forward until every avenue of further credit has been explored.

The continual borrowing and revolving within credit accounts becomes a normal way of life and the solutions that actually best fit the client tend to be ignored by the client themselves.

The earlier you can accept that a loan is not the best way out of personal debt, the better chance you stand of clearing the debt for the least amount possible when considering the total repaid.

Lewis Alexander can offer you personal debt consolidation services and will advise you about options available to you based on your current circumstances.

Your call is usually free from a UK land line, mobile call costs may vary so please check with your service provider before calling.

Tagged with: • • •
Jul 11

National debt help and debt advice service in the UK

Debt Help Online No Comments »
  • We help people all over the UK with their debt problems!
  • No matter where you are in the UK, if you have a problem with personal debt, we could be able to help you.

We offer anyone struggling with personal debt a financial health check to ascertain what the issue at the heart of the financial problem is and we offer confidential and concise advice to enable you to make informed choices about your financial future.

We have all been hearing in the press and media about how bad the Great British debt situation has become and that people in the UK have taken on more and more credit over recent years resulting in the increased need for national national debt help.

If we were to listen to all the hype about personal debt, we would believe that every single person in the UK has debt coming out of their ears.

  • This is of course, exactly that … just hype!

We all understand though, that there are people who do struggle with their debts, whilst the vast majority of people manage their debts perfectly adequately and that those who struggle often find themselves in this predicament through no fault of their own. We focus on help with debt that allows people to manage their debts in the best way possible with options such as debt management plans.

  • What is debt management all about?

Debt management UK  is a way of dealing with debt by making agreed payments to creditors and reducing interest and charges where possible to enable the steady reduction and eventual clearing of debt. There is no guarantee that interest and charges can be frozen whilst utilising a debt management plan. Sometimes personal debt management can be as simple as merely re-organising how you run your finances but could mean using an (Individual Voluntary Arrangement) IVA or debt consolidation loan.

  • What is an Individual Voluntary Arrangement or IVA

An Individual Voluntary Arrangement or IVA is a formal agreement between you and your creditors over a fixed period of time (usually 60 months / 5 years) to enable you to pay a fixed and agreed amount to your creditors after which you will usually be clear of debt.

An IVA is a legally binding contract and should not be entered into lightly.

  • What is a Debt Consolidation Loan?

A debt consolidation loan is normally an unsecured loan taken out to pay off all existing debts. All your other loans and credit are added together and the new loan covers them all and hopefully gives you a smaller monthly repayment to make enabling you to manage your finances better.

A Debt Consolidation Loan is not always the best solution and we will gladly advise you whether this would suit you and your circumstances.

  • If you are paying for debt help or debt advice then you shouldn’t be.
  • If you are having to call high rate phone lines to get the information you need, you can get that information for free.
  • We do not charge people for any initial help or advice but our ongoing services are chargeable.

Other people who have used our debt management services have been impressed with how we focus on our clients and not just their creditors, personal debt should be something we can control not something that controls us.

  • Mrs Rigg of London said;

I called for debt help and my debt advisor explained everything. No forms to fill out and your staff were very friendly. You obviously understand how to help people in debt. I am clear of debt now after making one monthly repayment for 2 years. You did what you said!

For help with your personal debts please call us free from a land line using 0800 018 6868

Tagged with: • •
Jun 22

Personal debt advice online

Debt Help Online No Comments »
  • If you need help and advice regarding personal debt issues, we may be able to help you.
  • Debt advice online is available from many different sources and you should be careful when deciding who to take the personal debt advice from.

At Lewis Alexander, we offer debt advice online and we specialise in debt management plans and advice about  individual voluntary arrangements.  Allow us to help you by contacting us online today and we will recommend a route for you to become clear of debt again! Some companies charge for personal debt advice online, be warned! Our initial advice is FREE, our ongoing services are chargeable.

If you are suffering from any of the following you should get in touch today

  • Struggling with debt repayments?
  • Creditors calling?
  • Receiving debt collection letters?
  • Increasing interest and charges being applied to your accounts?

We can only offer debt help and advice online to people who accept they need it, if you are one of these people we would be happy to offer our debt help and bad credit loan advice. Our free debt helpline is available by calling 0800 018 6868. Your call is free and is dealt with confidentially by our trained staff in the UK.

  • Speak to a personal debt advisor by telephone in the UK, call free from a land line using 0800 018 6868

Debt management plans in England are informal agreements between individuals and their creditors. You repay over a longer period but designed to allow you to afford the repayments. Debt Management plans offer one affordable monthly payment and no need for another loan! Your credit rating could be affected by using a debt management plan. For further information about personal debt management plans please contact one of our trained advisors.

An  IVA or Individual Voluntary Arrangement is a form of UK personal Insolvency. This is a legally binding agreement between the individual and their creditors and will usually last for 60 months, restrictions do apply so be aware of what you are entering into.  For further information about an IVA please contact one of our trained advisors.

Bankruptcy in England and Sequestration in Scotland are the solutions of last resort when dealing with personal debt problems. Going bankrupt in the UK has long lasting affects to your credit rating so be sure when taking this option. For further information about personal bankruptcy please contact one of our trained advisors.

Loans are available in the UK to different people for different reasons. Many types of personal loan have confusing names, for help and advice use the following link for loans in the UK.

Debt relief orders came into effect in April 2009. They are a form of personal Insolvency and allow people with a very low disposable monthly income (£50 or under) to clear debts in a shorter period than originally contracted. A debt relief order is not suitable for all situations and the following is a brief list of how a person may qualify for a debt relief order.

  • 1) Be unable to pay their debts
  • 2) Have total unsecured liabilities / debts of no more than £15,000
  • 3) Have total gross assets of less than £300
  • 4) Have a disposable income of less than £50 per month after household expenditure

For further information about a debt relief order please contact one of our trained advisors.

You can call our free debt helpline 24 hours a day, FREE from any UK land line using 0800 018 6868. Mobile call charges may vary so you must check first with your network operator. This debt advice online service is available to UK residents over the age of 18 in need of personal debt help and advice.

Tagged with: • •
Jun 20

Debt consolidation help and advice

Debt Help Online No Comments »

Are you trying to consolidate your personal debts online into one monthly repayment?

  • Do you feel that the amount of repayments you have to make each month along with the cost involved is making your finances very difficult to manage?
  • Perhaps you think a debt consolidation loan would eradicate the problem?
  • Would you like some online advice regarding how to clear personal debts without utilising a debt consolidation loan?

People with debt problems often have a whole range of creditors and the debts added up together can become unmanageable. In this situation, a debt consolidation loan can help to clear debts.

Debt Consolidation Loans Online

A debt consolidation loan is when you add up all your outstanding debts and consolidate them into one new loan with a lower interest rate resulting usually in lower monthly repayments than all the current repayments currently added together. There are various ways of taking a debt consolidation loan, either secured or unsecured against property should you own one. Loans secured against your home normally offer lower interest rates.

Remember though, loans secured against your home mean you could lose your home as it is at risk if you do not keep up the repayments on any debt or loan secured against the home.

Experienced advisors

Our experienced advisors will help you consider all the debt consolidation solutions or possibilities and give you the best advice on which debt management UK solution is right for you. Once that has been established you usually feel much better and sure about your financial future.

Debt consolidation advice online should always be investigated in depth

Debt consolidation advice is available through our free phone debt helpline (free from BT land lines in the UK mobile call rates may vary) so if you are being asked to pay for this advice, we suggest you look elsewhere. With our expert and friendly personal debt help you can be sure you will never have to pay for the online debt advice.

  • Are you frightened of taking on another loan?
  • Do you know how much your debts cost you every month?
  • Would you know how much money if any is left over after paying your debts each month?
  • Are you struggling to make ends meet because of your debt repayments?

These and many other questions are the some of the reasons people consider taking on a debt consolidation loan online in the UK and are very normal things to experience when personal debt is starting to control your life.

If you would like one of our trained advisors to discuss your options with you confidentially, call us FREE today from a land line using 0800 018 6868.

Tagged with: • • •
preload preload preload
Please be aware that by entering into any personal debt consolidation service your credit record may be impaired. The personal debt and the period over which it is repaid may also increase. Lewis Alexander Limited is licensed under the Consumer Credit Act in the UK. © Lewis Alexander ® 2003-2012 | Registered in England UK: 4668712 | Consumer Credit License: 534049 | Data Protection Reg: Z7660931 | Land line calls to our debt helpline are free, call charges from mobile networks may vary, please check with your network provider before calling. Calls are recorded.