IVA provider ClearDebt offers an excellent news service that on average has 4 current stories per day and is one of the most authortive debt news resources on the Internet. (more…)

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The Debt Advice Handbook (ISBN 1-901698-88-2) published by the Child Poverty Action Group (cpap.org.uk) is currently the most honest and information debt advice guide available for those living in England and Wales. (more…)

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Karl Marx stated the only thing the working classes possess is their labour. That’s not true now, but for most people, we work for so many hours, then we get paid an hourly rate for working those hours.

So when we spend money from savings, we spending from our past labour. When we spend on credit, we are spending money we have not earned yet, in other words we are spending our future.

So, the next time you are about to make non-essential purchase on credit ask yourself, how much of my future is this costing me?

Many people in need of debt management help, have in effect already spent years of their future. If your circumstances allow you to quailify for an IVA, then at least 5 years is as far in the future and a return to a debt free life need be.

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We speak to people everyday who enter into finance agreements without understanding the level of interest they will be charged.

You may be surprised how many people do not know that APR stands for Annual Percentage Rate, nor are numerate enough to equate the figures to what they are actually being charged. (more…)

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IVA.com is a website that allows customer feedback from over 500 IVA companies and IVA providers.

We are part of the ClearDebt group, so IVA enquires made to ourselves are executed by ClearDebt, who rank very highly. (more…)

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Are you paying for something you don’t need? Are you paying for service you can get elsewhere much cheaper. Are you missing on reductions by not managing an account online?

A quick review of my outgoings showed I was spending £500+ more than I need to. (more…)

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There are many reasons why people contact us for help with managing their debt, divorce, loss of job, reduced hours, sickness etc. By far the most common, though, is simply overcommitment, or too much debt for the level of income to sustain comfortably.  Unbelievably, many people have no idea how much they owe in total.  (more…)

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There are genuine fears that although base rates are unchanged that mortgage rates may still have to rise.

Mortgage rates are set to rise as crisis grips the worlds financial markets, home owners have been warned. Economists fear that high street lenders will be forced to pass on higher interest charges to their customers. (more…)

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The government has rejected calls for more regulation of IVA companies from the banks and lenders.

Banks have been lobbying for tight controls, claiming their own losses from bad debts have been due partly to unscrupulous marketing of IVAs. (more…)

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Offer Full and Final settlement payments if you have lump sum of money. Don’t just use it to pay of some of your debts without negotiating with your creditors first. (more…)

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