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Archive 25 Oct 2011

Top tips to cut down your energy bills.

This winter it is thought that hundreds of thousands of families will struggle with their energy bills after seeing a huge hike in the cost of fuel over the course of the summer.

Archive 11 Oct 2011

Time and time again I come across people in a particular plan, who are under the assumption that they are in a completely different plan. In my experience this is down to either miscommunication or misunderstanding.

Competitions 20 Sep 2011

I can’t afford bankruptcy.

If you don't have any assets or a job that is easily affected then the chances are bankruptcy is an option for you. Many people choose to avoid bankruptcy as they have a home or other assets to protect, they…

Archive 19 Sep 2011

Dawn’s Story

Here is the story of Dawn, she has now finished her DMP and is debt free! Congratulations.

Archive 8 Sep 2011

Over 65 and still working!

It was recently suggested that a third of people over the age of 65 years head into retirement with debts of around £25,000 according to The Guardian.

Archive 6 Sep 2011

Too cool for school?

Archive 4 Aug 2011

Payday Loans – Good or Bad?

There always seems to be a large amount of controversy surrounding Payday Loans. With high interest rates, quick repayment time and easy availability, Payday Loans can often be the downfall of many people in debt.

Living in Debt 27 Jul 2011

Can I change my DMP company?

People call us for several reasons: it may be that they realise they can no longer afford to manage their debt, they know their situation is about to change so they are planning ahead, or they simply decide that they…

Archive 20 Jul 2011

Gambling & Debt

It is thought that some 68% of the UK population participate in some form of gambling activity over a one year period.

Archive 12 Jul 2011

Debt: Perception versus Reality

The aim of the survey was for us to gage what people’s perceptions of debt are. It is usually the case that people’s perceptions are a lot different to the reality, this survey turned out to show exactly that.

Archive 21 Jun 2011

A Clients Story: Kevin

It started a few years ago. Our bank accounts were being maxed out and to pay our bills we had to use our credit cards.

Archive 16 Jun 2011

Mortgages & Remortgages

Buying a home and getting a mortgage is a huge financial commitment whether you are a first time buyer or whether this is your second or third home.

Archive 17 May 2011

Dealing with depression and debt

Archive 4 May 2011

Your Credit Report…

Your credit report can help decide whether you are given credit or not and holds all the information a creditor needs to make that decision.

Debt Facts 14 Apr 2011

Repossession

If you have a mortgage and you fall into arrears with your payments you risk losing your home and having it repossessed.

Archive 5 Apr 2011

What is a Full & Final IVA

Important Update (June 2025):This blog was originally published in 2019. Since then, there have been important updates to IVA (Individual Voluntary Arrangement) protocols and guidance. While much of the information below may still be useful, some details may now be…

Archive 21 Mar 2011

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DMP vs IVA