As a consumer, you have the right to be treated fairly by the banks, insurers and other financial institutions that you deal with. Sadly, this doesn’t always happen, and thousands of people end up being unfairly charged or ripped off every year.  Consumers are suffering, especially those already facing debt problems. However, the law is [...]
August, 2010
The essential money saving guide for students – pt.2
As a student, you are expected to take responsibility for your finances as well as your studies. Most students leave university with some amount of debt (mainly from student loans) but it is possible for your debt problems to worsen if you aren’t careful with your spending. Credit card, overdraft and loan payments all make [...]
The essential money saving guide for students – pt.1
If you’re heading off to university for the first time this September, it’s likely that you’ll be in sole control of your finances for the first time ever. If you aren’t careful with your money, you could end up with debt problems far exceeding your student loan repayments by the time you graduate. Many students [...]
What is ‘swap shopping’ and how can it save me money?
Swap shopping is a new craze hitting the UK, with people up and down the country finding it a great way to save money on everything from clothes and furniture to electrical and leisure items. But what is it? Put simply, swap shopping is where frugal-minded people either meet up or use dedicated online services [...]
Pauline
1. Are we the first debt management service that you have used? If not, how does the service you receive compare against that of any previous company/ companies? Yes, and I have found the service helpful and staff sympathetic to my situation at all times. 2. How has your situation been improved since contacting us? [...]
Natalia
1. Are we the first debt management service that you have used? If not, how does the service you receive compare against that of any previous company/ companies? No, I tried another one beforehand but they were not very helpful, whereas you were extremely helpful and put me at ease. 2. How has your situation [...]
Andrew
1. Are we the first debt management service that you have used? If not, how does the service you receive compare against that of any previous company/ companies? Yes 2. How has your situation been improved since contacting us? Since I contacted you I have been able to sort out my finances and have spare [...]
Mark
1. When you think about using our full and finals service, what do you most like about it? The friendly way that you deal with me and explain everything in plain English. 2. Could you tell me a particularly good experience you’ve had with our full and finals service? 4 of my accounts were settled [...]
Yvonne
1. When you think about using our full and finals service, what do you most like about it? The consideration, understanding and kindness I received and the clear information was a great relief. 2. Could you tell me a particularly good experience you’ve had with our full and finals service? The speed and efficiency of [...]
Saving money in the kitchen: top tips
There are a whole host of ways you can save money around the house, mainly involving cutting down on waste and using less energy. Of all the rooms in the house, the kitchen is the one where the most electricity and water is used because of all the power-draining appliances it is home to. However, [...]
Factors to consider when switching energy provider
Many financial experts recommend switching energy provider, or switching to a cheaper tariff with the same provider, as a way to save money on household bills and prevent debt problems from occurring. So many of us simply accept the amount our bills come to, believing that whoever supplies the property when we move in is [...]
The most effective ways to approach your debt management
Everyone deals with debt in a different way, but not all methods are equally effective. Unfortunately, one of the most common (hiding from debt and hoping it will go away) is not on the list of the “most effective” methods. It can be difficult to know where to start with the management of your debts, [...]
How to spot the signs of debt problems
These days, most people have some form of debt to deal with – whether it’s a personal loan, an overdraft or credit card debts. So how do you tell when debts have become something we should really be worried about? You may not think you‚Äö√Ñ√¥ve got a debt problem at the minute, but then again, [...]
How to manage your money and avoid debt
Debt problems generally occur when you spend more than you earn, although unexpected bills and emergency costs (such as plumbing or car repairs) can also cause financial difficulties. These sorts of situation can quickly escalate, however, and demand for payment may soon result in you taking out a loan to pay off your outstanding credit [...]
How to keep track of debt
A common problem experienced by people with debt problems is not knowing the true extent of their debts – who they owe money to and how much they owe in total. The truth is that many people don’t want to know because facing up to debt can be worrying, especially if you fear the worst. [...]