In Debt ? Get Financial Independence
Debts are the stepping stones for your financial independence. Behind every problem lies a story, whatever the circumstances your solution is few clicks away…
Every major difficulty you face in life is a fork in the road. You choose which track you will head down, towards breakdown or breakthrough. County court judgements, mortgages arrears, defaults are not different. You are part of the solution; you can break free of the shackles of debt.
We want to offer you long term solutions, creative strategies to improve and change your finances fro life, because we create partners for life. Your finances will checked and reviewed periodically to make sure that whatever your circumstances we can repair your credit repair and offer you the most competitive rates in the market.
CCJs (County Court Judgements)
Once you receive notification of a County Court Judgement, you have one month in which to pay the amount in full BEFORE the CCJ becomes registered with the Register of County Court Judgements.
If you don’t pay within a month that will show on your credit record and affect your ability to borrow money. Once the CCJ has been registered, even if you pay it in full at a later date, it will remain on your credit record for six years.
We have access to specialist lenders that will allow raising finance even on these cirmcumstances.
- We will consider everyone, whether you have one CCJ against your name, or even over 6.Talk to us
- Some of our lenders partners will ignoreCCJs for amounts lower than £150.
- Although CCJs (both paid and outstanding) remain on your record for six years, many of our lenders will only take into consideration CCJs that have been made in the last 2 or 3 years.
- In addition, many of our lenders will only consider any CCJs that are not being satisfied, so if they've been paid in full, they don't affect the schemes or products that you might qualify for.
Mortgage Arrears
Your mortgage is secured on your home. This means that if you are struggling to make your mortgage payments and have fallen into arrears you need to act quickly to prevent your home from being repossessed by the bank and sold to pay off your debt to them. Your could lose your home and to recover financially from a repossession is hard, and of course the stress and disruption t that could bring to your personal life.
For this reason if you have run into financial problems it is also important that you give your mortgage priority over any other unsecured debts you may have. Please talk to us as soon as you can.
However if you are still struggling to make your mortgage payments every month and catch up on any payments you have missed in the past, there are still things you can do to take control of the situation.
By remortgaging your home, you may be able to release enough equity to payoff any arrears you have accrued and possibly even reduce or change your payments terms to make it easier to pay your mortgage in the future.
We will help regardless of how many payments you have missed.
It is important to note, however, that the more payments you have missed the higher risk you will be to a new lender, and as a result you may not qualify for the most competitive deals if you leave the problem for too long. Remember it is always better to try and fix the problem sooner rather than later.
If you need to catch up on your mortgage payments and reduce your outgoing and think that we may be able to help, then please contact us to speak to one of our experienced mortgage advisers today.
Let’s work together on a partnership for life
- Debt is not a crime, letting it ruin your life is.
- Learn the difference between bad debt and good debt.
- Take action and reduce your fear.
- Change to response to debt accepting responsibility.
- Say goodbye to bad debt now and here!
- Change yourself and your world will change.
- Learn from bad experiences and make a good experience.
- Work on your weakness that weakens you.
- Understand the difference between bad and good debt and use it to your benefit.
- Get up, get over, keep going
We are going to work with you, to help you to become financially aware of your actions. You can repair you credit today and for ever learning the positive steps towards healthy borrowing.