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Debt Management UK to consolidate your payments

Debt Management consolidates all your debts in to one affordable monthly or weekly payment. This is an informal arrangement made between your and your creditors.

Wise Money have providers of finance that may be able to assist you. The finance company will take details of your outstanding credits, income and outgoings, and provide proof to your creditors that they can't afford current repayments. You will then make one affordable payment to the finance company, which will in turn distribute this to your creditors. Typically, the new payment is half your existing payments, but will depend upon individual circumstances. The company charges an administration service for arranging this for you.

How can this help you?
* It creates lower payments for you.
* Payments are based on your disposable income.
* One payment.
* Less hassle, you pay the company and they forward payments to your creditors.
* Creditors liase with the company not you.
* Client control.
* If your circumstances change for the better or the worse, you may adjust your payments accordingly.
* No need for you to get involved in legal proceedings.
* Unlike an IVA, this is an informal agreement, not involving the courts and it does not require minimum loans levels.
* Does not put your home at risk.
* Unlike a secured consolidation loan, you do not run the risk of having your home repossessed should you not be able to make payments.

For financial help a fast online consolidate loans calculator APPLY NOW please click here now

Examples of where credit refinancing fits in...

Total loans amount: £39,000
Was paying: £891/month
Now paying: £396/month
Client has totals outstanding loans of £39,000 with 7 creditors. He was aged 67 with a household income of £1,150 per month (including his own and his wife's pension). He was paying out £891per month. He owns his home, without a mortgage, valued at over £400,000. He was unable to get a mortgage or secured loan due to age and insufficient disposable income. We have reduced his payment to £396, with a view to getting a mortgage or downsizing his home in the future.

Total loans amount: £12,950
Was paying: £350/month
Now paying: £180/month
These clients were repaying all their monthly credit payments until the husband lost his job, halving the household income. A few months later the savings which they had were all gone and so they tried looking at an unsecured loan to reduce monthly payments, not being homeowners they were unable to borrow against their property. Their low income ment that they were unable to get any type of loans and now they were beginning to miss payments. The clients looked at the possibility of an IVA but as the husband would be returning to work, an IVA would effect the client for too long given that the husband may be able to return to work within the year. A credit arrangent was the right solution for them because the payments were flexible and could be increased when they were both working again.

For help and a fast online consolidate loans calculator APPLY NOW please click here now

Even if you’ve got a bad credit history you can still apply for help. A bad credit history should not put you off applying for finance and we have helped many customers who have been turned down in the past by other lenders. Being refused credit or having a bad credit rating is nothing to be ashamed of and we won't judge you either.

A bad credit history is just that, history. So why not fill in our online form today for a free quotation and perhaps we can turn your situation into a positive result.

Finance for tenants, homeowners, and anybody with bad credit or credit difficulties such as CCJs, defaults or mortgage arrears. We even arrange loans for the self-employed and those who have difficulty in proving their income.

For help and a fast online consolidate loans calculator APPLY NOW please click here now