Debt Advice and Debt Help

Lookie here...I think a skill swap exchange could do with being anonymous, but I haven't got anything sorted yet.

So - use this to either:
* Register a skill you've got that you're prepared to do as a favour or in return for...another skill?
* Ask for help - say what you're willing to offer: something or a job you could do in return.

I suggest that all final arrangements are done by private message.

Let's see what happens...
minus5media
Posts: 5
Joined: Wed May 19, 2010 4:52 pm

Debt Advice and Debt Help

Postby minus5media » Thu May 20, 2010 10:26 am

FREE Confidential Debt Advice and Debt Help

What is an IVA?
An IVA (Individual Voluntary Arrangement) is a legal agreement made between you and your creditors for you to repay your debt at a set amount over a set period of time (normally 60 months). An IVA will normally allow you to write off up to 70% of your debt, after the term of the IVA you will be Debt Free and free to re-start your financial life. Visit http://www.madisonfinancial.co.uk for more information or email us info@madisonfinancial.co.uk

What is a Debt Management Plan?
A debt management plan is an informal way to repay your debt using one monthly affordable payment, based on your income and expenditure. A debt management plan is set up and administered by a debt management company who will deal with the day to day running of your debt. Visit http://www.madisonfinancial.co.uk for more information or email us info@madisonfinancial.co.uk

What is Bankruptcy?
Bankruptcy has always been considered the last resort to resolving debt problems, the setting up of a bankruptcy can be very! Stressful and the consequences very hash. Always look at other options, before making your final decision on bankruptcy. Visit http://www.madisonfinancial.co.uk for more information or email us info@madisonfinancial.co.uk

What is a Trust Deed?
A Trust Deed is the Scottish equivalent to the English IVA. The main differences of a Scottish Trust Deed are that you will normally write off up to 90% of your debt and you would be normally debt free in 36 months. Visit http://www.madisonfinancial.co.uk for more information or email us info@madisonfinancial.co.uk

Debt Advice & Debt Help
There are many different types of debt solutions available to help you resolve your debt difficulties. Our expert debt advisors of fully trained to give you the best possible debt advice available. Firstly our friendly experts will complete a full fact find with you to establish what your financial situation is, they will then talk your through your options. We can assist you with Debt Management Plans, IVA, Consolidation Loans, Bankruptcy and Trust Deeds. Visit http://www.madisonfinancial.co.uk for more information or email us info@madisonfinancial.co.uk

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firenze
Posts: 139
Joined: Sat Apr 15, 2006 2:39 pm

Re: Debt Advice and Debt Help

Postby firenze » Thu May 20, 2010 10:49 am

Or alternativley go to your local Citizens Advice, who will do it for free :-)
I'm a happy camper

minus5media
Posts: 5
Joined: Wed May 19, 2010 4:52 pm

Re: Debt Advice and Debt Help

Postby minus5media » Thu May 20, 2010 12:38 pm

Thanks for your response firenze

That is correct the CAB do provide FREE advice and so de we. The difference between us and the CAB is that you do not need to wait 3 months for an appointment, which is the current waiting time with most Citizen Advice Bureaus.

It is totally FREE advice visit http://www.madisonfinancial.co.uk for more information.

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firenze
Posts: 139
Joined: Sat Apr 15, 2006 2:39 pm

Re: Debt Advice and Debt Help

Postby firenze » Thu May 20, 2010 2:06 pm

[quote="minus5media"]
The difference between us and the CAB is that you do not need to wait 3 months for an appointment, which is the current waiting time with most Citizen Advice Bureaus.


Thats not actually true,it depends whereabouts in the city you live as to how long you have to wait for an appointment at the moment average waiting time is a few weeks (not months!) for unsecured debt, and people will always be seen in an emergency.

Do your homework Mr L!
I'm a happy camper

minus5media
Posts: 5
Joined: Wed May 19, 2010 4:52 pm

Re: Debt Advice and Debt Help

Postby minus5media » Thu May 20, 2010 5:27 pm

Hi Again

Sorry I stand corrected I have just spoken to a lovely lady AT the Sale Branch of the Citizens Advice Bureaux (This is the closest one to Chorlton open today). I explained a situation of being in debt and falling into arrears, I explained I was very stressed and Had not slept.. She said she can only fit me in 3 weeks…

So I stand corrected earliest appointment I could get was in 3 weeks time NOT 3 MONTHS.. Please feel free to check out the opening times on the CAB website, It’s interesting reading.

Fell FREE to visit www.madisonfinancial.co.uk if you are having financial difficulty I am available straight away…

And Yes the CAB is a great service, I have spoke to them an many occasions and I would not say anything bad about them…

I await your response F

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firenze
Posts: 139
Joined: Sat Apr 15, 2006 2:39 pm

Re: Debt Advice and Debt Help

Postby firenze » Thu May 20, 2010 6:55 pm

The closest CAB open to Chorlton open on a Thursday is Hulme.

http://www.manchestercab.org.uk/ has all the opening times.

They probably wouldn't be able to give you a debt appointment at Sale as you don't pay Council Tax to Trafford :-) They are very strict on that! Just as Manchester CAB can't see anyone outside Manchester City Council boundaries.

You can also go to Manchester Advice, which is the Councils advice service you can phone them on 0161 234 5678 or you could go to National Debt line, which can give exactly the same advice over the phone.

BTW do you realise you can't actually open the madison finance link you've put up!

It's good you're offering free debt advice, I'm just wary about all these companies which say they are free, or offer what seems like an easy way to get out of debt, a lot of these people are vulnerable, and then end up at the CAB!
I'm a happy camper

minus5media
Posts: 5
Joined: Wed May 19, 2010 4:52 pm

Re: Debt Advice and Debt Help

Postby minus5media » Fri May 21, 2010 1:46 pm

Hi Again,

I must of overlooked the Hulme Centre listed on the CAB website, But the Sale office didn’t mention about council tax or who I paid my council tax to.

That’s correct the “National Debt Helpline” do also provide free service, so do “The CCCS” and “Payplan”… All these companies including the CAB will try and put a monthly payment plan in place..

We however can look at other options that are FREE depending on debt levels etc, we specialise in IVA and we do not change upfront IVA fees, like most companies.

Don’t always rely on the CAB the CAB told one a person that I have helped to go Bankrupt, yet this guy was a home owner with £45k of equity in his property and only a £26k debt, so bankruptcy is not the best option as this chap had a Disposable Income of £350 per month and he would of lost his house…. This chap is now on an IVA…. (You do not have to believe this, but it happened)… Everyone makes mistakes.

I tell alot of people I speak to, to check the CAB as well as our company.

Thanks for checking the links they all seem to be working fine at my side, you may have clicked on an email address by mistake.

And you are very correct there are loads of companies out there just trying to rip people off, believe me we are not one of them… Anyone can just phone for FREE advice, nothing else.

Thanks

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annie
Posts: 4816
Joined: Thu Apr 08, 2004 2:08 am
Location: Chorlton

Re: Debt Advice and Debt Help

Postby annie » Wed May 26, 2010 6:23 pm

This is great... keep it up you two! :)
One must always be wary of the march of the right-wing. I advocate public flogging/confiscation of assets/rehoming of their young

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digger
Posts: 1918
Joined: Thu Sep 15, 2005 4:41 pm
Location: Whalley Range

Re: Debt Advice and Debt Help

Postby digger » Sat Jul 03, 2010 5:22 am

Piss off spammer. I've reported your three (identical) posts.
Our brains have just one scale, and we resize our experiences to fit.


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