In recent years and for the last decade, growing level of Debt has become a major concern for many as it can affect anyone anywhere. Up to 8.3 million people in the UK are unable to pay off debts or household bills, according to a report from the National Audit Office (NAO). Average UK household debt now stands at record £15,400.
Hence the scope and reputation of advice for debt solutions has gained utmost importance. We have also complied a Debt Solutions guide which is available on our website and can be used as a ready reference for any debt situation.
Who are we
Incorporated in 2012, we are rendering our services to this debt industry for the last 8 years. We have a highly skilled and committed team. Our strongest marketing toll is the word of mouth which is spread in market by the number of satisfied customers as we sell nothing but peace of mind. Maximum customer satisfaction is achieved through Robust Customer Service and no complaints against us for the past 8 years is our performance indicator.
What We Do
We provide necessary advice for any type of debt problem which includes Secured Debts (Mortgage Arrears, Car Loan, etc.), Unsecured Debts (Credit Cards, Personal Loans, Payday Loans, Mortgage Shortfall etc.) and Government Debts (Over Paid Benefits, PAYE, Income Tax etc.)
We can suggest the debt solution which is most appropriate to the situation and future preferences. We feel pleasure in helping people getting out of the debt and bringing a smile on their faces.
Our Services
Debt Adjusting
In recent years and for the past last decade, growing level of Debt has become a major concern for many of us as it can affect anyone anywhere.
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Credit History Advice
Your credit history can also be known as your financial CV. Finding time to monitor your credit score is vital if you are keen to preserve or improve your credit score.
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Advice About Bailiff Actions
A bailiff may visit your home if you do not pay your debts - such as Council Tax bills, parking fines, court fines and county court or family court judgments.
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Negotiating Financial Agreements
We renegotiate the loan agreements with your lenders on your favourable terms according to your affordability as per the income and expenditure statement you provide.
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Goverment / Tax Debts
Tax Debts also known as Revenue debts including overpaid benefits, self-assessment tax, VAT and PAYE/NIC generally cannot be included in a DMP although tax debt is an unsecured debt.
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Mortgage Arrears
First Credit Advice Limited will assist you with your mortgage arrears by making reduced and affordable repayments towards your outstanding balance of arrears.
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Mortgage Short Fall Debt
This happens when the amount your home is sold for is not enough to pay the outstanding mortgage and any secured loans.
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Unfair Defaults
A Default occurs when an account has had consecutive missed payments and is subsequently closed by the lender. When the lender considers that the relationship between you both has broken down, it can record a default.
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County Court Judgment Debts
County Court Judgement (CCJ) is a Part of public information on your credit report and has a very serious impact on your credit score. Lenders usually do not prefer to lend someone with a CCJ on credit file.
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Unfairly Marked Insolvencies
Insolvencies includes Bankruptcy, Individual Voluntary Arrangements (IVAs), Protected Trust Deeds and Debt Relief Orders (DROs) etc. Each form of insolvency is completed in different periods of time.
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Unfairly Marked CIFAS
Sometime a personal or business account is closed by bank without giving any details to the customer. A major reason behind this action is CIFAS marked against your name.
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OUR MISSION STATEMENT
Our mission is to provide Peace of Mind Financially. We ensure that we deliver the right solution at the right time to get our clients out of debt.