Services – FCAL Website

Our Services

Bounce Back Loan (BBL) And Coronavirus Business Interruption Load (CBIL) Repayment Problems

If you are struggling to repay your BBLS or CBILS repayment, First Credit Advice Limited can provide you with solutions.

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.

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.

Negotiating 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.

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.

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.

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.

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.

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.

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.

Unfairly 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.

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.