About us - very different very effective
As independent Debt Counsellors we have been helping people deal with debts for over 5 years and were one of the 1st UK companies to provide the free "identify your options" approach allowing our clients to make an informed decision.
"It was a huge relief to talk to an expert who listeand understood our worries and ned thanks to you the future is much brighter" Mr and Mrs W
We often get asked how can we be independent and provide this level of expertise support and help without charging fees on the majority of the solutions or help we provide and quite rightly you should be sceptical about many companies or organisations.
In many of the solutions we help with we also provide an administrative function preparing, coordinating, and collecting information and documents where necessary as well as providing ongoing support and help.
For example where a client wants to apply for an IVA we receive a payment for carrying out the functions above and any costs in administrating an IVA are legally included within your IVA so you don't have to find fees.
Recommendations from our clients keep us busy without having to run expensive advertising campaigns which allows us to provide free advice and help covering many different issues and we would ask you to read the following carefully.
Our approach is unique and if you can answer yes to the following points then we would be pleased to be given the opportunity to demonstrate our expertise.
- Can offer help via telephone post email or home visit*?
- You want to solve the problem quickly?
- Understand all your options based on your circumstances?
- Have the pro's and con's properly explained?
- Help to make sure you can make the right decision?
- Looked after by dedicated experienced consultant?
- Don't want call centers following on screen scripts?
- Need experts in finding solutions when others fail?
* England and Wales only, depends on assistance required.
Be Careful - the decisions you make can affect you for years
There is no shortage of publicity surrounding the numbers of people struggling with debt but unfortunately the internet is littered with companies trying to cash in on your vulnerability encouraging you to fill in online forms for an instant solution
The internet is a great source of information but in the Debt Help sector things are often not as they seem and these are a few examples.
Many internet information sites are just forwarding your details on to others and some are effectively selling on your details as leads, just Google for example "IVA leads" or "loan leads" and you will find lots of companies selling online website generated enquiries.
Did you know that the Consumer Credit Counseling Service, Payplan, National Debtline and others are financially supported by the credit industry and normally the lenders you owe money.
Remember companies or organisations will be quick to report their successes but few are likely to report failures for example in how many IVA applications were turned down along the way.
Web blogs are full of peoples success stories over winning battles with Creditors Debt Collectors and legal action but people rarely report the failures eg that the Statutory Demand they thought was a bluff turned into a Bankruptcy Petition or that their set aside hearing went against them or their IVA declined.
If they don't display a consumer credit license number, a contact telephone number, an address, can offer a face to face meeting and are independent then we would suggest you tread very carefully.
Don't be fooled as making a mistake here can be costly in both financial and emotional terms therefore understanding your options and the potential pro's and con's on each is essential before making any final decision.
Over the years many of the clients we have helped came to us as a direct result of being given inappropriate or wrong advice from inexperienced staff often sitting in call centers following scripts and we receive calls for some of the following reasons:-
- Promised a loan only to find out weeks later it was declined.
- Were told they could do an IVA and completed the paperwork and after a few weeks had been told they can't.
- They were told they could remortgage and weeks later it was declined.
- Informed they could not apply for an IVA when they could.
- Were informed a Statutory Demand was just a creditor trying to frighten them but then they received a Bankruptcy Petition.
- Agreed a reduced payment plan with their creditors but they are still taking legal action.
In the nicest possible way you have been warned.
The way in which we can help of course will depend on size and types of debt as well as your financial and personal circumstances and we have helped people in many different ways who are employed self employed unemployed or on benefits from Teachers to Police Officers from Drivers to Factory Workers from Admin Assistants to even Bank employees.
As a truly independent company we adopt a friendly consultant based individual approach and where necessary through strategic relationships with other experts we can tap into a wealth of additional knowledge and expertise if and when required.
If you are not sure what you could do next, need urgent help or just further information please telephone or email one of our friendly consultants in confidence today
The call or email could change your life!
Free Confidential National Helpline 0800 781 9958
email:info@discreetdebtsolutions.co.uk
IVA - Debt Management - Debt Negotiation - Free Affordability Assessment for Loans Credit and Finance - Bankruptcy Petition- Bailiffs - CCJ's or County Court Judgements - Default Notice - Mortgage and Secured Loan arrears
Head Office :- York House Shoplatch Shrewsbury Shropshire SY1 1HN