Find Reputable Debt Consolidation Services

• Are you struggling to find a reputable debt consolidation service?
• Not sure who can actually deal with your personal unsecured finances?

Lewis Alexander is a personal debt consolidation service in the UK. We offer assistance daily to people who find that they are unable to manage debt problems any longer and need the help and advice we can offer to get started on the road to clearing debt for good.

So what is the most important factor about Lewis Alexander as a debt consolidation service that sets it aside from other debt consolidation services?

It is simply that when we find our clients, or they find us, it is through our own marketing, not that of another company, intermediary or lead generation service.

• This is important for a number of reasons;

1. The OFT require that marketing for debt consolidation services must not be miss-leading, so we can control this with responsibility in house!
2. Debt consolidation lead generators can and have employed many non-compliant tactics to procure a lead and sell the prospect on for unlimited gain!
3. Lewis Alexander debt consolidation services do not pay for leads or client acquisitions from 3rd parties. We are a self generating operation.
4. Our clients always know who they are dealing with!
5. Our clients always know who they are paying!

• More reasons to use the personal debt consolidation services of Lewis Alexander;

1. Our clients always know that the money they pay Lewis Alexander is ring fenced in a secure client holding account at the Royal Bank of Scotland Plc.
2. Our clients rest assured that Lewis Alexander complies with and respects the OFT debt management guidance.
3. Our clients know that Lewis Alexander Limited company accounts are audited by regulated chartered accountants that have recently celebrated 100 years of incorporation.
4. Our clients know that we only advise them to explore solutions that we believe, from our own experience would suit them, this can be done after we have taken initial information about their current personal financial situation and circumstances.
5. All communications are secure, our website is HTTPS registered with GlobalSign and all communications are encrypted to Government standards.
6. Lewis Alexander is registered with the Information Commissionaire for Data Protection.
7. Licensed under the Consumer Credit Act by the Office of Fair trading.
8. Members of the Association of Finance Brokers.
9. Our trading name Lewis Alexander is a registered UK trade mark.
10. National television advertising credibility.
11. Our company is a registered UK company celebrating our 10th year of service.

Lewis Alexander is proud not to deal with other lead generation companies regarding the buying or acquiring of consumer data with regard to debt consolidation services.

• If you need the services of a professional and reputable time served debt consolidation service when dealing with debt then give Lewis Alexander personal debt helpline a call today using 0800 018 6868
• Lines are open 24 hours / 7 days a week and your call is usually free from a UK land line
• Mobile call costs may vary

Debt consolidation Help and Advice for a Fresh Start

• UK debt consolidation advice could be all you need for a fresh start

Debt consolidation help is available everywhere it seems. Getting the right debt consolidation advice is very important if you want the best chance of getting out of debt quickly.

Get advice to help clear your personal debts in the UK

Debt help is not purely about just being told what you need, sign a piece of paper to tie you into yet another contract and then reap the rewards of poor debt management plans. To really get to the bottom of an individuals personal debt situation takes care, attention and tact because people often feel embarrassed and vulnerable when it comes to talking about debt on our debt helpline.

Our debt advice UK advisors won't just try to convince you to enter an IVA or Debt Management Plan unless it is the correct and best debt consolidation advice for you, they will want a proper discussion to carefully work out what would be the most beneficial debt management solution for you as an individual.

Do you need just ONE, affordable monthly repayment to pay all your unsecured debts!

This can be a possibility subject to your status through effective debt management and building a personal debt help plan that will address your specific situation.Once that has been established we can recommend what personal debt consolidation solutions we think would suit you best meaning you will be better placed to make an informed choice about your financial future. Our recommendations may include any of the following.

• Debt Management UK

• Debt Consolidation

• IVA or Individual Voluntary Arrangement

• Protected Trust Deed in Scotland

• Personal Loans

There are other ideas we may have that could involve less formal propositions than those listed above but these tend to only be applicable when the debt problem is not that severe. The larger the debt problem, the more formal the personal debt solution tends to be.

You will have an idea of how serious things have become by how much stress you feel under to pay bills each month. Obviously, if things are so bad that you are not paying your mortgage arrears each month, you could be about to lose your home so something has to be done quickly.  Other lesser bills can be dealt with equally efficiently and this can help to keep creditors away from your door and off the phone.

Some of the more formal options, such as the IVA or Individual Voluntary Arrangement, actually guarantee the end of creditors writing, calling or visiting you to try and get cash from you. They usually respect the process of an IVA and once agreed they should not harass you for interest or charges.

Struggling because of a poor or bad credit history / score?

You may be struggling to get credit because of a rocky patch in your past. Find out what can be done to repair your credit rating by examining your credit reference files and ensuring everything is correct.  Find information about how to repair your credit rating
Call and one of our trained advisors will give you confidential advice!
Call free from a land line using 0800 018 6868 and make a fresh start today!

Clear Personal Debts with an IVA, Debt Consolidation or Debt Management

If you wish to clear personal debts without having to increase your borrowings further, you may wish to consider a Debt Management Plan or IVA, these personal debt solutions can clear debt without loans. They are a form of debt consolidation that help people who have previously been refused credit. They also help you avoid bankruptcy.

Are you afraid of what debt collection letter from which company is going to drop into your mail box next? Are your creditors calling you at work or at home, daily? You may even be dealing directly with your creditors, sometimes known as self debt management. This can be difficult and we can advise you further.

We can assist you to clear debts today with a personal debt solution,

Call 0800 018 6868 today in total confidence.

IVA take up rate 12% of Debt Consolidation enquiries!

The take up rate for the personal IVA at Lewis Alexander is 12%.

The company specialises in the Personal Debt Management sector and has done so successfully since February 2003. The information released is based upon enquiries that are generated from the initial enquiry to a live conversion into a Lewis Alexander client. The IVA work is outsourced to preselected Insolvency Practitioners.

The remaining 88% splits down into 63% opting for a Lewis Alexander Debt Management Plan and the final remainder choose options such as bankruptcy and loan options where available.

The figure is surprising as the general market place of personal debt advice and help services seems to be direct selling the IVA! Lewis Alexander are proud to offer the client a full explanation where necessary so as to enable the consumer to make an informed decision. This could be adopted as best practice amongst all companies and implemented on a compliance basis by a regulator.

The industry could then adopt an accepted standard conversion rate for a compliant fee charging advisory service.

The main problem Lewis Alexander has encountered with the funding and floatation's of IVA PLC companies, dating back to 2004, is that the individual choosing to enter into an IVA over a Debt Management Plan or Voluntary Petition for Bankruptcy is no different in there make up, they are still only human! The point being is that the individual is open to exactly the same changes in circumstances over the next 5 years that has created the need for action in the first place. The Debt Management Plan may not be as rewarding in fees as an IVA to the operating company but is sometimes a preferred approach for advice when the advisor has the experience the client does not!

Yes, companies are in business to make money but at this end of the financial sector there should be an element of caution as the detriment to the consumer can be catastrophic if the consumers IVA fails due to their lack of continuity of payment etc,,

The Debt Management Plan is not a legally binding agreement and is informal between client and creditor. Therefore, the "City of London" or financial institutions raising funds for floatation's have avoided Debt Management Companies in the main. This is why some of the IVA companies or IVA factories have scurried around making acquisitions that seem still to be proven on a profitability basis. These companies surely could not have floated as Debt Management operations but did create great projections and share rushes, then proceeded to buy Debt Management companies in a bid to keep their bottom line positive and reduce the cost per client acquisitions.

Lewis Alexander has previously rejected take over bids from a certain IVA company due to this mind set as described above. The take over would have affected the success enjoyed by both client and employee when clearing debts, coupled with the excellent balance of impeccable client retention rates with outstanding abilities to generate new enquiries that convert into acquisitions.

The cost to an IVA company to generate an acquisition had reached £1000 over the last 2 years and in some cases more. These companies business models are costly and when compared to the Lewis Alexander CPA of an IVA at £150, it seems outrageous. Is the sector finished as a direct sell arena and where will the money makers move next?

We can confirm that the only PLC involvement at Lewis Alexander is Profitability, Liquidity & Capital.

IVA or Debt Management? - Get a FREE Credit Check from Experian before you decide

Before you decide on either a Debt Management Plan or an IVA / Individual Voluntary Arrangement, make sure you have checked your current credit status!

This is important as it will show you what is on record about your financial history. You do not want to carry on as though this information does not exist and once you read it, things on the report seem less frightening than you thought. If anything, it is a good starting point for any debt advisor to help you from, as it is easily read by people who are reading them daily.

You can get a free credit report online from Experian in the UK.

Proud Sponsors of Guide Dogs for the Blind

The Guide Dogs for the Blind Association of the UK is constantly seeking funding from any source as there is no government funding available to the charity. Lewis Alexander Debt Consolidation Services is a proud sponsor of Guide Dogs and should any visitors be in the fortunate position financially to contribute, it would be most kind.

Visit Guide Dogs, meet the puppies!

UK Debt Consolidation Company launches Larry the Loan Broker

Lewis Alexander Financial Management has launched a secured loan broker called Larry the Loan Broker. Larry is based on a Texan theme and was delivered on time and in budget by not normal mEdia of Manchester.

Products on offer include secured home loans, payday loans, unsecured all purpose loans, debt consolidation loans and refused a loan help and advice.

Lewis Alexander believe the new brokerage should only compliment the existing IVA and Debt Management departments, making the company a "Turn Key" solution for consumers seeking help to clear personal debts in the UK.

Larry will be advertised online and on national UK television. This is a very similar model operated by Lewis Alexander. The Larry DRTV advert is due to air in the Spring of this year (2008).

For further information or to apply for a personal loan in the UK visit Larry online @ http://www.larry-the-loan-broker.co.uk/

IVA, Debt Management, Bankruptcy Help & Loans

Regardless of the type of personal debt you may have, you will at some point of dealing with your problem, consider one of the following options available to clear debt in the Uk,

Debt Management, IVA, Bankruptcy, Consolidation Loans, Debt Advice

for more help and advice if you are currently suffering please contact us free today for a consultation.

CAB reports increase again in Personal Debt Helpline requests

People seeking financial advice from Ipswich Citizens Advice Bureau. has increased drastically compared with the same period of the previous year.

4,200 plus people sought debt help from the bureau in six months Debts of between £10,000 and £30,000 are most common. Some cases are between £50,000 and £60,000 without incorporating mortgages. Secured Loans are also becoming a problem for a lot of home owners.

Refused Loans, Need Debt Help?

If you have been refused loans it is no use keep on applying for more credit when the banks and lenders will not provide! Accept that debt help or debt management or an IVA at an extreme, can clear debt without further borrowings,

Call free today, and STOP applying for those loans!

0800 018 6868

DRTV advert by Lewis Alexander Debt Help

Lewis Alexander relaunches their 2005 TV advert in response to high numbers of people requiring personal help and debt advice in the Uk to clear debts


See the Lewis Alexander DRTV Advert now,