Personal debt advice and help

• Get debt advice that will actually make a difference!

It does not matter what time of day you decide to get debt help, our lines are open to take your call 24 hours a day, 7 days a week.  So if you have woken again during the night and have decided it is time to change your financial future, we are happy to take your call.

• Call us right now! Day or night you can call FREE from a BT land line using 0800 018 3345.
• We offer personal UK debt advice and help that you can rely on!

With such a variety of information, disinformation, advice and what is sometimes pure myth, it can be difficult to try and figure out what is actually good reliable personal debt help these days.

We have a work ethic that we are rightly proud of. We offer totally confidential advice on debt to people struggling through a very difficult and sometimes awkward part of their life. We do not take advantage of our clients when they are at their most vulnerable. We guide them and advise them how to clear debts the simplest and most economical way we can recommend. From students to pensioners we can and do help most people with debt management UK.

Personal debt affects different people in different ways because everyone has different circumstances and different lifestyles. We aim to find a solution for you which is tailored to suit your own set of circumstances and will hopefully align itself to your own lifestyle.

Firstly, remember that debt consolidation advice should not be costing you a single penny. If you have been offered advice at a cost, then perhaps you should walk away. We could be able to help you pay off all of your debts and you could obtain one affordable monthly repayment. We can also try to halt any interest charges that you may currently be being charged by store and credit cards through a debt management plan but this can not be guaranteed.

Individual Voluntary Arrangement or IVA
IVA or Individual Voluntary Arrangements have a fixed repayment period of no more than 60 months ending on a specific end date which you are aware of from the beginning. After this date, all your debts are usually cleared. In England and Wales, creditors have to freeze all further interest and charges by law (In Scotland an IVA is better known as a Trust Deed. Once you have made your final repayment, all outstanding debts are usually legally written off by your creditors.  Creditors are held to the agreed repayment amounts throughout an IVA and should not alter them.

Do you know that you have failed an IVA and wish to gain further help or advice.
or
Do you want more information about the alternatives to bankruptcy in England

If you would like to read our client testimonials in full please visit our client testimonial page for full details.

To find out if we can help you start to clear your debts, call 0800 018 3345 now!

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.

Employment problems whilst struggling with personal debt?

If you fear you are about to be made redundant or have recently lost your job, do not prioritise the repayments of your personal unsecured debts. For example, credit cards, personal loans, catalogues etc. You MUST make sure you pay your priority debts and repayments first, such as, Mortgage, Rent, Council Tax, Electricity, Gas, TV license. If you allow arrears to build up or bills for the home get out of control, you could end up losing your home or dwellings.

We help many people understand which bills need paying first and which should take a back seat for the time being, we are not saying that unsecured debts should be ignored, quite the opposite, however, with a little sound advice it is quite amazing how easily a personal debt problem can sometimes be solved.

If you fear you are about to be made redundant or need help regarding benefits available, their are many organisations that can help and offer UK debt advice.

Personal debt in the workplace can be very difficult to deal with. Others around you are most probably going through the very same feelings of stress and worry. Do not suffer alone, call our debt helpline in confidence and sleep peacefully tonight!

Call 0800 018 6868 FREE from a landline today, it only takes one call to start to clear a debt problem!

Credit Cards & Debt Help - IVA or Debt Management?

Credit cards are the biggest problem in most peoples financial arrears. Most of us try and keep up with the plastic before paying anything else, such as rent and mortgages! Yes, people are actually paying for their mortgages and their rent using their credit facilities. When we try and explain to vulnerable consumers that they must prioritise their debts by paying the most important first, they seem shocked as though the credit card companies will be upset.

An upset credit card company is much better than an eviction order from your landlord or your mortgage lender advising you that they are to repossess your home or ask you to vacate your rented dwellings.

We can't stress enough the importance of making the repayments on loans or other debts secured against your home.

Credit card companies only want you to pay the minimum on your credit card repayments, if you pay more than the minimum required you will be clear your debt and then you won't owe them any money, this is not good for your credit card company, however, it is the right direction for you!

The interest on credit cards is designed to increase not reduce, these companies are waiting for you to suffer a change in personal circumstances such as a death in the family, loss of job or less hours at work, split from partner or divorce. These changes in circumstance are not all ways negative unpleasant ones. A new baby or a wedding can easily set us back for years. The credit industry has a much clearer crystal ball than the vulnerable consumer. They can see your changes before you know you are due them. it is just the way credit companies work but please do not let them work you out of YOUR home!

For further information on how to clear credit card debt and other personal debt help, please call free using 0800 018 6868 or contact us online....

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 Companies Failing to Maximise! warns Uk Debt Management Specialist

IVA companies are finding it increasingly difficult to convince consumers to enter into an IVA.

Some companies push the IVA over other options available such as Debt Management or Bankruptcy. The consumer does not get a fair explanation and then the end result can be quite a shock for the person who has entered into the IVA.

Ability to borrow can be delayed for many years after the IVA has ended and certain restrictions can be very tiresome.

Debt management plans have been given a hard time with bad press over the years but it is quite amazing how many people prefer to take them and when operated by a good company those clients also complete the plans!

Lewis Alexander advise many people every day, help is available 24 hours, call free 0800 018 6868

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.

IVA & Debt Management Company call in Not Normal Media

Lewis Alexander Limited announced earlier today that the new 2008/9 advertising contract has been awarded to not normal Media, also known as Not Normal Limited of Manchester.

The 2008 campaigns will commence online and offline in March 2008 and run continuously until Jan 31st 2009.

The main focus of the campaigns will be on increasing the existing response from the DRTV success enjoyed since 2005. The main reason why Lewis Alexander are so successful in such high cost advertising mediums is due to vast experience of the current board of directors.

Managing Director, Richard Johnson said, " We are delighted with the news and selection of the not normal agency. We have been advised to acquire the agency to allow greater control of spend for Lewis Alexander, the agency does not have a vast client base so this approach seemed sensible considering the time they had scheduled the Lewis Alexander Account. We were mainly impressed by their quality not quantity approach. This will be a very exciting time for both companies and new clients should benefit from an ease of finding our services when most at need".

The cost per client acquisition for Lewis Alexander has ridiculed that of its IVA competition stated in the national press and the Debt Management arm of the business operates in perfect synergy with the loan brokerage and IVA department.

The advertising contract won by not normal media is said to be worth in the region of 1/4 Million GBP spend over the next 12 month period. Both companies have worked together briefly on new products for Lewis Alexander and see a mutually beneficial relationship ahead. The fee paid for not normal ltd remains undisclosed.

For further information on Lewis Alexander visit http://www.lewisalexander.com/

24Hr IVA & Debt Management helpline is LIVE!

Lewis Alexander are proud to anounce that since 1st January 2008 they have conducted a 24 hour advice solution for Uk consumers troubled by personal debt problems.

The main difference between this helpline and the other free charitable ones available is simple, the advors are funded by Lewis Alexander Limited therefore the advice is impartial of the credit companies most consumers owe.

The free charites are in the main funded by well known creditors.

Lewis Alexander operate this only with the absolute dedication of a committed team and are certain that after the initial trial period the helpline should remain open until further notice.

Call free using 0800 018 6868, your call will be dealt with in total confidence!

Insolvency Advice Uk

http://www.insolvencyadviceuk.co.uk/ Launched by Lewis Alexander Ltd IVA & debt help

Website design by not normal media