Debt Advice Centre in Hounslow
Sceptre House,75-81 Staines Road
Hounslow
Middlesex
TW3 3HW
Monday to Friday: 9:30am - 6pm
Saturday to Sunday: Closed
We have Cert -DR Qualified debt solution advice for right and proper debt advice,Our team is regularly trained in debt management practices.
How Can We Help
We believe that it's important that we help you find the best way to resolve your debt problems.
To do this we follow the following steps.
Before we can offer any help, we always make sure we understand your problem, so we will conduct full assessment of your financial situation.
You can forward all your Letters and Phone calls from your creditors to us. We will deal with it.
We do periodic review of your financial situations so we can increase or reduce your payments.
We know that debt is always a worst nightmare. We understand that in today's economic situation a change in financial circumstances, is not because people have been reckless or even careless but it is often the result of a change of circumstances such as: loss of income through job changes, divorce or separation, illness or death of a family member and other life changing events, can put almost anyone into serious financial trouble, much faster than even we think.Most of our clients contact us after attempting to keep up the repayments for a long period, but without success .
There usually comes a point when they realize that they have to take some unexpected action or they will never see an end to the phone calls and letters from the creditor they owe money too. Their debts are often increasing on a daily basis with added interest and charges and their payments are not actually reducing the balance.
A debt management plan will put you back into control without borrowing more money (experience shows that this can just make things worse). With only one payment to make and a realistic chance of getting your interest and charges frozen and no fees taken out, your debts will be repaid as quickly as possible.
In a Debt Management Plan (DMP), your debts are repaid to creditors on a pro-rata basis over an agreed period of time. This payment is determined by the amount you can reasonably afford after your normal cost of living has been deducted from your income, and will be presented to your creditors by us. Creditors are not obliged to agree to the Debt Management Plan, but they are more likely to accept it once they have been made properly aware of your true position.
Once your creditors have agreed to a DMP, it is your responsibility to continue paying the agreed payments to their administrator. Normally the debt management company who drafted the plan will ensure that these payments are distributed promptly, on a pro rata basis, to all creditors until the plan has been successful completed.
Each DMP should be regularly reviewed, especially to consider whether creditors would accept early settlement. Once a DMP is completed, you will be considered debt free and able to make a fresh financial start.
September 2005
TW3 3HW
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In a Debt Management Plan (DMP), your debts are repaid to creditors on a pro-rata basis over an agreed period of time. This payment is determined by the amount you can reasonably afford after your normal cost of living has been deducted from your income,
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An IVA is an agreement between the debtor and his/her creditors (people they owe money to) to pay all or part of their debts.Debtors make regular contributions to an authorised debt specialist called an ‘insolvency practitioner' (IP).