We are a licensed Debt Management Company offering Debt Advice IVA's Sale & Rent Back Claims Management Financial Coaching Life Coaching. Wherever you live in the UK we can help you solve your debt problems. Our sister company Assured Mortgage Solutions can offer mortgage advice, life insurance, general insurance and building and contents insurance as well as wealth management. ... ... ...

The truth behind debt fee free charities !

Debt Management - The Truth Behind Debt Fee Free Charities !Mansfield 103.2 FM Debt Doctor Team Explain“We often get asked by our clients how our services work. Why do we charge a fee and why should they use ourselves rather than a supposed fee free debt charity such as Payplan or CCCS” explains Mansfield 103.2 FM’s Resident Debt Doctor Lee Dunville at A.M.S.A very interesting thing for our readership to understand is to know how these debt charities are funded and some of the tactics that the major banks are using. Below is an exert from CCCS , a leading UK Debt Charity, own website."We are funded and supported almost entirely by the credit industry. It is this unique mechanism that allows us to provide our services totally free to consumers. All funding is provided as a voluntary contribution by these organisations and reflects the value they attribute to the help and support we provide households in the UK, the charity's beneficiaries"So clients that are falling behind with their payments are being sent sympathetic letters from the likes of Barclaycard etc recommending that they visit a debt charity such as Payplan or CCCS.....that they fund ! Now why would they want to do that? Get more of their money back, keep interest adding to the debt......you can make up your own minds.At AMS we charge a fee but that fee is not added to the debt, it comes from the negotiations with the creditors, the client DOES NOT pay this fee on top. That fee is the lowest that we have found in the UK just 10% compared to a UK average of 15% that's why we work with the National partners we have chosen and on top of this until the creditor agrees to freeze interest payments no payments are made as that would mean our clients remaining in debt for far, far longer. Now who’s interest is that in to keep a client in debt.......yes you have guessed it, the credit industries ! We reduce monthly payments to what our clients can really afford and we give our clients a guaranteed debt free date. In all of the fee free debt charities websites we cannot find one single reference to a guaranteed debt free date.....not one. explained Nic Eatch Co Director at AMS. Of course the creditors need to be and should be looked after; it is their money that is owed afterall BUT what about the client? Surely the job of a debt management company is to get a client out of debt as soon as is possible by offering the very best advice and approach to their personal situation. We give ALL of our clients a guaranteed debt free date that is written into their debt management plan. All our clients then have to do is to make sure they pay their vastly reduced payments on time.Interestingly last week we had a creditor that accepted a negotiated offer on an outstanding debt and wrote to us confirming this. One week later that same creditor had written to our client saying words to the effect that they had never heard of us or from us and they wanted their money back immediatedly !!! Just some of the tactics used by the credit industry to recoup outstanding debt. So do you want to be looked after by a debt management company that is funded by the credit industry or one that is truly fighting your corner. The Citizens Advice Bureau will send you to the former......why heaven knows. Make a stand and go for independence and let us at AMS fight your corner.So thanks for listening - don't forget to listen to 103.2 FM at 9.20am every Wednesday to the Debt Doctor and thanks in advance for spreading the word. Below is what one of our Customers recently wrote about us :The debt i had was getting me so down and from having a bad experience with a debt management company a few months before i was unsure about trying a new one. I called AMS because they were local to me and they were really helpful, they had someone out to my house the next day to discuss what they could do to help me and when he left i felt reassured. It was all set up for the next month and i am still on it today. AMS are really helpful when you ring with a problem i.e. received a threatening letter from a debt collector, there always there to reassure and keep you updated on your file. would definitely recommend to anyone with money struggles. I now sleep at night :) Miss K from Hucknall

Credit Card Debt on The Debt Doctor This Wednesday

Hi Everyone,Don't forget to listen out to the Debt Doctor on Mansfield Radio 103.2FM this Wednesday the 3rd of February at 9.30a.m. This week we will be looking at all things with regard to credit cards. What are some of the best deals in the market, how best to use credit cards and how to avoid the misery of credit debt when things start to go wrong and the balance transfer options dry up. The programme is recorded on a Tuesday and goes out on Wednesday so don't forget to e-mail in your questions if there are any specific things that you would like us to cover here at AMS. http://www.what-prepaid-card.co.uk/A great thing you could do is to sign upto to Equifax (the link is on this site) and you can then get access to exactly what are the very best credit card options for you at this time. For our clients that we help with a tailored debt management plan there are also pre-paid credit cards available which help our clients to keep some form of credit going whilst they are in their debt management plan and we can start to help rebuild their credit file. If you don't get chance to hear the show the entire back catalogue of audios will be stored on this site. Thanks for listening to the AMS debt doctor team.

What s around the corner

So what is around the corner? The truth is nobody knows but sometimes life just throws you a curve ball. I was talking to a very dear and brave friend today who around a year ago was diagnosed with cancer. The fantastic thing is that they looked a million dollars today and when I asked them how they had done this they said they had been working on their brain. Almost telling themselves the things that they needed to tell themselves on a daily basis........but on a really deep level. What struck me apart from their fantastic attitude and spirit was how life can throw us a financial curveball and it got me thinking of how many people are ready for this curveball God forbid. If illness strikes how many of us have got the correct levels of cover in place, mortgage protection, income protection, health protection. For some people it's like a game or Russian roulette whilst other try and consolidate their debt by trying to maximise on credit card balance transfers options (me included may I add). The golden rule is why pay interest if you can get a zero per cent deal and this is absolutely spot on but when life throws you a curveball sometimes that debt can be very difficult to consolidate. Particulary if the curveball is a long and serious one.My friend was doing exactly the right thing in my opinion thinking right (not crookedly) but how many of us need to talk to ourselves about our finances and to make sure we have the right cover in place. I have a friend in Bulwell in Nottingham, (which is in North Notts) and they always say to me "Mate - It's better to have it and not need it than need it and not have it !". They are right I know they are but for lots of people that means making some difficult choices when it comes to dividing up the household income. Another friend of mine who lives over at West Bridgford in Nottingham said to me that he reckons that one of the things that will happen due to the credit crunch is people will think long and hard about their lifestyle choices. He could be right but I wonder if that will flow through to insurance cover? I'm not sure but I do know it made me stop to think. Next time.PS If you have any reviews that you want to give as well on any aspect of our site or service please click on the link attached and give us some feedback, especially from our clients. We always love to hear from you. http://www.freeindex.co.uk/wr.htm?id=236340&br=1

Specialist Services

At Assured Money Solutions Mansfield 103.2 FM's resident Debt Doctor Team, based in Nottinghamshire, we are totally committed to helping you through the misery of debt to a bright and more positive future. Unlike most other debt management companies we have two things which completely separate us from the rest; 1. We are a local service to Nottinghamshire and we have the best interests of all of our clients to heart, because we are local this means that our professional debt counsellors can meet

Trade Bodies / Associations

Assured Money Solutions Ltd registered in England & Wales Company Reg No 6962521 and registered with the Data Protection Act No Z1886642. Assured Money Solutions is registered with the Office of Fair Trading 632569/1 Assured Money Solutions Ltd is Registered with the Ministry of Justice in respect of Regulated Claims Management Activities. License number CRM 21773

Trading Since

2005