We understand you're likely to be facing difficult decisions and might not want to leave your home. At DebtFC in West Lothian, we can help you achieve a fast property sale, release equity to ease your financial situation, and put a longer-term solution in place so you can remain living where you are.

Our approach is to be open and honest with you right from the start. Our business is about offering a guaranteed quick property sale, whereas an open-market sale with an estate agent could fetch a higher price. As long as you have some equity in your property, we can help you.

With our “sell and rent back” scheme in Scotland you can regain your financial control and you can start re-living life again and you do not have to leave your house, even for one day. The “sell and rent back scheme" at DebtFC can help you clear your debts whilst you remain living in your home. We act totally confidentially: Your neighbours, friends or extended family need never know that you have sold your house.

We can help you achieve the best cash offer for your sale subject to survey. We will then instruct an independent chartered surveyor, local to your area, to carry out a survey on our behalf. On receipt of the survey, providing the value isn't any different to what we based our offer for your property on we will then proceed to instruct our solicitors to act in the purchase of your property. Before completion of the sale, you will receive a standard tenancy agreement to sign which allows you to continue in the house exactly as you are now but without the hassle and pressure of a mortgage.

From the 1st July 2009 the F.S.A. introduced an Interim Regime where all companies offering a Rent Back Scheme had to be registered and regulated with the F.S.A. About 80 companies have registered for the Interim Permission to conduct the Rent Back scheme. The regulation was introduced to give more protection to clients who used the Sale and Rent Back scheme.

We at DebtFC only deal with F.S.A. registered providers of the Sale and Rent Back scheme. This provides our clients with assurances that they are dealing with a reputable company and gives our clients peace of mind that they will have security in their home while renting it back.

• A quick, easy sale to suit you.
  
• Pay off any debts, and get some cash in the bank.
  
• Sell and rent back for as long as you wish. Or move on somewhere else.
  
• No estate agent boards.
  
• No further mortgage repayments.
  
• No hidden costs.
  
• No viewings, offers, cancellations etc.
• Totally confidential - Nobody need know your business.

• You will not be the legal owners. However some people would say that if you had a mortgage on your property now or previously you didn't own it anyway -the bank did!
• Your property can be repossessed if you do not keep up the rental payments. 
• If you do own your own home and keep up the repayments at some point you will own it free and clear and all growth or equity is yours. This is not the case with a rental arrangement.

Debt consolidation is the process in which debt is restructured into one low affordable amount which you agree to pay. At DebtFC we offer a range of debt consolidation options Scottish protected trust deed, individual voluntary arrangement (I.V.A), remortgage, debt management plan, homeowner loan, sell and rent back or perhaps bankruptcy (sequestration in Scotland) our experienced debt consolidation team, will discuss your options and provide you with free debt help and debt advice on how to deal with your debt problems. We are based in Livingston, West Lothian, Scotland but help people throughout the UK.

If you recognise any of the following symptoms... then you need our debt help!

Credit card debts, missed loan repayments, creditors phoning, debt collectors, bailiffs, County Court judgements, bankruptcy, insolvency, mortgage arrears, repossession, robbing Peter to pay Paul, not opening the mail, afraid to open the door.
Our debt consolidation team will show you the options that you have available to get out of debt with one reduced, affordable monthly payment. For a NO OBLIGATION, FREE CONSULTATION, call or send the contact form for some friendly, free advice.