Mr S from Dundee, was unable to work through ill health by the time his health recovered and he found a new job unfortunately on a much lower salary, he was already well behind with his credit commitments.

He took out consolidation loans, but soon found he was unable to keep up the repayments on those. By this time his unsecured debts totalled in excess of £56,000 and he was paying £1420 per month. Mr S, is now in a Scottish Protected Trust Deed and only pays £200 per month for 36 months, writing off £48,800 off debt.

Mr P, from the West Midlands, found credit very easy to obtain and enjoyed a comfortable lifestyle with foreign holidays each year and nice cars and with two wages coming in he thought he could comfortably meet the payments on his credit cards.

But following a divorce and the loss of his wife’s income the payments became too much for him and he was shocked to discover that his debts had spiralled to £87,000. He contacted us and he is now in an IVA, He pays £560 per month, and all his debts will be written off after 5 years.

"Everything is now in place and my Trust Deed is now protected. Many thanks for all you have done to help me in this - I can now sleep at nights without the constant worry of creditors hounding me".

"Due to financial difficulties, we faced the prospect of losing our home through repossession and also of being made bankrupt by one of our creditors.

Nobody would help, our mortgage lender and secured loan lender would not negotiate and neither would our other creditors, even though our personal circumstances had improved.

DebtFC took our case on and with patience, understanding and a lot of hard work they were able to remortgage us, negotiate with our creditors, various solicitors to prevent us from losing our home and from being made bankrupt. Not only were they able to do this for us but they also reduced our monthly outgoings by over £600".

Mr and Mrs N from Fife wished to purchase their council house but unfortunately they were unable to as they had council tax arrears.

DebtFC managed to obtain a loan for them to clear their arrears and a mortgage that enabled them to purchase their council house and consolidate their existing debts reducing their outgoings by over £300.

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.