Remortgages

Debt Management IVA Advice in UK Opening Times: 10am - 9pm Mon-Sat Debt Solutions Home How Can We Help Frequently Asked Questions Contact Us Take the first positive step to a debt free life If you are struggling with your debts, there are a number of solutions available to you. To take the first step on the road to becoming debt free, complete the form below Debt Level ( ): Please Select 0 to 2, 500 2, 500 to 5, 000 5, 000 to 7, 500 7, 500 to 10, 000 10, 000 to 12, 500 12, 500 to 15, 000 15, 000 to 17, 500 17, 500 to 20, 000 20, 000 to 22, 500 22, 500 to 25, 000 25, 000 to 27, 500 27, 500 to 30, 000 30, 000 to 32, 500 32, 500 to 35, 000 35, 000 to 37, 500 37, 500 to 40, 000 40, 000 to 45, 000 45, 000 to 50, 000 50, 000 to 55, 000 55, 000 to 60, 000 60, 000 to 65, 000 65, 000 to 70, 000 70, 000 to 75, 000 75, 000 to 80, 000 80, 000 to 85, 000 85, 000 to 90, 000 Over 90, 000 Creditors: Please Select 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 IVA Debt Management Consolidation Loan A formal arrangement between yourself and the creditors. Write off up to 60% of your debts, over a 60 month (5 year) term. Your home is not at risk. Ideal for those with debt levels above 15, 000. Owed to more than 3 separate creditors. Must be in employment. An informal arrangement between yourself and the creditors. We will try to freeze intrest and reduce your unsecured debts. Ideal for those with debt levels between 4, 000 - 15, 000. Owed to more than 2 separate creditors. A consolidation loan to help consolidate your debts into one low monthly payment. Only available to home owners. Loan amount and repayment period is fixed. Receive your loan cheque within 5 days. Our interest rate is 9.3% APR Typical Variable (66% of our loans are at or under this rate) WARNING: THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. LOANS ARE SECURED ON YOUR HOME. Home | Advice | Information | Privacy Policy | Site Map 123 Debt Solutions Ltd, 31 Davenham Court, Childwall, Liverpool, L15 8GD, UK. Email: info@123debtsolutions.co.uk. Copyright 2007 All Rights Reserved 123 Debt Solutions Ltd. Debt Management and IVA Plans New for 2007 Data Protection Act 1998 registration number: Z9746355 | Company Registration Number: 6169935 Important: Entering into a debt management plan or individual voluntary arrangement will have an adverse effect on your credit rating and fees will be applicable. Debt Advice by experience debt advisors Creditors: Please Select 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Free Debt Advice We are here to help with all aspects of debt problems whether they be council, credit card or bank debts. Our case workers are experienced in helping with all situations. They will help you through the entire processes relevant to your personal circumstances. Rest assured we are regulated very heavily by the OFT and other governing bodies. We practice a best practice advice solution model and as such ensure that each and every indivisual we help is offered the very best service. If you wish to speak to an advisor please complete the enquiry form, and an advisor will telephone you at your convenience. Home | Advice | Information | Privacy Policy | Site Map 123 Debt Solutions Ltd, 31 Davenham Court, Childwall, Liverpool, L15 8GD, UK. Email: info@123debtsolutions.co.uk. Copyright 2007 All Rights Reserved 123 Debt Solutions Ltd. Debt Management and IVA Plans New for 2007 Data Protection Act 1998 registration number: Z9746355 | Company Registration Number: 6169935 Important: Entering into a debt management plan or individual voluntary arrangement will have an adverse effect on your credit rating and fees will be applicable. Opening Times: 10am - 9pm Mon-Sat Debt Solutions Home How Can We Help Frequently Asked Questions Contact Details Your Full Name: House No. and Postcode: Contact Number: Mobile/Alternative Number: Best Time to Call: Please Select ASAP Morning Afternoon Early Evening Late Evening Anytime Email Address: Financial/Personal Details Homeowner: Yes No Estimated Property Value: Please Select 60, 000.00 65, 000.00 70, 000.00 75, 000.00 80, 000.00 85, 000.00 90, 000.00 95, 000.00 100, 000.00 105, 000.00 110, 000.00 115, 000.00 120, 000.00 125, 000.00 130, 000.00 135, 000.00 140, 000.00 145, 000.00 150, 000.00 155, 000.00 160, 000.00 165, 000.00 170, 000.00 175, 000.00 180, 000.00 185, 000.00 190, 000.00 195, 000.00 200, 000.00 205, 000.00 210, 000.00 215, 000.00 220, 000.00 225, 000.00 230, 000.00 235, 000.00 240, 000.00 245, 000.00 250, 000.00 255, 000.00 260, 000.00 265, 000.00 270, 000.00 275, 000.00 280, 000.00 285, 000.00 290, 000.00 295, 000.00 300, 000.00 305, 000.00 310, 000.00 315, 000.00 320, 000.00 325, 000.00 330, 000.00 335, 000.00 340, 000.00 345, 000.00 350, 000.00 355, 000.00 360, 000.00 365, 000.00 370, 000.00 375, 000.00 380, 000.00 385, 000.00 390, 000.00 395, 000.00 400, 000.00 405, 000.00 410, 000.00 415, 000.00 420, 000.00 425, 000.00 430, 000.00 435, 000.00 440, 000.00 445, 000.00 450, 000.00 455, 000.00 460, 000.00 465, 000.00 470, 000.00 475, 000.00 480, 000.00 485, 000.00 490, 000.00 495, 000.00 500, 000.00 Outstanding on Mortgage: Please Select 0.00 5, 000.00 10, 000.00 15, 000.00 20, 000.00 25, 000.00 30, 000.00 35, 000.00 40, 000.00 45, 000.00 50, 000.00 60, 000.00 70, 000.00 80, 000.00 90, 000.00 100, 000.00 110, 000.00 120, 000.00 130, 000.00 140, 000.00 150, 000.00 160, 000.00 170, 000.00 180, 000.00 190, 000.00 200, 000.00 Current Living Status: Please Select Council Tenant Private Tenant Living with Parents Total Unsecured Debts: Please Select 0 - 2, 500 2, 500 - 5, 000 5, 000 - 7, 500 7, 500 - 10, 000 10, 000 - 12, 500 12, 500 - 15, 000 15, 000 - 17, 500 17, 500 - 20, 000 20, 000 - 22, 500 22, 500 - 25, 000 25, 000 - 27, 500 27, 500 - 30, 000 30, 000 - 32, 500 32, 500 - 35, 000 35, 000 - 37, 500 37, 500 - 40, 000 40, 000 - 42, 500 42, 500 - 45, 000 45, 000 - 47, 500 47, 500 - 50, 000 50, 000 - 52, 500 52, 500 - 55, 000 55, 000 - 57, 500 57, 500 - 60, 000 60, 000 - 62, 500 62, 500 - 65, 000 65, 000 - 67, 500 67, 500 - 70, 000 70, 000 - 72, 500 72, 500 - 75, 000 75, 000 - 77, 500 77, 500 - 80, 000 How many creditors do you have Please Select 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Monthly Income: (After Tax) Monthly Expenditure: Employment Status: Please Select Full-Time Employed Part-Time Employed Self-Employed Company Director Unemployed Student Brief Debt History: Verification: Home | Advice | Information | Privacy Policy | Site Map 123 Debt Solutions Ltd, 31 Davenham Court, Childwall, Liverpool, L15 8GD, UK. Email: info@123debtsolutions.co.uk. Copyright 2007 All Rights Reserved 123 Debt Solutions Ltd. Debt Management and IVA Plans New for 2007 Data Protection Act 1998 registration number: Z9746355 | Company Registration Number: 6169935 Important: Entering into a debt management plan or individual voluntary arrangement will have an adverse effect on your credit rating and fees will be applicable. Debt Management Application Email Address: Financial/Personal Details Homeowner: Yes No Estimated Property Value: Please Select pound60, 000.00 pound65, 000.00 pound70, 000.00 pound75, 000.00 pound80, 000.00 pound85, 000.00 pound90, 000.00 pound95, 000.00 pound100, 000.00 pound105, 000.00 pound110, 000.00 pound115, 000.00 pound120, 000.00 pound125, 000.00 pound130, 000.00 pound135, 000.00 pound140, 000.00 pound145, 000.00 pound150, 000.00 pound155, 000.00 pound160, 000.00 pound165, 000.00 pound170, 000.00 pound175, 000.00 pound180, 000.00 pound185, 000.00 pound190, 000.00 pound195, 000.00 pound200, 000.00 pound205, 000.00 pound210, 000.00 pound215, 000.00 pound220, 000.00 pound225, 000.00 pound230, 000.00 pound235, 000.00 pound240, 000.00 pound245, 000.00 pound250, 000.00 pound255, 000.00 pound260, 000.00 pound265, 000.00 pound270, 000.00 pound275, 000.00 pound280, 000.00 pound285, 000.00 pound290, 000.00 pound295, 000.00 pound300, 000.00 pound305, 000.00 pound310, 000.00 pound315, 000.00 pound320, 000.00 pound325, 000.00 pound330, 000.00 pound335, 000.00 pound340, 000.00 pound345, 000.00 pound350, 000.00 pound355, 000.00 pound360, 000.00 pound365, 000.00 pound370, 000.00 pound375, 000.00 pound380, 000.00 pound385, 000.00 pound390, 000.00 pound395, 000.00 pound400, 000.00 pound405, 000.00 pound410, 000.00 pound415, 000.00 pound420, 000.00 pound425, 000.00 pound430, 000.00 pound435, 000.00 pound440, 000.00 pound445, 000.00 pound450, 000.00 pound455, 000.00 pound460, 000.00 pound465, 000.00 pound470, 000.00 pound475, 000.00 pound480, 000.00 pound485, 000.00 pound490, 000.00 pound495, 000.00 pound500, 000.00 Number of Creditors: Please Select 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Monthly Income: Monthly Expenditure: Employment Status: Please Select Full-Time Employed Part-Time Employed Self-Employed Company Director Unemployed Student Marital Status: Please Select Single Married Divorced Widowed Separated Living Together Brief Debt History: Home | Advice | Information | Privacy Policy | Site Map Opening Times: 10am - 9pm Mon-Sat Debt Solutions Home How Can We Help Frequently Asked Questions Contact Us Apply for a consolidation loan here Contact Details Title: Mr Mrs Miss Ms Dr Your Forename(s): Your Surname: House No. and Postcode: Contact Number: Mobile/Alternative Number: Email Address: Best Time to Call: Please Select ASAP Morning Afternoon Early Evening Late Evening Anytime Financial/Personal Details Loan Amount: Please Select 2, 500 5, 000 7, 500 10, 000 12, 500 15, 000 17, 500 20, 000 22, 500 25, 000 35, 000 45, 000 55, 000 65, 000 75, 000 85, 000 95, 000 105, 000 115, 000 125, 000 135, 000 145, 000 Current Living Status: Please Select Council Tenant Private Tenant Living with Parents Monthly Rent/Mortgage Payment: Monthly Income: Monthly Expenditure: Employment Status: Please Select Full-Time Employed Part-Time Employed Self-Employed Company Director Unemployed Student Marital Status: Please Select Single Married Divorced Widowed Separated Living Together Frequently Asked Questions Creditors: Please Select 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15+ Frequently Asked Questions

1. What is debt management
2. Is my home at risk in a debt management plan
3. Can I get a loan if I don't own a home
4. What if I have CCJ's, Defaults, Adverse Credit
5. What is an IVA
6. What will an IVA cost
7. Will I lose my home in an IVA
8. Is an IVA registered on my credit file
9. What are the advantages and disadvantages to an IVA

1: What is debt management Answer : It is possible to organise your own debt management plan with your creditors, however, it is usually more effective to use a company experienced in managing debts on behalf of individuals to liase with the creditors and ensure they understand the pressures their clients may be under and arranges a more suitable affordable monthly payment in accordance with what you can afford to pay. Not what they request that you pay! 2: Is my home at risk in a debt management plan Answer : The short answer is potentially, although we will do all we can to help the creditors avoid this course of action. We will keep you up-to-date in all correspondence and rest assured we work tirelessly on behalf of all our clients. 3: Can I get a loan if I don't own a home Answer : Yes, we would recommend an unsecured loan. Please apply via the following form and we will ensure the best practice advice solution is offered to suit your personal circumstances. 4: What if I have CCJ's, Defaults, Adverse Credit Answer : No problems. Believe it or not almost all our clients have some sort of adverse credit. Our arrangements are designed to help individuals with poor credit. Remortgages Re Mortgage Re to request a free consultation with an experienced advisor. 5: What is an IVA Answer : An IVA, or Individual Voluntary Arrangement, is a formal contract between you and your creditors. It is an alternative to bankruptcy. The term is usually set at 60 months (5 years). We will advise you with this proposal and complete all necessary paper work on your behalf. 6: What will it cost Answer : Absolutely nothing... We are paid by the creditors out of your monthly payment and do NOT under any circumstances request any fees for our services from our clients. 7: Will I lose my home in an IVA Answer : No.. An IVA was designed to enable an individual to avoid bankruptcy and keep their home and job. You may have to release some equity from your property in the arrangement, however, this will be clearly laid out in the proposal. 8: Is an IVA registered on my credit file Answer : Yes. However once the IVA is completed it can be looked at favourably as you will receive a certificate of successful completion showing that you have made a commitment to clearing as much of your debt as possible. Remortgages Re Mortgage Re to request a free consultation with an experienced advisor. 9: What are the advantages and disadvantages to an IVA Answer : Please Remortgages Re Mortgage Re to review the advantages disadvantages of an IVA. Home | Advice | Information | Privacy Policy | Site Map Debt Information to help wipe debt Creditors: Please Select 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Free Debt Management IVA Information Below are many pages of information on all aspects of debt problems. Please feel free to contact a specialist advisor anytime Mon-Fri 10am-9pm via our enquiry form.

• What do I do if I can't pay my debts
• Dealing with bailiffs
• Where do I find a Financial Advisor to speak to
• Debt Consolidation Help - Where is the best place for help
• Credit Card Debt Management - How I used it to my advantage.
• How can a Trust Deed help me

How can we help Creditors: Please Select 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15+ How can we help

• We can try to reduce your outgoings and debts.
• Reduce the amount you owe by up to 60% in an iva.
• We will try to reduce your repayment period.
• We will try to reduce your monthly repayment.
• FREE initial debt advice, help and support.
• We will try to help stop, reduce or freeze interest where possible.
• We will send you monthly updates on payments made and information received.
• Stop all contact from your creditors.
• Stop court or bailiff action.
• Have an appointed staff member deal with your case from start to finish.

Asking for help is always difficult and we know and understand this. We will work closely with you to make this process as simple as possible. Our primary aim is to give you a debt free life as quickly as possible. To allow us to find a solution that best suits your needs please "begin the qualification assessment" above. Home | Advice | Information | Privacy Policy | Site Map 123 Debt Solutions Ltd, 31 Davenham Court, Childwall, Liverpool, L15 8GD, UK. Email: info@123debtsolutions.co.uk. Copyright 2007 All Rights Reserved 123 Debt Solutions Ltd. 123 Debt Solutions - Confidential Advice - Privacy Policy Creditors: Please Select 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Privacy Policy Introduction 123 Debt Solutions respects each individual s right to personal privacy. We will collect and use information through our Web site only monebaggasse