Debt counselling and debt consulting
If you think you need debt counselling or debt consulting, here is a brief debt problems checklist:
First, budget and reduce outgoings using a budget planner. Then, if you earn under £66,000, check to see if you are entitled to any form of government benefit.
Next, see if you can get help paying the mortgage? There are three government schemes specifically to help mortgage holders who are struggling to make monthly repayments. They range from an extra benefit to pay the interest for you, to a full rescue scheme where the local council buys some or all of your home then rents it back.
If you are in debt, it’s very likely some of it has been made up of charges which have unlawfully been taken from you. If you’ve incurred bank charges or credit card charges for going beyond your limits in the last 6 years you may be able to get the cash back and the same is true of mortgage exit fees.
It’s also possible you may be in one of 400,000 homes in the UK paying too much for your council tax. If you have any form of loan, it’s crucial to check whether you were missold the insurance that came with the loan. This could have cost you £1,000s, and you may be able to get it back.
Check the link for more detail on the above and for more useful information about debt.
In the meantime, if you need a personal loan, and you are thinking of selling personal valuables such as jewellery, watches, art and antiques, you might wish to consider getting a collateral loan instead.
You can get cash for valuable items like these from online pawnbroker, Borro.com. Collateral loan providers like Borro.com provide some of the most readily available short term loans in the market. In comparison to other short term loan providers such as UK pay day loan companies and doorstep lenders, a secured loan from Borro.com is a low interest rate loan.
You can pay off your loan when you want, with no hidden extra charges for early settlement, and you only pay interest during the actual period you use the loan. Compared with some of the alternatives, Borro.com provides fast cash and easy cash. It’s all done online, and the low rates on offer are surprisingly affordable.
With a collateral loan from Borro.com, there is never any risk of asset seizure, repossession or bad credit rating. For a cheap pawnbroker loan, try online pawn shop, Borro.com.
