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Other Added - Debt Advice and Secured Loans
Technology has been able to change our lives incrementally and sometimes drastically. According to Chanaron & Jolly (1999), this impact is more pronounced on businesses, as computers and other technologies are here and not going any time soon. The proliferation of technology in products and services show an insight into how many companies across industries are investing in technology (Papers4you.com, 2006). This insight provides a lesson for managers on how to run and grow a business in a volatile and competitive market place. This has resulted in the rise of electronic businesses across the globe in the last decade.
The Consumer Credit Counselling Service
Whereas the CAB deals in general advice the Consumer Credit Counselling Service (CCCS) specifically deals with coping with bad debt - so is ideally placed to offer advice on Secured Loans. Although it is physically less accessible than the CAB, as it only has eight operational c
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Although Secured Loans have their place in the mainstream market and in certain circumstances can be useful for high value, long term, quick turnaround loans for people with good credit ratings they are typically used by people who have struggled to extend their credit using conventional means. This article discusses the organisations that an Individual can turn to if they experience bad debt problems. It is also advisable that people with adverse credit talk to at least one of these organisations prior to taking out a secured loan.
The Citizens Advice Bureau
At the time of writing the Citizens Advice Bureau, funded by charity, has around 21,000 volunteers offering advice on the telephone, on the Internet at http://www.adviceguide.org.uk/ or at its 3,400 Surgeries spread across the UK. The Citizens Advice Bureau is no stranger to dealing with people looking at Secured Loans and last September produced a comprehensive report detailing what it saw wrong with the selling of Payment Protection Insurance (PPI) for Secured Loans. At the same time it lobbied the FSA, OFT and one of the Treasury committees to get a better deal with consumers for insurance. As recently as May 2006 it also produced a report entitled ‘Deeper In Debt' which discussed the problems their clients faced when coping with debt.
One of the major advantages CAB has over other Debt counselling advisers is their accessibility. You can literally just pick up the phone for a quick chat or just pop into one of their local advice centres. The CAB also has a very detailed website that contains a Frequently Asked Questions section, advise on how to cope with Debt, where to get the best deals on credit, how to give yourself a financial health check and where to go for further advice. The CAB is also renowned for its fact sheets and with regards to Secured Loans produces them for advice about County Court Judgements, Mortgage arrears, negotiating with creditors and provides a jargon buster. It also has a series of sample letters that can be used to help getting debts suspended or used to negotiate a re-payment plan.
The Consumer Credit Counselling Service
Whereas the CAB deals in general advice the Consumer Credit Counselling Service (CCCS) specifically deals with coping with bad debt - so is ideally placed to offer advice on Secured Loans. Although it is physically less accessible than the CAB, as it only has eight operational ce
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The Citizens Advice Bureau
At the time of writing the Citizens Advice Bureau, funded by charity, has around 21,000 volunteers offering advice on the telephone, on the Internet at http://www.adviceguide.org.uk/ or at its 3,400 Surgeries spread across the UK. The Citizens Advice Bureau is no stranger to dealing with people looking at Secured Loans and last September produced a comprehensive report detailing what it saw wrong with the selling of Payment Protection Insurance (PPI) for Secured Loans. At the same time it lobbied the FSA, OFT and one of the Treasury committees to get a better deal with consumers for insurance. As recently as May 2006 it also produced a report entitled ‘Deeper In Debt' which discussed the problems their clients faced when coping with debt.
One of the major advantages CAB has over other Debt counselling advisers is their accessibility. You can literally just pick up the phone for a quick chat or just pop into one of their local advice centres. The CAB also has a very detailed website that contains a Frequently Asked Questions section, advise on how to cope with Debt, where to get the best deals on credit, how to give yourself a financial health check and where to go for further advice. The CAB is also renowned for its fact sheets and with regards to Secured Loans produces them for advice about County Court Judgements, Mortgage arrears, negotiating with creditors and provides a jargon buster. It also has a series of sample letters that can be used to help getting debts suspended or used to negotiate a re-payment plan.
The Consumer Credit Counselling Service
Whereas the CAB deals in general advice the Consumer Credit Counselling Service (CCCS) specifically deals with coping with bad debt - so is ideally placed to offer advice on Secured Loans. Although it is physically less accessible than the CAB, as it only has eight operational c
Student loan consolidation program is popular among those students who wish to combine their unsettled obligations into a loan. Nowadays, government in most countries offers Student loans in supports for the payment of their expenses in colleges and universities.This program aims to help the borrowers in paying the cost of their education in low interest rates depending on one's credit and financial status. The consolidated loans have a fixed monthly interest rate for the entire duration.The parent and the student shall consolidate their loans separately. They cannot combine their loans, because the same pers
One of the major advantages CAB has over other Debt counselling advisers is their accessibility. You can literally just pick up the phone for a quick chat or just pop into one of their local advice centres. The CAB also has a very detailed website that contains a Frequently Asked Questions section, advise on how to cope with Debt, where to get the best deals on credit, how to give yourself a financial health check and where to go for further advice. The CAB is also renowned for its fact sheets and with regards to Secured Loans produces them for advice about County Court Judgements, Mortgage arrears, negotiating with creditors and provides a jargon buster. It also has a series of sample letters that can be used to help getting debts suspended or used to negotiate a re-payment plan.
The Consumer Credit Counselling Service
Whereas the CAB deals in general advice the Consumer Credit Counselling Service (CCCS) specifically deals with coping with bad debt - so is ideally placed to offer advice on Secured Loans. Although it is physically less accessible than the CAB, as it only has eight operational c
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The Consumer Credit Counselling Service
Whereas the CAB deals in general advice the Consumer Credit Counselling Service (CCCS) specifically deals with coping with bad debt - so is ideally placed to offer advice on Secured Loans. Although it is physically less accessible than the CAB, as it only has eight operational c
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The Consumer Credit Counselling Service
Whereas the CAB deals in general advice the Consumer Credit Counselling Service (CCCS) specifically deals with coping with bad debt - so is ideally placed to offer advice on Secured Loans. Although it is physically less accessible than the CAB, as it only has eight operational centres, it does provide a free phone number - 0800 138 1111 - where you can get specific and immediate advice. For those who don't like talking to someone in person they can also be contacted via email the address of which can be found at http://www.cccs.co.uk/contact/contact.htm
Perhaps it is the sign of the times that the CCCS founded at one centre in Leeds in 1993 grew to four centres in 1996 and now have eight dedicated centres and two satellite sites, one in Northern Ireland and one a partnership with Direct Debt Line in East Sussex.
The CCCS is a registered charity and is fully funded by the Credit Industry. As is the case with the Citizens Advice Bureau it has a website that provides full details on how to cope with mounting debt problems. Unlike the CAB it is specifically targeted at people with financial difficulties.
The National Debt Line
The National Debt Line was set up in 1987 to provide purely telephone self-help guidance for people with credit and debt problems. All their advice is free, confidential and entirely independent and they can be contacted on 0808 808 4000. The National Debt Line is funded by the charity Money Advice Trust that is in turn funded primarily by the large players in the credit and finance sector. Most of these are also some of the larger players in the Secured Loans market like Barclays, GE Capital Bank, Lloyds and Paragon.
National Debt Line will also provide on request a selection of Self-Help packs and fact sheets most of which are relevant to someone looking for a Secured Loan. As the service is telephone based their website is limited to information about the Agency only.
Conclusion
If anyone is struggling against debt and needs credit advice prior to taking out a secured loan it is advisable to contact one of these organisations. The Citizens Advice Bureau because of its easy accessibility may be the best place to start, but for specific advice on taking out loans and whether there is another way of doing thi
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