What Do I Do? Do I Qualify?

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How do I know if I will be able to take advantage of this service to help clear my debts?

What do I have to do first?

1.  Ok, what’s your current situation like? Do you have a number of credit cards, perhaps one or two store cards, and perhaps even a personal loan? Maybe more than one! Now ask yourself these questions:

·    Are you struggling with your monthly repayments?

·    Are the outstanding balances far more than you can really cope with?

·    Are you becoming more and more concerned about everything?

·    Would you like help in trying to resolve your debt problems?

If your answer is yes to any of these questions, then maybe we can help!

2.  Next, you need to identify all the different cards and loans you have. So, list them all out, one by one:

·     Credit Cards

·    Store Cards

·    Unsecured Loans

3.  Now, look at each one individually, and see if:

a.  It has an outstanding balance of more than £2,000 but less than £25,000, and

b.  The card or loan agreement was taken out before the 1st April 2007

c.  If the answer is NO to either of the above questions, then that particular card or loan cannot be considered. We can only consider cards or loans that satisfy both a) and b) above.

d.  Add up all the outstanding balances in order to see exactly what level of debt you have. If you have an unsecured or personal loan, then you will probably need to contact the loan company in order to obtain an outstanding balance.

4.  At this stage, it is important to understand that once you have entered into an agreement with Credit Issues, you must stop using any of the credit cards or store cards that are being taken into consideration.

5.  Equally, you must keep on paying the normal monthly payments, even though this will normally be the minimum monthly payment. This is very important.

6.  If you need to keep a credit card, just for normal day to day use, then ensure that at least one is put to one side and is not included in this service so that you can carry on using it.

How much is this going to cost me?

1.  It may not be as much as you think! Now that you know what your total indebtedness is, we can assess what the cost to you is going to be to use our service.

We can discuss this with you, but please consider how you are going to pay for this, and whether you have some money in your savings that will cover this. Perhaps you have funds in your current account which you are going to use, or maybe you have a separate credit card which you can use (remembering that this card can still be used by you as it will not be included in the service).

2.  We can discuss this with you very easily and even send you a form to help you work out the costs. So you can either do yourself or we can do it for you, whichever is easier.

3.  You will probably be pleasantly surprised when you realise how little it’s going to cost, particularly when you consider how much of your debt can potentially be wiped out.

4.  To have some idea of the costs - click here...

How long will it take for my debts to be cleared?

1.  Please bear in mind that this will not happen overnight! There is quite a lot that we need to do, and there is a precise process that has to be followed to ensure that your application is successful. Typically this can take anywhere from three to six months from start to finish. So you need to be patient.

You will be kept informed about what is happening on a regular basis, but if you do not hear anything for two or three weeks at a time, do not think that anything has gone wrong. It hasn’t. But the process is time consuming, so once again, please be patient.

2.  As stated above, it is important to understand that once you have entered into an agreement with Credit Issues, you must stop using any of the credit cards or store cards that are being taken into consideration.

3.  Don't forget that you must also keep on paying the normal monthly payments, even though this will normally be the minimum monthly payment. This is very important.

4.  And if you need to keep a credit card, just for normal day to day use, then ensure that at least one is put to one side and is not included in this service so that you can carry on using it.

What do I do next?

1.  Call us on 01823 251444 or send us an email by clicking on the Register Here button below to discuss your situation and see how we can help.

2.  We will then call or email you, whichever is more appropriate, and set the ball rolling in order to clarify everything. At this stage we should be able to determine what the level of your debt is, how many cards or loans you have that you what to include in this process, and how much our service is going to cost.

3.  If it looks like we can help, and we can demonstrate the amount of debt you could potentially wipe out, and (more importantly) you want us to help, then we can arrange a meeting to come and see you, go through everything and get you to sign all the relevant forms that will 'kick start' the whole process.

     From that point on, we will be working with one goal in mind... which is helping you to remove the suffocating cloud of debt that is having such an impact on your life.

     To see what's involved at our meeting - click here..

Debt Management

1.  Whether or not we can help with clearing your card and loan debts, we can also possibly help with a debt management program that’s tailored to your particular circumstances.

Call us to see if we can help.

Scorpio Connect Ltd is an Appointed Representative of Credit Issues Ltd.

Credit Issues Ltd specialise in consumer credit agreements therefore ensuring the best possible assessments. Credit Issues Ltd is regulated by the Ministry of Justice in respect of claims management activities. See www.claimsregulation.gov.uk

What have you got to lose?

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