Thousands of people every day need help managing their finances and are finding it so difficult to juggle every day living expenses as well as struggling to make their regular payments to loans, catalogues and credit cards. At Credit and Loan we understand how hard it is to deal with debt problems and how difficult it can be to know where to go to find the right debt advice.
We can provide honest and confidential debt advice designed to help you to find the best way of dealing with your debts in a way that works for you and your own circumstances. Credit and Loan Management Ltd is a debt advice company, we do NOT offer loans of any kind.
We can provide honest and confidential debt advice designed to help you to find the best way of dealing with your debts in a way that works for you and your own circumstances. Credit and Loan Management Ltd is a debt advice company, we do NOT offer loans of any kind.
Services
What is a debt management plan? It's an informal agreement with your creditors to repay your debts back in full at a rate you can afford based upon our review of your personal circumstances. The payment is based on your level of unsecured debt and on the assumption that creditors will freeze interest and other charges.
Free debt counselling, debt adjusting and providing of credit information services is available from the Money Advice Service. We can provide advice to residents of England, Wales and Northern Ireland. If you are a Scottish resident the range of debt solutions are different and we will, with your permission, refer you to a specialist advice company that is well placed to identify the most appropriate solution for your circumstances.
We will take time to get to know you and understand your individual circumstances. This is really important to us as no two people are the same. We want to understand the problems you have faced because in doing so we can work with you to rebuild your financial future.
We will help you to budget and manage your money and in doing so, identify what is realistic for you to be able to pay towards your lenders, so that ultimately you have a plan to get out of debt.But it doesn't end there. We will take that journey with you. Once we've identified the best solution for dealing with your debts, we will be there to continue offering advice and guidance.
We will help you to budget and manage your money and in doing so, identify what is realistic for you to be able to pay towards your lenders, so that ultimately you have a plan to get out of debt.But it doesn't end there. We will take that journey with you. Once we've identified the best solution for dealing with your debts, we will be there to continue offering advice and guidance.
Accountant in Bankruptcy: this is the trustee who is appointed if you apply for sequestration. Acknowledgement of Service: if your lender is seeking a County Court Judgement, you will receive this document along with the claim form. It gives you an extra 14 days during which you can prepare your defence, if you are intending to defend (fight) the claim.
Credit and Loan Management Limited is authorised and regulated by the Financial Conduct Authority. A company registered in England and Wales. Registered No. 04514972. Registered Office address: Kemp House, 152-160 City Road, London, EC1V 2NX. If you proceed with a debt management plan we will charge you a monthly fee of 29.38, which will be deducted from your payments.
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