Debt Problems? - How we can help you
Let Byrom & Keeley Financial Services help with your debt problems
- Struggling to pay credit or store cards, overdrafts or loans?
- Been refused a loan to consolidate your debt problems?
- Robbing Peter to pay Paul?
- Under pressure from creditors or debt collectors?
- Worried about the future?
The fact that you are looking at the Byrom and Keeley website shows that you have recognised your debt problem, and this is the most important thing that you can do to resolve your debt problem.
We understand the difficulty and anxiety struggling with debt can cause and want to help you find the best possible solution.
Our expert advice is friendly and given in the strictest confidence. Whatever your situation:
- we will take your individual circumstances and personal needs into account to solve your problem in the best way possible.
- we will ensure that you only pay what you can afford.
Alternatively, where your debts are short term or less serious, a debt repayment plan may be a better way forward for you.
'Your best option could be an IVA, where you make a monthly payment based on the amount you can afford, and which could, once agreed, freeze interest charges, stop creditors harassing you and set a tailored monthly payment amount over an agreed fixed period, usually 5 years.
I feel like I'm in a hopeless situation, can you really help?Debt becomes a problem when you are unable to settle your credit commitments on time. In most scenarios the seriousness of your debt problem is determined by the amount of debt you owe. However, this isn't always the case and getting confidential advice by talking to an unbiased and professional debt expert, such as ourselves, is crucial is solving your problem. The worst thing you can do is ignore the situation and hope it gets better. So the sooner you call us the quicker you could find yourself in control.
There are four main solutions to resolve your debt problem:
Sometimes the answer to an unsecured debt problem is a re-mortgage or other loan. Depending on your unique financial position, and your credit rating, either a re-mortgage or consolidation loan could be the answer that you are looking for. Always speak to a professional debt expert when you're considering further borrowing to make sure it is right for you and that you can afford it. When borrowing, always remember that your debts increase. This is a fact of life and there is no escaping from it.
If further borrowing is not the solution for you, you cannot obtain a loan, or you recognise that you have a debt problem and need to sort your debts out rather than borrowing more money, then the 3 remaining options are as follows:
- What you can do if you have debts over £15,000
- What you can do if you have debts between £5,000 and £15,000
- What you can do if your debts are less than £5,000
Further Information
About our service and fees:
Once you have discussed your circumstances with one of our expert advisers, they may recommend that you enter a debt solution. If you decide to enter a solution, there will be fees involved - at Byrom & Keeley, we are committed to providing the very best customer service. For more info on our fees,
click here.
Will I incur any charges if I cancel my plan?
You have a cancellation right which is sent out in the written information sent to you. You are also entitled to a 'cooling off' period, which ends seven working days after you receive your contract documents. If you change your mind during this cooling off period any monies paid will be returned to you with no charge being made. Outside of the Cooling off period you may cancel at any time and you will not incur any further charges.
How will it affect my credit rating?
Whilst on a Debt Management solution, your credit rating will be affected for a short period of time. It may also be affected in the medium to long term.
Call Byrom & Keeley
TODAY and let us help you:
New enquiries: FREEPHONE - 0800 298 2988
Existing customers: FREEPHONE - 0800 848 8484
Creditor line: FREEPHONE - 08000 435437