Credit references agencies – the largest in the UK is Experian – collate information about your financial background and past behaviour and format this data into your unique credit report.

Click here to see your Experian credit report online for FREE

Lenders see this information when they decide whether or not to offer you a loan, mortgage or credit card. It influences their assessment of the likelihood that you will repay them.

Information comes from two main sources:

• Public records, such as court judgements, individual voluntary arrangements and bankruptcies. Your credit report also shows whether you are registered to vote – lenders use this as a precaution against fraud, to check that you are who you claim to be and live where you say you do.

• Information from lenders and financial institutions, such as records of the number of loans you have and whether you have ever missed a repayment.

It’s important that all this information is as up to date as possible and correctly reflects your circumstances. Then lenders will make the best-informed decisions – and you will get the right deal.

The easy way to check your credit report is to log onto CreditExpert, the credit monitoring and identity protection service from Experian.
Click here for a free 30-day trial which allows you to see your credit report as often as you like.

WHY CHECK YOUR CREDIT REPORT?

If anything in your report is out of date or gives a misleading picture of your willingness or ability to repay a loan, mortgage or credit card, it can affect your chances of getting the best deals. It can even lead to outright rejection by lenders.

For example, you may have separated from a partner who has since run up debts but, because you have still got a joint account, his or her payment behaviour could be affecting you. You won’t see their credit data on your report but you will find a note of any financial association.

Or you may have shopped around for the best offer, without realising your enquiries have been registered as multiple applications. These should show as quotation searches. If they are down as applications, lenders could think you are desperate for money, have over-extended yourself or even that a fraud is being planned.

You could even discover applications and credit accounts in your name that you did not ask for. In that case, your identity may have been used fraudulently.

The easy way to check your credit report is to log onto CreditExpert, the credit monitoring and identity protection service from Experian. If you find anything you disagree with or would like to clarify the circumstances surrounding an entry, CreditExpert will help you to put the record straight.

Click here for your FREE Experian credit report

Are you looking to find a payday lender not broker?

As a payday loan broker, Larry is able to search multiple payday lenders at the same time meaning that you only have to fill out one form for an online payday loan.

With a payday lender you will have to fill out an individual form every time you make an application.  Therefore, brokers or broker services can save you time and not always cost you any more in fees.

• Larry the Loan Broker does not charge UPRONT FEES!
• Larry earns if you are successful in obtaining a loan and is paid directly by the respective lender.
• This does not cost you more as the lender covers this cost across all loan agreements they make.
• A broker may be a better choice!

If you need a payday loan, it is wise to consider first if the loan is for a purchase that cannot wait until payday! If you take on a payday loan and find that by pay day (when your loan is due for repayment) you have insufficient funds to repay the loan, you will incur high charges and possibly struggle to clear the loan at all in a reasonable period of time.

Please remember that a payday loan is meant to be repaid by your next payday following the date that you took out the loan.  Most people continue to struggle on moving from one payday lender or payday loan broker to another.

• Why does this happen?

This usually happens because of what was mentioned above regarding how an individual can encounter another unexpected cost prior to payday, within the same  month of taking out the payday loan. This means repayment becomes very difficult unless your income has also increased that month!

• For advice and help regarding payday loan brokers please call us FREE from a land line in confidence using 0800 118 2345, out lines are open 24 hours a day, 7 days a week.

Nearly half of employed England is struggling until the next payday!

It is reported today that approximately 45% of Brits are struggling to make ends meet until payday.  Payday loans are often considered as short term solutions but they more often than not become long term problems.

This is because some people consider a payday loan to be a long term financial solution.  It’s NOT!

It can be a short term solution but if you suffer a change in circumstance before repaying the payday loan company, you may find that you are unable to repay the payday loan you borrowed.

The high rates of interest or APR’s shown by most payday lenders reflect the short term repayment nature of the particular loan. It is because the repayment period is so short that the APR / Interest shows to be so high, if stretched out over a longer period these loans would not seem so high when APR / interest terms are quoted.

Some 7% of us are estimated to apply for a payday loan over the next 12 months.  This is a staggering statistic when you consider what percentage of the UK population is actually in work.

People who require a payday advance should be in part or full time employment and usually be earning a minimum of £700-£850 per calendar month. Other criteria do apply and differs from lender to lender.  Most require that you have a UK bank account and valid debit card along with work and home phone numbers.

Payday loans can help out in emergency situations but they often become relied upon and this is when the problem starts.  If you borrow from a number of payday lenders, they will all see themselves as the priority for repayment so unless you have plans to be paid 2 or 3 times for one month worth of work you would then end up in a cycle of debt.

• If you wish to apply for a payday loan you can call us using 0800 118 2345 or apply online for more information.
• If you are struggling with payday loans you should contact a debt helpline for confidential advice.

• Do you ever STOP worrying about the next bill?

Personal debt problems in the UK are at an all time high and people are confused by debt. This is having a massive effect on society, family life and the relationships involved within the home.

Larry the Loan Broker understands exactly how much pressure and stress debt creates in an individuals daily life.  Not all people owe the same amount of money, nor do they all owe money to the same type of loan or credit companies.  However, they do all have the one same thing in common, they are extremely unhappy.

• Personal debt makes for a very unsettled home and a very inefficient work life.
• Make a decision and take control of your situation, do something about it, get debt help TODAY!

England, Northern Ireland, Wales and Scotland all share in the UK personal debt problem regarding the average British resident owing around £3,000 in credit and store cards, catalogues and bank loans and personal overdrafts.  Compared to £1,500 for the average European resident.

• The UK has a debt problem!

We try to offer help and advice on personal debt to all different groups of people, some explanations are below;

Debt problems in the UK regarding Pensioners

1.5 million pensioners owe credit card companies money and around thirty thousand home owners over 65 are still due to pay a remaining £30k on their mortgages.  When it comes to pensioners who we know need help with debt problems they have limited resources and a limited ability in most cases to increase income as they get older.  Fortunately, help is available.

Single Parent Families are vulnerable where personal debt is concerned

Single parents are at risk from high rate lending due to living as a single income household.  The fact that a family can become a single parent family over night does not make for easy living when it comes to the bills.  The stress becomes too much and the family often experiences real difficulties financially.  Again, personal debt help is available for single parents, all you have to do is pick up the phone!

Disabled people and debt problems on DLA in the Uk

Disability Living Allowance  DLA .  This is not all ways enough to live on for disabled people.  The cost of being disabled is not just in the disability itself.  There are many other factors that affect disabled people financially as they can be in debt due to massive increased living costs, not due to overspending as creditors may make them feel. Self debt management is hard for disabled people as they can not increase their disability living allowances personally.

Unemployed people and work forces made redundant

When commitments have been taken on whilst in full time employment, they  can become a real problem if one suddenly suffers a loss of job or employment.  It would be good if we could all save for that rainy day but it does not happen as we would sometimes wish it to.  If you have suffered a loss of job and are struggling to pay your bills, contact a debt support advisor today for further help before it gets totally out of hand and the help on offer becomes a little too late!

• An IVA is an alternative to Bankruptcy?

We have trained advisors who are experienced in helping people understand the implications of each and every route or debt solution available to control and clear credit card debt and help clear other personal debt problems.

The first step is the hardest part so once you do that, we can try and make it as simple as possible for you, pick up your phone and contact our free debt helpline (free from a land line mobile call costs may vary) today in total confidence.

• Call 0800 118 2345

Further information is available about debt management UK, Bankruptcy, and debt consolidation loans.

• Refused a personal loan?
• Are your personal debts causing you to
  have loan applications turned down?
• Do you understand the reasons why personal loans are refused

It can feel frustrating having personal loans refused. The reasons for being turned down are varied but your current personal debt levels will be crucial in the decision. Professional debt help is a good way to improve the chances of being accepted for a new loan in the future.

• How?

Debts that are under control or have up to date repayment schedules are better in the eyes of lenders when trying to decide whether to lend or not.

• You should ask yourself when  borrowing more money whilst in debt, if in fact another loan will really help you?

If you have a history of not meeting your current credit or loan repayments then your prospective lender will see this on your credit report making it less likely for them to be willing to lend to you. Your credit report is available to view online with both Experian and Equifax.

Having been refused personal loans for whatever reason, you may wish to get advice about your present financial status, especially if you are struggling to meet your current repayment commitments or are ignoring letters and telephone calls from your creditors.

Our friendly and fully trained advisors are ready to help.

They are dedicated to their work and are working in the interests of you. Our aim is to help you become clear of debt!

Our debt advisors have all the information you need to make informed and productive decisions about your personal debts. They will lay out all the options and will guide you where required with the sole goal of helping you get out of debt.

Need a Loan in the UK to clear your debts?

• Many people try all different ways of obtaining loans before contacting us, don’t be one of them!

Searching for a loan is a very common mistake when you really need debt help online.  Most people look for loans when really they need an IVA (Individual Voluntary Arrangement) or debt management plan.  These are not the only two options available but are usually the best way to clear debts when taking only into account the total you will have repaid once clear of debt.

• Do not be put off by loans, just consider if another loan is really what you need, do you know what debt management is?

We have shown several different search terms below that link to information for each topic.  We hope they are of use to you, feel free to contact us if you need to speak with a personal debt advisor about debt management UK in confidence at a time that suits you.

• I am a Single Parent and need to get a loan
• I am recently divorced and need a loan
• Need a loan but recently I have been refused loans
• Debt consolidation loan explained
• Need a loan to stop Bankruptcy proceedings
• Need a loan to clear debt due to a death in my family
• Need a loan due to being made redundant
• Need A Loan in the Armed Forces
• Need a loan to clear credit card debt
• Need a loan but I am disabled, will any loan company help me?
• Need a loan after an IVA was refused or failed to go ahead or proceed

Need money fast? Refused an Unsecured Loan?

There are many reasons why someone needs an unsecured loan and as such we are proud to offer honest loan information and debt advice in the UK. Our dedicated team of loan consultants are always ready to help you find the right loan for whatever it is you need the money for but loans are subject to your credit status and refusal often offends.

• Call 0800 118 2345 to find out what options are available

An unsecured loan, unlike a secured loan, doesn’t require you to use any property you might have as collateral or security. An unsecured loan is not normally secured against any property. Because of this, it represents more of a risk to the lender so they tend to apply more stringent criteria to assess applications and often higher interest rates for those who they consider a higher risk. It is, therefore, important that the lender sees evidence that you have a good credit history and are earning enough money to be able to afford the loan repayments, even if your circumstances do change for the worse.

• An unsecured loan is usually fairly quick to arrange and the money is normally available within 24 to 48 hours of you being accepted.

Most unsecured loans will have a fixed term and fixed interest rates (although the rates themselves do vary hugely). Different lenders offer special terms like payment holidays or free early repayment allowance. There are a huge variety of unsecured loans available so it is important to look around for the best deal, especially to clear debt.

Further Information about other types of Loans use the links below or call free from a land line using;

• 0800 118 2345

• Secured Loans
• Mortgage arrears
• Personal Loans
• Doorstep Loans
• Payday Loans

We are all fully aware of exactly how scary debt can become if you have been  refused loans and how it can quickly overwhelm your entire life. It often happens due to some external force or change in circumstance over which you had no control. These changes can be as simple as an illness or as drastic as redundancy or even a death in the family. These changes in circumstance along with many others can mean you end up in serious financial difficulty.

If you find yourself in this situation we could try to help you, just like we have helped others to make life a lot simpler and easier to manage financially.

• Do you lay awake at night worrying about how you are going to repay your loans and credit cards this month?
• Are your repayments adding up to more than your income can allow for?

If you’ve recently had a loan refused or been turned down for  debt consolidation loans or other credit you can obtain a copy of your credit history for you to see what the reason may have been.

• You may have been refused credit credit due to late or missed payments on existing credit cards or loans?
• You may have been refused a loan due to incorrect information being held on your credit file about you!

Whatever the reason you were refused credit and whether you live in England, Scotland, Wales or Northern Ireland, we offer a debt advice and chargeable debt help service for anyone who has been refused credit.  We will willingly help you if possible to consolidate unsecured debts into one, new, affordable monthly repayment utilising debt management.

If you call us now on 0800 118 2345 you will not be paying premium call rates, in fact you wont pay a penny if calling from a BT land line but you will get friendly and confidential debt consolidation advice that will be tailored to your personal situation.

Our expert team have successfully helped people clear personal debts who have county court judgments and mortgage arrears, people going through a divorce, people who are self employed and even people with business debt.

• Don’t make your self ill over debt!

Most of us have experienced that feeling when you have something you must pay for, yet you have no way of paying for it. There is no money left in the bank account, all of your credit cards are at their maximum and you are not due to be paid for some time to come.

• What do you do?

It’s often unexpected expenses that cause the problems. It’s tough and this can be a good sign that things need to be better organised financially at best or perhaps serious action is required at worst.

There is an alternative to all the stress, worry and possible health implications that debt can cause. With a proven track record in debt counselling we can take care of everything for you. You may be surprised to know that even your creditors will more than likely be pleased you are organising your finances.

If you currently use another debt management company you can easily change or move to Lewis Alexander at no extra cost, it’s easy and you will be happy in the knowledge that we are working for YOU!

For small businesses, simple cash flow can be one of the biggest problems that business faces on a day to day basis. If you are having trouble paying suppliers, or it has got to the point where you have received a county court claim, don’t panic, there is help available from various UK organisations.

Organisations such as the Government, Solicitors, Accountants and debt counsellors are all capable of offering valuable advice on dealing with business debt.  You and your business will probably start to experience difficulties if your customers do not pay their bills on time. Late or non-payment of debts can cause cash flow problems and can be detrimental to your business.

In recent years, research has proved that if an individual is having to deal with personal debt problems, they are often under an enormous amount of stress. Due to the fact that not everyone is capable of noticing the stress themselves, it often takes many months until they recognise that their debt problems are actually making them ill.

• Debt can be responsible for major stress and depression and should not be left unchecked.

Simply call us FREE from a land line using 0800 118 2345.

• Loans to clear your debts can be the quickest and simplest way to erase your debts. Sometimes in as little as 24 hrs.
• Find out whether you could be eligible for a consolidation loan today and end the stress of your personal debt.
• PLEASE NOTE LOANS ARE SUBJECT TO YOUR PERSONAL CREDIT STATUS AND REFUSAL OFTEN OFFENDS.

Paying different amounts to each and every personal debt monthly can become a real hardship and more importantly, can cost a lot of money in interest or charges. If you lump all your debts together and take a debt consolidation loan to clear them all and then make one smaller repayment each month, you can find this is easier to manage than a number of payments.

• If you think you might benefit from consolidating all of your debts into one easy to manage loan repayment then speak to one of our trained advisors today for up to date information about debt consolidation.

Remember that a debt consolidation loan could mean only having to deal with one creditor instead of lots and only having to pay one rate of interest instead of different rates for each existing creditor. Overall it could mean all of your personal debts being repaid sooner and it will likely save you money too.  Be aware that you should still shop about for debt consolidation loans as different lenders charge different rates.

The following are different types of loans we can help you with, we also offer debt help and advice;

• All Purpose Loans
• Secured Loans
• Debt Consolidation Loans
• Mortgages Arrears
• Bad Credit Loans
• Doorstep Loans
• Car Loans
• Payday Loans
• and Debt Management UK

Even if you have previously been refused a loan we can probably help you consolidate your existing debt. If you live in England, Northern Ireland, Scotland or Wales and have been turned down for a loan, we will find out why then take it from there.

We can offer tailored debt solutions for;

• Single mother and single fathers with debt
• People who have been made redundant
• Recently divorced people with debt
• Retired people with debt

If you need help or advice about other kinds of loans or debt help and advice not listed here, call us free using 0800 118 2345 and we will do our best to help.

Many people try all different ways of obtaining loans before contacting us, don’t be one of them!

Larry the Loan Broker offers best advice at all times regarding loans and will in most cases test your means prior to advising you.

This allows us to see exactly what type of loan product or debt management plan you qualify for, if any.  The most economical way to become clear of debt is to employ a tactic that will keep the total repaid to a minimum.  You can get personal debt help today from Larry the Loan Broker!

• LOANS are not at all times the best option!
• Do NOT be offended if refused loans!
• Reasons why you will apply for loans will differ from person to person.
• Use the following links for help and advice when searching for Loans in the UK.

• I am a Single Parent in search of a Loan
• I need a loan to clear credit card debts
• Help about loans in the Armed Forces
• I am recently divorced and in search of a Loan
• Need a loan due to being made redundant
• Need a loan to clear debt due to a death in my family
• I am in search for a Loan but I am Disabled, will a loan company help me?
• Need a loan after an IVA has been refused or failed to proceed

If you are constantly searching for loans in the UK, help and advice is available throughout England, Scotland, Wales and Northern Ireland. Call us free today from a land line using 0800 118 2345.

Loans in the UK can cost a large amount of money to repay if you have previously been refused a loan or credit in the past.  The reason you may have been refused credit or loans could be due to a bad credit history or missed or late payments on credit cards, store cards, overdrafts and general household bills.

• To constantly search for loans in the UK is pointless if you keep on getting refused.

It will not help your credit score if many applications are made within a short space of time.  This will leave what we best describe as footprints in your credit file and show other lenders that you have been very active in trying to obtain credit. This is not a good thing in most cases.

You can try to obtain sub prime loans for people with bad credit but we all know that the only winners tend to be the lenders and not the borrowers.  Try speaking with a trained loan advisor or a debt help service to asses and ascertain if your current financial situation allows for you to obtain credit.

• Remember THIS: If a lender is not lending, a lender is not EARNING!
• Loans are available at varying rates throughout the UK.  BE AWARE!

• No-one knows better than single parents how tough managing home finances can be.
• Sometimes a loan can be exactly what a single parent thinks is required to prevent you having to rely on more expensive forms of borrowing.
• This is sometimes the way that single parents think of to bring and end to using mail order catalogues and doorstep lenders.
• Being in constant debt is not easy. You can find and obtain help and advice for single parent debt today!

Are you a single parent looking for a loan?

Anyone who is bringing up children on their own, struggling with personal debt, if a single man or woman,  will know how difficult it can be at times. Only having a single income and having to ensure the care of the children, often costing huge amounts of money, brings very specific debt problems. These expenses are hurting the very people who have the least amount of spare cash.

As a single parent, it is rare that you can work and care for your children at the same time. Not many single parents get to work from home or have a boss that provides child care at work. Being a single parent is a balancing act, always having to weigh up what should come first and what is most important.

That said, a lot of single parents struggle financially and trying to fulfil societies expectations for themselves and their children sometimes leads to hardship and can mean you end up needing debt help online.

Do you require a loan?

If there is something you want to get done and you require a loan to be able to do it, then we can give you the best debt advice available. As there lots of reasons why people need to borrow money, there are also lots of different kinds of loan available to achieve them.

• Debt consolidation loans
• Secured loans
• Unsecured loans
• Payday loans
• Car loans
• Bad credit loans
• Mortgage Arrears

Can you help me with my debts?

We offer debt management UK help and advice on all sorts of financial issues related to personal debt. Many single parents rely on things like mail order catalogues, doorstep lenders and so on, all of which are very expensive ways to borrow. It is estimated that over a quarter of single parents do not have a bank account meaning they lose out on lots of other savings like direct debit discounts.

There are things we can do to help single parents end their reliance on credit and get them out of the cycle of debt. We can offer you different solutions such as the ones below to solve personal debt problems as well as offering loan advice.

• Debt management plans
• Debt relief order
• Debt consolidation
• IVA – Individual Voluntary Arrangements
• Trust deeds

For help and advice regarding personal loans or debt advice and help, please contact us free from a land line using 0800 118 2345

• If you have recently had a loan application refused and need some advice about how to improve your chances of being accepted for loans in the future then we can help.
• Our advisors are available to help with any loan or debt issues you may have questions about.

Having a loan application refused can be very frustrating, so if this has recently happened to you we offer people in your position help with loan refusals and other debt help.

Loan companies do not refuse loans to be awkward and they do not refuse them for no reason either. Remember they are businesses trying to make money and to this end try to limit the risk of losing money at the same time. If you have been refused a loan then it means they have reason to believe that you are too high a risk for them to lend money to, correctly or incorrectly!

I don’t understand why I was refused a loan

Most people will have an idea of why they were turned down for a loan, a past credit problem is normally the place to start. There are plenty of examples however of people being turned down for a loan where they had no problems in their credit history that they were aware of.

Credit Scores or credit reference data being held by the credit reference agencies is used by lenders to determine how much of a risk a potential borrower would be. This information is not always correct or is out of date for some reason. these personal credit reports can help you discover if there are any problems of this nature preventing you from obtaining the credit you want.

Who are the credit reference agencies?

The three main credit reference agencies who hold information about your credit history are Experian, Equifax and CallCredit and there contact details are below.

• If you want to get a copy of what is being held on file about you, details of how to do this are on the company websites for each of these agencies. There is sometimes a nominal charge for doing this.
• Once you have received a copy of your credit reference file, any anomalies or incorrect entries can be corrected or removed by notifying the company holding the information.

What other debt help can you give me?

We are personal debt help specialists and are waiting to help anyone with concerns or problems related to debt. Every day we help people who have struggled with debt in one form or another, so don’t be afraid to ask for help or advice.

We can help with Personal Debt Management, Debt Consolidation Loans and Individual Voluntary Arrangements as well as offer useful advice about many other debt related subjects e.g. Credit card debt, Bankruptcy, Trust Deeds, etc.

• For further information please call Larry the Loan Broker free using 0800 118 2345 or fill in our short enquiry form.