Need debt help as been refused loans and credit

• If you have recently been turned down for a loan or credit we may be able to help you!
• Do your monthly outgoings need reducing?
• Have you got a poor or bad credit history?

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.

Find a loan to clear my debts

Advice about how to find a loan or debt consolidation loan to help clear your personal debts

• 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.

Help to search for a Debt or Loan Company

Are you struggling to find a loan or loan company after searching online?

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!

Single Parent Loans

Personal help and advice about loans for single parents in England, Scotland, Wales and Northern Ireland.

• 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

Obtain Help and Advice if Refused a Loan

Loan help and loan advice for people who have been refused personal loans

• 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.