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The Office of Fair Trading has closed four insurance advice firms accused of misleading customers over IVA regulations. The OFT reached the decision after the companies were found to have provided people with unsolicited correspondence, which suggested that they had been mis-sold an Individual Voluntary Arrangement, and that perhaps they should consider filing for bankruptcy.

The companies have been named as; Intl Marketing Limited, UK Bankruptcy Limited, UK Mortgage Link Limited and Bankruptcy Limited. The OFT have removed all consumer credit licences from them.

Personal debt expert at beatmydebt.com, James Falla, found that it was not a new development that people beginning an IVA had been targeted by these companies; he also warns that debtors should expect to be contacted by companies of the same scruples. Mr Falla recalls how the OFT were forced to take similar action with the IVA Council several years ago, but it didn’t take long for other people to jump into the vacated spaces.

Mr Falla advises those who aren’t sure about their IVA situation to consult an independent expert, saying; ‘you should either speak to your insolvency practitioner or an independent debt expert who will not charge for the advice they give.’ He also cautioned against simply stopping payments of an IVA, particularly if the debtor is a home owner, and said ‘you should never do so without getting the right advice first.’

Do you need debt advice? Or help assisting your needs?

People who have accepted the help from these websites have then been made to pay additional fees to transfer from an IVA to a Bankruptcy service – even when this may not have been the ideal option for them. The OFT found this to be in breach of their Debt Management guidance, and forced the websites to cease.

Two of the closed firms appealed against the decision, Bankruptcy Limited and Intl Marketing Limited, but both were unsuccessful. Bankruptcy Limited withdrew its opposition in March 2011, shortly after Intl Marketing Limited had their objections thrown out by the appeal tribunal. Director of the OFT’s Consumer Credit Group remained firm, agreeing that it was wrong for companies to take advantage of the financially vulnerable, saying they ‘must not use misleading mailings or give advice that they know may not be in the interest of borrowers.’ He also made it clear that the OFT were not about to roll over and let them get away with breaking debt guidance rules, adding ‘Where the OFT has evidence that companies have breached its guidance, it will use its powers to stop them from doing so again.’

For more information about IVA repayments use our IVA calculator for full repayment details.

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One should calculate whether or not a Debt Consolidation Loan will actually benefit them before taking the necessary steps. Add up all the fees, interests, and payments that need to be made in a given month and compare them to what the monthly payment of a Debt Consolidation Loan would be. Individuals taking out this kind of loan may find that their rates are not necessarily better than their current payments.

Lenders of debt consolidation loans tend to hike rates for people that do not have any assets to back the loan with; such as equity or an automobile. Current market rates could still be having an impact on the overall interest rate of the loans. Taking out a loan to reduce credit card debt and other financial obligations should always be most beneficial to the borrower. If the payments are not lower, then there is no real reason to take out the loan.

A major benefit of this kind of loan is bringing all of the debt under one time table. There is no multiple payment schedules that need to be followed while trying to juggle around finances every other week to make payments. It cuts that down to just one payment that can be planned for and work towards to get your debt managed and under control.

What’s been casually passed over is the long-term trends that affect the UK’s economy – the major financial concerns that, besides indicating potential future changes, could affect professionals in the UK more than anything else. These are the changes that, even in light of short-term changes, are an overwhelming concern for economists, financial professionals, and others in the finance arena.

One statistic that’s surprising for Britons is the massive, long-term increase in bankruptcies, both of the personal and business bankruptcy varieties, over the past ten years. While a myriad of different publishers have pointed out short-term increases in business or personal bankruptcy rates, few have offered a look into the UK’s startling long-term bankruptcy increases – for some, of over 11 percent.

Men aged between 35 and 44 years old continue to lead the UK’s bankruptcy scoreboard, racking up personal debt levels unseen in any other demographic. What’s most surprising, particularly for many finance and consumer spending experts, is the similar increase in women’s bankruptcy. Over the last ten years, the amount of women going bankrupt has increased form 29 to 40 per 10,000 residents.

These surprising long-term increases are often left out of short-term coverage and analysis, which is perhaps a leading reason for their persistent growth. Consumers and businesses alike can learn from long-term financial trends, leading to renewed financial health and a greater understanding of how a recession, bankruptcy surge, or other financial event could affect them.

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Also, the business cash advance is usually treated as more of a purchase than a loan so it doesn’t really affect the credit rating of one’s business. Therefore, there is no risk of one losing the collateral, which makes it a very safe option for funding one’s business.

Moreover, the fact that only little paperwork is required in order for one to get the business cash advance loan means that, one only waits a short while, like a week or less, to receive the funding. This is a big plus because most of the other types of loans take even months which is a waste of time.

Even though taking the business cash advance may be a bit more expensive since one begins to pay off the debt immediately the transaction goes through, it becomes more economical at the end of the day since it takes a shorter time and less interest to finish paying off.

A debt consolidation loan simply involves repaying your existing unsecured debts in one go – leaving you with just one debt to repay to one creditor. You could also arrange to repay this loan over a longer period of time – which can help to reduce the amount you pay each month.

Of course, any debt solution has its good and bad points, and we’re going to take a look at  some of the pros and cons of debt consolidation now.

Debt consolidation – pros

• Arranging to repay your loan over a longer timeframe than your original debts can allow you to pay less each month.

• A debt consolidation loan could help you avoid damaging your credit score. This is because making one payment each month should make it easier for you to keep track of your finances (as a whole) and ensure you’ve got enough money set aside to cover your payment each month.

• If you choose to consolidate debts with a high interest rate (from credit cards, for example), you could considerably reduce the amount of interest you’re paying (providing the rate on your consolidation loan is significantly lower than the rates on your ‘old’ debts). This basically means your debt won’t grow as fast while you’re repaying it.

Debt consolidation – cons

• A debt consolidation loan won’t lower the amount of debt you have to repay – in fact, you’ll owe just as much as you did before, but it should be easier to manage.

• Arranging to repay your debts in smaller chunks means it will take longer for you to repay the money you owe.

• If you arrange to spread your loan repayments out over a longer timeframe, you could pay more interest than you would have done repaying your ‘old’ debts as they were, since your debt would simply have longer to accrue interest.

It’s important to bear in mind that debt consolidation won’t be right for everyone. So, someone with an erratic income, someone who can’t consolidate all their debts or someone who doesn’t think they’ll be able to repay their debt consolidation loan may find that a different approach could be more appropriate for them.

Even when you are still alive, the plan can be beneficial to a life insurance policyholder especially in the case of acquiring finances. Life cover in itself is an intangible asset that can be used as collateral to secure mortgage loans or other forms of credit from banks for investment. In addition, with this cover, you can avoid paying debts from selling off personal assets and compare life insurance.

Savings in life cover or funeral plan Australia provides you a channel to reduce the amount of tax payable to the government hence allowing you to save more funds. In case of securing your education, life cover secures your child’s education even when you are no longer with them. With such benefits, it is wise to take up life cover to access such benefits. However, prior to buying cover, it’s prudent to understand terms and conditions and seek professional advice from our expert for first timers.

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