With the job market so much in flux these days you’ve been careful to make hay whilst the sun was shining. You’ve been careful to diversify your investment portfolio with a mix of higher return, though riskier ventures and also the old reliable fixed term savings accounts – and you are so glad you did!   Yeah, the fish farm was an intriguing...

If you need some money, quickly, as a means to tide yourself over in between pay periods, it may often feel like there are not many options for you to consider. Fear not though, little consumer: help is already out there for you in the form of payday loans. A payday loan is a loan that is offered by an independent provider, not by a bank or traditional lender. This...

An IVA is an Individual Voluntary Arrangement. It’s a formal insolvency procedure that can help people who’ve ended up in a situation where they can’t afford to repay their unsecured debts. It’s often seen as an alternative to bankruptcy, but that doesn’t mean it’s an easy option. It takes a lot of commitment to make an IVA...

Do you need help coping with debt? Perhaps you have lost your job, or you can’t keep up with credit card repayments. There are several debt solutions available. Here are some hints to get by: Speak to your Lender Its vital that you speak to your lender as soon as you realise there is a problem.  If you can show them your income and regular outgoings they may...

A debt collection agency refers to a business whose aim is to pursue for payments on debts which may be owed by individuals or it may be owed by businesses. Hence a debt collection agency operates more like an agent of creditors. They collect debts from the debtors & charge a fee or a percentage of the total amount which is owed. This is as per their discussion...