Mr & Mrs Smith from Sunderland..

This debt reduction programme is unbelievable

We are amazed that no one is using this facility it can

Save you hundreds of pounds every month.

We were paying about £460 per month In debt payments

After using www.debtuk.net they were reduced to £310 per month

The difference we pocketed.

Find out for yourself how you too can reduce your payments and balances on your loans and credit cards. This is not a loan, an iva or debt management programme or bankruptcy facility. This is the most powerful debt reducing facility available.

F.A.Q's

  • 1. Why have I not heard of this facility?
  • Your lender does not want you to know of their debt facilities. Have you ever seen or heard an advert for debt solutions from your creditor?
  • 2. Why would my creditor help me when I am in debt?
  • UK creditors are more willing to help due to legislation. But the main reason is that they will not gain financially from writing off your loan or debt as they will lose revenue. They would rather prefer to keep your loan active even if it means reducing your balance and debt.
  • 3. I am with a fee charging debt management company is this facility available through them?
  • There is not one fee charging debt management company in the UK with this facility as they are unable to calculate the exact sum of payment required. The other reason being they will lose out on their monthly fee they charge you.
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  • 4. How long will I continue with my lower payments?
  • This will be determined when you new payments have been met and your creditor can reduce your debt and balance to tailor around your lower payments. The letter provided will instruct your creditor when to inform you.
  • 5. If for some reason my creditor does not have the facility are there any other debt options?
  • It will be very surprising if your creditor does not have this facility as it would be costly to them. There are other options through your creditor In the form of placing your debt/arrears at the end of your loan agreement you can also ask for a payment holiday. All these facilities will be mentioned in the letter provided.
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  • 6. Why would my creditor freeze my interest and fees?
  • It would be ridiculous for any creditor to charge you interest and fees when you have made arrangements with them as you would not be reducing your debt/loan balance. Some companies charge interest on a monthly basis, so your lower payment only pays the interest not the balance.This facility will also be mentioned in the letter.
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  • 7. Most debt management companies advise not to get in touch with your creditors or I will be debt free in such time, is this true?
  • It is always advisable to keep in touch with your creditors, remember its up to them to accept your lower payments. Debt management companies only want your fees.
  • 8. Is my home at risk ?
  • Any mortgages, secured loans and car finance payments must be maintained, as they are priority debts, we can not assist with lower payments on priority debts. If you are a homeowner and looking to raise cash click on our loan page you will be charged no fees until completion.
  • 9. How long will this process take?
  • From purchasing the debt programme and completing all three steps your letter will prompt your lenders to respond within 14 days.
  • 10. How can I pay my lower monthly payments?
  • The letter provided will ask your creditor the preferred method of payment.
  • 11.What incomes are accepted?
  • Most creditors will accept all incomes i.e. wages, benefits, pensions.
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  • 12. What happens if I don't do anything about it?
  • If for any reason you are unable to maintain your contractual payments and make no offer of a lower payment your creditor will take action action (possible default on your credit file). Or you can arrange a lower offer of payment and possibly have your balance reduced through www.debtuk.net, your creditor in some cases won't have to write off your loan and will suspend any pending action. They would rather receive smaller payments from you than nothing.
  • 13. When can I purchase this programme?
  • You can purchase our programme anytime seven days a week 365 days a year through our secure payment system through paypal. It does not matter if you do not have a paypal account as you can use any debit or credit cards.
  • 14. Will my details be passed on to other organisations?
  • Your details will not be passed onto any other organisations after you have purchased our programme.
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  • This easy to use debt programme will be automatically sent to you within seconds after your payment has been recieved.
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  • 15. Who does this service apply to ?
  • Our service applies to any individual who have problems with paying their debts have arrears on their finances, or simply want to save money every month.
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