Need to get a grip on your finances? Then you've reached the right place.

We can offer you the advice and information you need to help ease your financial situation immediately. All you need to do is call us now* and speak to one of our friendly advisors.

08704 28 28 29
(8.00am to 10.00pm, Monday to Friday)











Tied down with credit card debt? Inundated with interest payments? Marooned with your mortgage?

Find the potential means to consolidate your debt and reduce your monthly outgoings. In fact, you might be able to save money!
Call us now on
08704 28 28 29*
     

Telephone Helpline
For friendly, professional and informal advice we are available 8.00am to 10.00pm, Monday to Friday, on 08704 28 28 29*. The credithelpline is brought to you by Asset Design, specialists in providing sensible financial solutions. To find out more visit the Asset Design website.

Find Out Instantly
To find out how much The Credit Helpline could help you to reduce your monthly repayments, just fill in the boxes in our online calculator. It could be the best thing you ever did for your debt!

CURRENT SITUATION
OUTSTANDING
BALANCES £
CURRENT MONTHLY
PAYMENTS £
Mortgage
Personal / Secured Loans
Credit / Store Cards
Car Loan / HP
Your Total Current Monthly Commitment is £
NEW SITUATION Reduce Your Monthly Commitments Down To Approximately £ Potential Monthly Reduction £
Clean Credit
(never missed any payments on anything)
typical APR at 6.8%
Impaired Credit
(late payments or defaults / CCJs)
typical APR at 7.9%
Adverse Credit
 (missed payments / unlimited CCJs and / or mortgage arrears)
typical APR at 8.9%


The APR is based on the average change over fees of £1,975. The above indicated rate will vary depending upon your own individual circumstances, please ask for a personalised Mortgage Key Features Illustration.

How Can I Achieve These Reductions? (what to do next)
Still doubtful? Don't leave any stone unturned. Arrange a callback from a Credit Helpline Adviser by completing the form below. He or she will call you at a convenient time to explain how you may be able to reduce your monthly repayments as illustrated on the calculator above.

Name
Telephone Number
Email
Time for us to call
Where do you Live?
Homeowner / Tenant?

Tenant Homeowner

 
DISCLAIMER
This is for illustration purposes only and is based upon interest only calculations, for guideline purposes only. You could be turning short term unsecured debt into long term secured debt and that the total charge for credit could possibly be higher.  
Latest Advice - updated August 2005

Are you looking forward to a relaxing break away from the stresses of everyday life? Taking your credit card?
If you are taking your credit card, make sure you check the terms of use in foreign countries, especially those outside Europe, as there are likely to be hidden charges that may dampen your trip and worry you when you get back. more >>>

Latest Advice - updated July 2005

Are you throwing away money?
Every Investor research shows that most people are literally throwing money away. Latest reports show that an average family of four could be wasting more than £4,000 a year simply by paying too much for financial products.

Unsure which to pay off first? Why not consolidate all your debt.
If you have more than one lender, then you can ask the Court to arrange an administration order which allows for all the debts to be added together. An administration order can only be made for debts totalling less than £5,000. One payment is made every month to the Court who share it out among the lenders. Simplifying your payments this way could help you pay them off sooner!


Latest News - updated March 2005

Last year, UK personal debt broke through the £1 trillion mark for the first time.
"With so much debt around, people should approach this with extreme caution," Francis Walker, spokeswoman for debt charity the Consumer Credit Counselling Service told BBC News regarding the new online lender Zopa. "With any form of credit it is essential to look at what you repay back each month."
More about Zopa...

Do YOU really know your Credit Card charges?
The Consumers' Association has commented that APR’s (annual percentage rates) are calculated in no fewer than 10 differing ways. The hard fact being that two cards with the same headline APR can be dramatically different in true cost.

So when it comes to the cards in your wallet (or purse) can you answer the following questions:

- Balance transfers: Does a different rate of interest apply on your credit card balance transfers compared with purchases?
- Credit File: Does it matter if i don't pay off my credit card? What will they do? Credit reference agencies hold information on most adults in the UK. This helps lenders to assess the risk of lending to particular people, and reduce the risk of fraud, by allowing them to look at information held in individual credit files. This information falls into three main categories: Public record information, credit account information and search information.
- Differing rates: Have you a sum on your card from a balance transfer (e.g. debt consolidation)? If so do differing rates of interest apply to different portions of your credit card outstanding balance. When you make a payment against your card what gets paid off first the lower rate or the higher rate.
- Interest period: When do you start paying interest on a card purchase? As soon as the purchase is made or from the next billing period.
- Interest-free periods: Check what you think your card offers before embarking on major purchases. For example some card companies deem that a customer must have paid off their entire bill for two consecutive months to benefit from not paying interest.
- Fine print: Just received a change in your cards terms and conditions? If so review these in conjunction with any special offers that appear tempting as the changed terms may directly affect the offer.
- Late Payment: No longer think that paying the minimum payment (or full balance) off a few days late will not matter. Card companies often charge around £25 for late payment, even by a day, and excuses about illness or blaming the postal system rarely work.
- Credit Junkie: Do you make a habit of moving your credit card debt around by regularly applying for new cards as offers appear? Maybe you just like a fistful of colourful cards! Beware that regularly applying for cards may not be all that good for your credit file and ultimately card companies may simply refuse credit for this reason irrespective of your financial standing.
- Minimum Payments: The minimum monthly payment against a card balance used to be 5% - in some cases this has dropped to as little as 2%. Certainly makes the monthly payment easy to make but try to ensure that you are paying off more than just the interest for the long term.
- Credit Limits: Such a good customer that the card company is regularly increasing your credit card limit? Don’t take advantage of this unless you can afford to pay it back.
- Uses Abroad: Make sure you check the small print to avaoid coming back home after a relaxing break to discover a stack of bills awaiting you with astronomical interest rates.
In respect of Debt Consolidation & Equity Release: You could be turning short term unsecured debt into long term secured debt and that the total charge for credit could possibly be higher.
 








*Telephone calls are monitored and may be recorded for training purposes
The Credit Helpline is provided by Asset Design Limited, a team of experienced advisers operating independently from the finance houses.

 They work closely with Advice Bureaus and debt counsellors to help people, regardless of circumstances (whether self employed or retired, with a good credit rating or with CCJs, tenants or home owners). Our aim to help our clients save money by managing debt more successfully and aiming to procure BETTER mortgage, remortgage and loan rates and terms.
 









ADVICE:THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Head office: Shaw House 110-114 Barnards Green Road Malvern Worcestershire WR14 3ND

site production MRA

  

Helping you with:
Mortgage advice
Managing debt
Credit card debt
Credit card advice
Reducing monthly interest payments
Debt consolidation

TAKE PART IN A TV DOCUMENTARY

Firefly Productions is making a sensitive and intelligent documentary series
for Channel 4 about families currently facing potentially life-changing
financial problems who are looking for ways to cope.
 
more

The Credit Helpline is a national debt line helping people to find potential ways to get back on track with monthly payments, consolidate debt and reduce interest payments so that they can enjoy life again, without living under that particular cloud.


Asset Design Limited is authorised and regulated by the Financial Services Authority

HELP & ADVICE
Addressing a Poor Credit Rating and CCJs
Advice on improving your credit rating and borrowing money with an impaired credit
Managing
Credit Card Debt
Advice on coping with credit card problems
Debt Consolidation
Use our online calculator to see how much you could potentially reduce your monthly repayments by
Credit Card Advice
Advice on understanding credit card offers; holidaying abroad; reviewing current offers
Mortgage Advice Centre Problem mortgages
 Self employed
Equity release Remortgages
Retirement
Draw an Income from your property in retirement
Sickness, Accident, Redundancy
Protect against illness and disability - particularly to protect your mortgage
Deal with Debt
How to address debt issues - not avoid them
email credithelpline


LATEST NEWS
Visa Charges Unlawful!
An agreement between Visa and banks which sets the fee retailers pay each time customers use its credit and debit cards has today been deemed unlawful by the competition watchdog. >>>
LATEST NEWS
Credit Card Companies Under Pressure from OFT
The Office of Fair Trading says default charges are too high but the companies are fighting to keep levies worth an estimated £1bn a year! >>>
LATEST NEWS
American National Debt Uncontrollable!
The national debt stands at about $8 trillion and goes up $1.5 billion a day. Likewise, the level of consumer debt is out of control and growing rapidly, too. Credit card debt alone now stands around $800 billion or about $8,500 per family.
ARCHIVE NEWS
Are you planning on a sunny summer holiday abroad? >>>

Are you managing your money effectively?>>>

Are you aware of identity theft?>>>

Are you a student thinking of applying to university? >>>

The total UK personal debt broke through the £1 trillion barrier in July 2004 and is likely to break through the £1.1 trillion barrier in the middle of 2005. .>>>