You are not alone.

Recent statistics suggest that more than 30% of the UK population have personal debts

Most people use credit of some type, be it mortgage, credit card, loan or overdraft and the British national debt now stands at over £400 billion.

Many make the mistake of consolidating their debt with consolidation loans, but this is not the best solution to the problem and can make the situation worse in some cases.

There are effective alternatives to debt consolidation loans that actually tackle the problem not the symptoms.

We're here to talk you through the alternatives, which will reduce your debt, not add to it.