To Do If You Get A Nasty Letter or Phone Call From:
Clarity Credit Management
Credit Management is a debt purchasing/selling company and is listed
in the website of the DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily Clarity
Credit Management), and especially the debt purchasing element, go a
bit too far sometimes and can make people's lives a misery when those
same people are at their most vulnerable. We do not suggest that they
are acting outside the law, but getting that letter or phone call is
not exactly helpful to you right now.
So the first thing
you must do if Clarity Credit Management is bothering you is not
to panic or despair. That's just what they want! They'd love
you to call their number and speak to their specially trained sales
team for 'advice'. But once you do that you'll be suggestible to whatever
they tell you, instead of getting independent advice. While we always
say that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
options that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
Now you may be tempted
to get a payday loan which is an unsecured loan designed for the short
term. The only problem with these is that the interest rates are very
high. Therefore we cannot recommend them.
As an alternative
you could apply for a 'logbook loan' which many people find a very handy
option. It is actually a loan secured on your car, except you get to
keep the car and keep the cash as well! That's why some people find
it such a good idea, as it unlocks the equity in your vehicle without
taking away your means of transport (there's no need to sell the car).
for a logbook loan click here.
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
be aware that figures entered need to be accurate by law, and to give
the best service to you. It is extremely important that you budget for
all necessary expenditure including rent or mortgage, council tax and
utility bills, etc., and any other necessary outgoings related to the
upkeep of your household and in relation to any specific circumstances
which may apply to you or your household. This website only collects data on behalf of
debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect their
ability to get credit in the short term or even in the long term in
some cases. It is free to apply from this website; you will be given
advice by debt management professionals and a 'cooling off' period,
by law, to decide whether or not the debt management plan is suitable
for you, and you should be aware that a fee will be chargeable upon
a successful arrangement, as with any commercial transaction. Failure
to meet the repayments on an IVA or any debt management programme may
result in serious consequences, including, but not limited to, bankruptcy.
Bankruptcies, CCJs and similar defaults will be entered into a public
register and will remain there for a statutory period of not less than
six (6) years.
Also Known As: Clarity Debt Collectors, Clarity Ltd, Clarity Credit
Address: 2 Swan Court, Lamport, Northamptonshire NN6 9EZ
Telephone: 01604 686000
Fax: 01604 686000
Email: [user]@ claritycreditmanagement.co.uk
Extra Data: SEE
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check by applying
Credit Management and the Truth About Your Debt
Clarity Credit Management
Ltd is a debt collecting agency that has bought the debt account from
the original lender, often a bank (or in some cases another debt collector)
for about a tenth or less of the original value and is brazenly trying
to get the full sum of the original account from you.
So ask Clarity Credit
Management for a copy of the original contract when you took out your
loan or credit card.
Data On Clarity Credit Management
you have any information that you would like honest people to know
about Clarity Credit Management then send us an email in complete
confidence and we will try to corroborate it with the clowns involved.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Clarity Credit Management website is part of DPC Registry website group.
All rights reserved. Complaints Against Clarity Credit Management debt