One of the biggest issues we know about is the ease in which people find themselves in debt. Part of the problem is the availability of credit, whether card or loan.

Recently, in the news were suggestions that there should be a curfew on credit companies as many people apply later at night when perhaps they’re not thinking straight.

A story we hear of time and time again; is that credit card companies’ are irresponsibly encouraging people to take on greater levels of debt than they can ever reasonably repay.  In many cases, one credit card debt leads to another card, taken out to pay the first one off and this is a chain that continues until there is a chain of unpaid cards, all charging exceedingly high levels of interest. With further incentives being given such as freebies and points to spend on your card.  There are positives of course to 0% interest balance transfers but only if used responsibly.

It is tempting for people to simply bury their head in the sand, either because they hope it will all go away or very often because they feel embarrassed at having got themselves into this situation in the first place.

At Adcroft Hilton, we aren’t here to judge people but to help them resolve any financial difficulties. Our ethos is to help you avoid these situations where possible, and where required help you resolve them quickly and efficiently.

Obviously, the sooner people come to us, the better the outcome.  Many say that whilst it was a very hard decision initially walking through our door or telephoning us, it ended up being one of the best decisions they’ve ever made. The relief from the stress is almost immediate because you’re no longer on your own; we’re working as a team.

We’re always here to have an informal initial chat free of charge, so please do give us a call, drop us an email or pop into one of our offices.

Blackpool: 01253 299 399 | Carlisle: 01228 558 899