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Tackling your debts

What you can expect when you call us

Posted 16 March 2016 by Christine Walsh

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We know you’ll receive a great service when you call us. But don’t take our word for it, read what our customers say about reaching out to us for help.

Our mission here at Debt Advisory Centre is to help you with your problem debts. If you look through our blog, you’ll see that we love letting you know all the ins and outs of the various debt solutions that are available - as well as some top money saving tips.

Having said that, there’s nothing quite like hearing something from the horses’ mouth, so we’ve put a post together based on what our customers say about us and what they experienced when they called us. Hopefully, by the end of this post you’ll know how we can help you, what you can expect when you call us and you’ll feel empowered to pick up the phone and start to tackle your debts. 

 

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If you want to check out these comments about our service for yourself, then just go to the feefo section on our home page. Feefo is an independent reviews website – and we work with them to ask everybody that takes advice from Debt Advisory Centre for their feedback.  All the feedback is publicly available on their website, so you can see what people really say about us.

What our customers say about calling us:

I was impressed by their knowledge and level of commitment. It was nice to chat with someone who actually cared.”

If you’ve been battling unmanageable debts for a while on your own, you may be feeling isolated and lost in your worries about your financial future. It’s important to remember that there are people out there who you can talk to who are experts in helping people in your situation, who care about solving your problem, and can give you all the time you need to talk it through. 

Our advisors are thoroughly trained and experienced when it comes to helping people find ways to tackle their financial problems. If you give us a call, not only will you feel relieved that you’ve got your debt problems off your chest, you’ll get to talk it through with an expert, who can suggest practical help as well. 

Excellent service as I was called back several times as I have a baby and I needed time during the call to see to him. I felt like I was understood and never judged and the advice I was given was perfect for me.”

Here at Debt Advisory Centre we understand that your debt problems aren’t the only things you’ve got to worry about and that we all live busy lives. It’s best to try and put a bit of time aside when you call us, but “life happens” as they say!” If you need to take a break because you’ve been called away by work, you need to see to a little one, or you just need to find out more information that’s fine – we’ll call you back at a convenient time for you.

Also, fear of being judged might be one of the reasons why you didn’t reach out as soon as you knew you weren’t coping with your debts. Rest assured that, when you call us, we will never judge you, regardless of the reasons why you’ve found yourself unable to repay your debts, and our advice will be tailored specifically for you and your circumstances, as well as confidential. 

“…we discussed my debts and a realistic lifestyle budget that enabled us to work out my monthly payments. Though my debts have not gone away, I can sleep better at night knowing that my repayments are much lower…”

When you give us a call, one of the first things you can expect is to be asked about your current financial situation in some detail. Your advisors will take you through your income and expenditure, so we can see what you’ve got coming in and going out of your household each month. They’ll ask what you think you spend on things like, rent/mortgage, food, utilities, insurances, travel, your mobile phone, TV subscriptions, house-keeping, clothing and hobbies. They’ll then ask you about any income from your job/s, benefits or whether you get any help from family and friends. 

As the customer who left this comment noted, the call will help you put together a realistic budget and, importantly, we’ll know how much money you’ve got to put towards your debts, known as your disposable income. If you like, you can get some paperwork ready before you call us, so you have some key figures to hand to help you through the call. 

Once the advisor has had a look at the numbers, they will tell you what the best course of action is. This may be simply adjusting your spending and lifestyle habits, so that you can afford your repayments, or there might be a debt solution that can help you.

Some debt solutions allow you to reduce the amount that you pay towards your debts each month, based on what you can afford. It’s always best to seek professional advice when trying to find out which solution would be best for you. 

“…they didn’t push me into anything and advised me of other services available.”

No one who contacts us is under any obligation to take a solution whatsoever – we are here to advise you of the best course of action, not to pressure you into anything. There may be fees payable for some of the debt solutions, but the advice that we give upfront is free and without obligation and whether you decide to take a solution is up to you. 

We’ll tell you which solutions (if any) you are eligible for, and which one would provide the most benefits for you, as well as the downsides. Even when you’ve heard our recommendation, its fine for you to go away and think about it for a while, or discuss it with a partner – in fact, in some cases we’d advise you do this. You’re also not under any obligation to take the solution, although when we make a recommendation, we are always sure to clearly explain what led us to this conclusion so you understand why one route would be better for you compared to another. 

If you were having trouble working up the courage to talk to us about your problem debts, we hope this blog has put your mind at rest. There’s no reason why you can’t feel better about your finances – like these customers did – by picking up the phone and getting the understanding and advice that you need. 

 

by Christine Walsh

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To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.