Easierdebt - Making Life more affordable

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Easierdebt are a company dedicated to making your debts more manageable each month.

"Combine your debts into one affordable monthly payment with our Debt Management Programme."

At Easierdebt, we understand debt. We know how easy it is to slide into unmanageable debt, but most importantly, we know how to get you out of debt.

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Increase in debt advice inquiries

More people are seeking advice about debt in Jersey, the island's Citizen's Advice Bureau says.

Hidden debts 'amount to billions'

People in the UK owe £55bn in debts that are hidden from family members, according to a survey.

Government debt advice 'failure'

The management of the government's strategy for helping people in debt has been branded a "complete failure" by MPs.

Debt firm to create 100 new jobs

The credit and debt recovery company, Mackenzie Hall, is to double its workforce at its Kilmarnock call centre.

Church plans to run bowling alley

A church hopes to open a bowling alley on the site of a former cheese packing factory to help bring jobs to its local community.

Debt advice for the East Midlands

Some homeowners in towns and a city in the East Midlands are identified as needed advice on mortgage arrears.

Poor fall victim to loan sharks

Some of the UK's poorest people are starting the new year in severe debt after borrowing from loan sharks, a report says.

Personal debts: your questions answered

Kevin Boon of the Consumer Credit Counselling Service answers your questions about dealing with your debts.

KPMG achieves growth in recession

KPMG, the accountancy and business consultancy partnership, grows its Scottish business through the recession despite seeing a decline across the UK.

Lenders 'too fast to repossess'

Lenders are failing to exhaust all possible ways of keeping people in their homes in a third of repossession cases, charities say.

Extra funding for debt advisers

Extra funding is given to the Citizens Advice Bureaux (CAB) in West Sussex to help provide debt advice over the winter.

People in debt 'go without food'

Almost half of people seeking debt advice from Citizens Advice Scotland have gone without food or fuel to pay what they owe.

In-debt islander numbers on rise

The Citizens Advice Bureau in Jersey is dealing with an increase in queries from people facing debt problems.

'Good progress' at Northern Rock

Nationalised bank Northern Rock says it is making "good progress" in restructuring its finances amid accelerating mortgage lending.

Avoid more debts this Christmas

How to cope with the extra demands on your pocket at Christmas

Debt management under spotlight

A watchdog is to monitor the largely unregulated debt management industry to ensure fair treatment for customers.

Can credit cards mess with your mind?

How a psychological phenomenon called "the anchoring effect" could be costing you money.

Stress from debt 'costing £450m'

About 250,000 Londoners suffer from mental health problems as a result of debt, costing the NHS £450m a year, a report claims.

Debt advice agencies 'swamped'

How have advice agencies been coping with increased demand in the credit crunch?

Concern over rising debt problems

Debt is the biggest concern for those seeking help from Citizens Advice Scotland, with a 14% rise in debt-related issues.

Debt Management Plans Explaination of costs/fees and affect on your credit rating:

You will pay to us the first two monthly payments on the dates specified, this will be our programme set up fee and not paid to creditors.This charge is for our programme set up costs which include compiling financial statements, proposals to creditors in writing and phone calls. This may affect your credit rating and will put you further in arrears. Each month thereafter we will charge you 15% of the agreed payment amount or a minimum of £30.00. All fees charged are VAT exempt.

Insolvency Service: In Debt? Dealing with your creditors

Cooling off:

If you deem that the programme is not providing you benefit you are entitled to cancel at any time giving us notice. If the initial fee has been received, we will only refund this if the programme has been cancelled in writing within 14 days since receipt of this money and this period cooling off time to reconsider. If you wish to cancel your programme but the monthly
payment to your creditors has already been made we will be unable to refund any monies to you. You may cancel the programme at any time and be entitled to a refund of any monies held by us that have not yet been sent to your creditors in the form of a payment, minus the monthly management fee, which will be retained by us for work undertaken on your behalf.
You may cancel the programme at any time by giving notice in writing to us. Our authority to deal with your creditors will be rescinded. Your creditors may revert back to the original terms of your contract with them.