Financial Consultants& Advisers

LIFE SUCKERS OF HUMANITY

Advantages: none
Disadvantages: many

I like many were drawn in by the amazing helpfulness of the baines&earnst advert, 'cut down you monthly out goings for a better life'. 'quickly remove your debts without the worry'. It's all camel dung as i found out the hard way. I had a pregnant wife £11,000.00 pounds of debt and i just lost my job, sitting at home depressed and full of sorrow about my situation an advert ,bains&earnst we willl help you get back on your feet go on give us a call. ...
...'we will take all your debts speak to the relevant people and that's all you do. 'youpay us £140.00 a month and we will do the rest'. did they mention that they would be adding there own fee's every month. NO. did they mention that there is no time scale to how long you pay them back. NO. did they even mention that you would still recieve court threats from your debters even though they were being payed every month (and always late i might add) NO. ...

homer385 18.03.2005 · Read full review
Ciao members have rated this review on average: helpful
Review of Baines & Ernst Dept [TV Advertisement]

Light at the end of the tunnel - affordable help

Advantages: Helps you get out of debt
Disadvantages: cant think of one

I am currently trying to sort out my debts after getting in a mess. B&E have helped me so much what I did was Phone up after seeing the advert for them and wanted to find out more about it. Ive met a wonderful women so I want to get straight for her. They went through all of my ingoings and outgoings and calculated a monthly affordable payment. Yes they do take a slight cut of the money but in return you get regular calls all free envelopes and most ...
...saving money in the long run. all I do is when i get a bill now send it in a pre-paid envelope and my stress is all gone I can now sleep properly knowing I can afford this payment and in 25 months it will be all finished the staff are friendly and helpful to any problems you have. what a relief ...

samsam78 19.09.2003 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of Baines & Ernst Dept [TV Advertisement]

debt management...debt mismanagement

Advantages: your monthly outgoings will decrease
Disadvantages: you will never pay the initial amount off

I had to contact Baines and Ernst a couple of years ago, (or so I thought after seeing them on the tv) my out goings were not exceeding my income but not leaving me much at the end of the month. So I thought that all my problems were over. I rang the number given and gave them all my credit info they requested, Then they told me to stop paying. once I stopped paying everything i had then to send all the late payment letters to them for them to negotiate ...
...i sent them all to Baines and ernst as i was asked to for them to sort out. They sent out statements detailing how much i had paid and how much was going to my creditors. The amount owed was actually going up as they hadn't arrranged for interest to be stopped and the paymetns i was making wasn't even covering interest in most cases. In the end i stopped paying through them and contacted the CAB, i filled in some forms and sent them to my creditors ...

mobile3 01.06.2003 · Read full review
Ciao members have rated this review on average: helpful
Review of Baines & Ernst Dept [TV Advertisement]

Increase your debt with Baines and Ernst...

Advantages: You think it's all sorted....
Disadvantages: Extended Payment time, Pay huge fees, Not legally binding

Baines & Ernst are the biggest Debt management company in the UK. Impressive huh? One of my mates enlisted their help as he found himself in a situation where his sleep was affected, he worried constantly, he had used all his credit cards to the limit and got loans to have a nice life... It all started when his long term partner ditched him for a bloke with more money and a better job, but hey thats another story... He felt down and wanted to ...
...and noticed the advert for Baines and Ernst...His problems then started after months of confidence with B&E.... A debt management company exists essentially to as the title says manage debt, which means that they negotiate a lower monthly payment figure with your creditors, they ensure that the mortgage is paid firstly and everyone is given a percentage of your income which you can afford to give.. The money you can give is all calculated out with ...

Johnsie 23.05.2002 · Read full review
Ciao members have rated this review on average: very helpful
Review of Baines & Ernst Dept [TV Advertisement]

You suck

Advantages: You'll never get in debt again
Disadvantages: You'll never get any credit again

...these ads on TV for Baines & Ernst, it sounded so easy, I'd give them my problem creditor, pay them for the inconvenience and let them deal with it, yeah, that was it. How could I have been so foolish? Before I knew it, I’d handed my soul to the devil and was paying him in monthly instalments for the privilege of destroying my life. Baines & Ernst told me that as a client I was in no position to pick and choose which debts I kept and which ...
...risk. I signed with Baines & Ernst, now I pay the price. It’s been a year since I signed my life away to Baines & Ernst. I’ve had my bank accounts closed and I’m facing my first, of probably many, CCJ’s, which is due to be issued in the next 10 days. A CCJ, I’ll have that on my file for the next 6 years. The best laugh is, it’s my bank who’s serving me with it, I never had a problem with my bank until I ...

Justice 01.02.2001 · Read full review
Ciao members have rated this review on average: very helpful
Review of Baines & Ernst Dept [TV Advertisement]