Independent Financial Advisers

Not quite as good as they seem

Advantages: Accepted by their paymasters (finance companies and banks) so help get them off your back
Disadvantages: Leave you in penury, can't calculate figures properly,

As a charity its hard to knock CCCS too hard but bear in mind they are funded by the financial institutions you owe money to - conflict of interest? Some would say so. CCCS is growing very fast and seems to have bitten off more than it can reasonably chew - basic maths errors are creeping into it's statementing - meaning people get nasty shocks when their balances are quite as good as they thought they were. Stock response is CCCS are a charity ...
...is both a crass and misleading statement. They hold the numbers from the get go - and calculate how much of the money you pay each month gets allocated to which creditor. SIMPLE MATHS, well obviously a bit beyond CCCS. £100 minus £70 would mean a balance of £10 according to CCCS, not the £30 true picture. Very poor service when it comes to getting their "paymasters" to back off on the heavy handed approach. All in all better to go through a truly ...

Andysteve 13.10.2008 · Read full review
Ciao members have rated this review on average: helpful
Review of Consumer Credit Counselling Service (CCCS)

money does not grow on trees

Advantages: Someone else dealing with creditors
Disadvantages: Bailiffs CCJ's etc

...of a kitchen draw. Abacus Financial offer a range of services for those who are a failing to keep up repayments on credit cards, loans, storecards or even house hold bills. They offer remortgages and loans but they also offer a debt managment scheme which is what I would like to inform you about. The current definition of being in debt is when the money you owe exceeds your annual income. With more than half of the population being in the debt ...
...finances and keep the bailiffs from knocking on your door seems to lift a weight from your shoulders or does it just relace it with a ball and chain. Debt management schemes offer a service whereby they take all your existing creditors and repay them at a rate which is lower than your existing contractural payments. They ask you to provide a Financial Statement which consists of your monthly income and outgoings. The financial statement is filled ...

PERFIDIOUS 17.08.2006 · Read full review
Ciao members have rated this review on average: very helpful
Review of Abacus Financial Management

Worst Bank EVER!

Advantages: ZIP
Disadvantages: Not a bank, a vacuum cleaner to the wallet more like.

...been dealing with ATB for a long time, so unfortunately its taken me 12 years to figure out that they are not about the people or companies which I also have had the displeasure of dealing with ATB for. In the last week they have caused me financial havoc, screwing up my online account, my credit cards, overdraft, mortgage. TD is the way to go. They have great deals on no fee accounts, offer giving you free money for switching to them, open late ...

SuperUnknown 21.10.2009 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of A T B Financial Services

Cap helped me out let them help you

Advantages: No more hassles from dept collectors
Disadvantages: Have to remember to pay every week

Christians against Poverty Are you like me have debts and don't know were to turn. I was bad depression was setting in I hid bills ,was almost about to lose my house then my health visitor told me about Christians Against Poverty it is a national debt counselling charity working through a network of 36 centres based in local churches. CAP offers hope and a solution to people in debt through its unique, in-depth service. This was a help I rang my ...
...I would recommend Christians against Poverty to any one it is a help and weight of your shoulders I no longer hide letters and I answer the phone again not worried about a thing If you want more information or a chat advice or want them to help you out like they have me you can right to them at Christians against Poverty. Jubilee Mill, North Street. Bradford. BD1 4EW Ring them on Tel: 01274 760720 or fax Fax: 01274 760345 You can even email them ...

vikkisbest 08.03.2006 · Read full review
Ciao members have rated this review on average: very helpful
Review of Christians Against Poverty

Saving me both time and money - 1 phone call!!

Advantages: Efficient, Charitable
Disadvantages: Paperwork is sometimes a bit slow through the post

...have recommended many people to Towergate as I have been really pleased with them. They also have a taxi scheme whereby taxi drivers can come in and pay weekly. Many Insurance places have this, but Towergate have an offer that means for every 12 weeks you have insurance with them you can get 1 free that you can use then and there or save for when you go on holiday. I think that their service is excellent and they give really good advice and would ...

fionaburton17 16.09.2009 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of Towergate Risk Solutions