http://www.pure-financial-management.co.uk/ Are you struggling to meet your minimum repayments to your credit cards, loans, catalogues or store cards? Call Pure Financial Management today. With one simple phone call we can offer you expert advice based on your situation that is impartial and covering a wide range of options. What is a Debt Management Plan? A Debt Management Plan is an informal agreement between you and your creditors that is arranged by us. Firstly, we will look at how much you owe to all your creditors, we will take details of your household income and expenditure, then work out how much you can realistically afford to repay to your creditors. Make the revised monthly payment to Pure Financial Management, which we then distribute fairly to your creditors. What are the advantages of Debt Management? P You only pay one affordable monthly payment P You will have your own Personal Finance Manager P We will liaise with all your creditors P We will ask creditors to freeze interest and charges P We will pay your creditors on your behalf P We will help you to gain control of your finances Apply Online Today kaw9h3fkernf7sgnn6td http://www.pure-financial-management.co.uk/important-information.html Other debt management companies will take up to 3 of your first payments for themselves. With Pure, we will start to pay Creditors from your very first payment thereby releasing the pressure you are currently under. The sooner you act the sooner you will feel free. Call Now 0800 4 96 95 94 llr15ckger1ldspgxtdk http://www.pure-financial-management.co.uk/application-form.html coming soon........ in the meantime why not call us and we can complete the application form over the phone. 0800 855 0 225 1yl6ur3dby12gfh8ydpy http://www.pure-financial-management.co.uk/usefull-links.html link exchange 5d1n9rv4p9vce9l9mumu http://www.pure-financial-management.co.uk/tenable-accountancy.html Tenable Accountancy Services offers a friendly impartial professional service to sole traders, partnerships and small limited companies. Are you are struggling to keep on top of your business finances? We offer a totally unique service that is tailor-made to suit your business’s individual needs. We pride ourselves in providing an efficient and affordable bookkeeping solution that takes the stress out of dealing with your finances and allows you to concentrate on what you do best, running your business Some of the many services we provide include: ® Sorting your paperwork and records (including inputting on to computer) ® VAT Returns ® Self Assessment ® Report producing In addition we can offer advice on: ® Effective debt collection. ® Assistance on elegant exit strategies – do you want to sell? ® HMRC advice – to ensure you are being compliant and to solve any problems/queries. ® Advice on cashflow issues. ® Help raising finance. ® Financial planning advice – both short & long-term. ® Advice on legal matters. Call us today and see what a difference we can make to your business! 0844 855 0225 www.tenable-accountancy.co.uk zj9jte6nyjq7y9untnne http://www.pure-financial-management.co.uk/sitemap.html site map for pure financial management plans debt based action plans r3kc9uthzegf4acbp33a http://www.pure-financial-management.co.uk/iva.html Applies to individuals, sole traders and partners. It normally lasts 5 years so that you can re-pay your reduced debts over a max of 5 years, and an Insolvency Practitioner will be appointed to calculate how much you can afford each month. You need 75% of your creditors to agree to any proposals and once accepted payments can be made and no creditor can take further action unless you break the agreement. This is an alternative to Bankruptcy. jmnfkxpq8s7xkxbtc1cv http://www.pure-financial-management.co.uk/FrequentlyAskedQuestions.html What is a Debt Management Plan? A Debt Management Plan is an informal agreement between you and your creditors that is arranged by us. Firstly, we will look at how much you owe to all your creditors, we will take details of your household income and expenditure, then work out how much you can realistically afford to repay to your creditors. Make the revised monthly payment Pure Financial Management, which we then distribute fairly to your creditors. How much will I need to pay? It depends on your household income and expenditure. We will discuss your income and expenditure and complete a draft statement from the information that you have provided. How long do I need to make these payments for? It is crucial that you maintain your monthly payments to the Management Plan until your creditors have been repaid, due to the reduced payment levels, this will be longer than the terms of original contractual agreements, or your circumstances change which enable you to make alternative arrangements with your creditors. This is because your creditors may cancel the agreements that we have arranged. We will review your financial situation every six months during the course of your Management Plan. Does it matter if I am a homeowner or tenant? No. We will discuss with you all your household income and expenditure. I live with my parents, can I still do a Debt Management Plan? Yes. We will discuss with you all your household income and expenditure. Do I have to tell my partner? You only have to tell your partner if you have joint debts and/or you need your partner’s income to be included in the management plan. Do I have to be in full time employment? No. In order for the Management Plan to be accepted you need to have a surplus of income after you have allowed for all your household expenditure. Is this a loan? No. Your Management Plan is a repayment plan that allows you to repay your creditors in one manageable payment each month. If you do not make payments into the plan, we cannot make payments to your creditors, and therefore your creditors may cancel the arrangements we have set up. Am I credit checked before the plan is accepted? No. Because we are not lending you any money. Will my creditors accept the Debt Management Plan? Because we have good professional relationship with the creditors, most of them will agree to a realistic payment plan, that is both fair to you and them. We do request the creditors to freeze the interest and charges on the account, they are not legally obliged to, the same applies to any repayment proposals. However most of the creditors do accept them providing we can show to them that it is beneficial for them. I have CCJs against me, can I include these? Yes. You can make payments against any existing CCJs that you have. Please ensure that you let us know of any existing CCJ’s against you, or and pending legal proceedings, including Default Notices. There is no guarantee that any pending legal action will be suspended. One of our Legal Executives will ensure that you receive the best advice on any legal aspect that you may have. Does a Debt Management Plan affect my credit rating ? Your credit rating may be affected because you will be breaking the contractual terms of your credit agreement with your creditors. Your management plan may take between 4-8 weeks to set up therefore there maybe a delay in distributing the first payment and the contractual repayments to your creditors maybe missed. How do I know my debts are being paid ? Once we have received up to date balances from your creditors, your monthly payments between them is pre-portioned based on how much each creditor is owed. We will produce a statement showing how much each creditor will receive. This will remain the same unless your circumstances change. You will be issued a monthly statement showing all transactions on your account. 5116x4137qw8ebkz17k2 http://www.pure-financial-management.co.uk/Debt-Relief-Orders.html What is a debt relief order (DRO)? A debt relief order is an order you can apply for when you can't afford to pay off your debts. It protects you from your creditors and allows you to start afresh but you need to think about it carefully first. A debt relief order normally lasts for one year. At the end of the year, you will be released from the debts you owed at the date of the order. Can I apply for a debt relief order? You can only apply for a debt relief order if you meet the criteria: You have debts of £15,000 or less. (Please see below, certain debts are excluded) Your disposable income is £50 or less per month Have assets worth £300 or less. If you own a motor vehicle it must must be worth £1,000 or less For the last 3 years you must have resided or carried on a business in England or Wales. You will not be able to apply for a debt relief order if: You are currently bankrupt You have a bankruptcy restriction order You currently have been issued with a Bankruptcy Petition by one of your creditors, however dependant on the date of the hearing and if your creditors agree you may be able to apply for a debt relief order. You are currently in an Individual Voluntary Arrangement (IVA) or are applying for an IVA You have had a debt relief order in the last 6 years You have been given a Debt Relief Restriction Order or Undertaking You have applied for an Interim Order What type of debts can be included in a debt relief order? Only certain types of debt can be included in a debt relief order. These are: Credit cards, overdrafts, loans Rent, utilities, telephone, council tax Benefit overpayments and social fund loans Hire purchase and buy now - pay later agreements* *Please note that if you have a hire purchase you may have to return the goods bought with these loans, unless someone else can pay the installments. You will not be able to carry on paying for the goods once you have a debt relief order. There are certain types of debt that can't be included in a debt relief order. You must make alternative arrangements to pay these separately. If you do not keep up the contractual repayments, legal action may take place to recover the debt. These debts include: Court fines Child support and maintenance Student loans 68swd9ksdra3kb93nqva http://www.pure-financial-management.co.uk/corporate.html Tenable Solutions Limited Total Business Recovery & Turnaround Expert Help When You Need It Most We are dedicated to help businesses throughout the UK, to deal with and move on from situations in which they may face financial difficulties. No one likes to think about the possibility of things going wrong, if and when the worst does happen, it`s reassuring to know that Tenable Solutions with its team of professionals are perfectly qualified to help you get through it. Our team has a unique combination of commitment, professionalism, expertise and attention to detail and are only interested in you and your needs, not that of your creditors. This means we can deliver a solution that will always be best suited to your specific needs and circumstances. When you are under growing pressure from the Banks, HMRC, Creditors and possible house repossession, it can sometimes seem as if there is no way out. However, Tenable Solutions can show you many practical alternatives and options by drawing on our unrivalled knowledge and experience, carefully co-ordinating each separate element to deliver a fully integrated, timely and above all, effective solution. There is very little help out there for businesses; Accountants and Solicitors often do not understand your needs and indeed in some cases, “company law”, so invariably you get steered down the unnecessary path of Insolvency. We at Tenable Solutions are committed to working in your interests and no one elses, to protect your assets and minimize your liabilities. We have a network of professional lawyers, barristers, Insolvency Practitioners, Accountants, High Court Sheriffs and business angels that assist us in orchestrating the best possible course of action. By drawing on our unrivalled knowledge and experience, you will find that a problem shared is often a problem solved and those continuing sleepless nights will go away. As many of our clients have found, with Tenable Solutions on their side, not only has their business fully recovered but subsequently gone on to enjoy sustained success. We very much welcome the opportunity to assist and play a part in helping achieve the same for you. Call now 0800 4 96 95 94 You Call Today, We Act Today, The Worry Stops Today www.tenable-solutions.co.uk k7xumgzs4zq29ntwyrsg http://www.pure-financial-management.co.uk/contact.html Please complete details below, and one of our Advisors will call you back to discuss your situation and find the right solution for you. Tenable Solutions Limited Unit 3 Thornes Office Park Monckton Road Wakefield West Yorkshire WF2 7AN t: 0844 855 0 225 f: 0844 855 0 229 www.tenable-solutions.co.uk www.tenable-business-support.co.uk www.tenable-accountancy.co.uk www.tenable-debt-collection.co.uk Consumer Credit Licence.625591 Data Protection Act Registration number Z1579853 kablc61g68kq68squbev http://www.pure-financial-management.co.uk/business-support.html I’m sure we don’t need to tell you that the past two years have been turbulent financially; so many businesses have had to sadly close their doors and cease trading. Some of those businesses may have had their borrowings drastically reduced or their creditors may have withdrawn their credit limit or more serious HMRC may have issued proceedings! If only they’d had someone to discuss this matter with to get a different perspective on their situation - the outcome may have been different! You may currently be a member of organisations such of Business Link or The Federation of Small Businesses – are they fulfilling your needs? Research has told us that the majority of companies feel that they are not getting the support required. Some companies also told us that they go to their solicitor when they have a query which the majority of the time can be costly and does not always solve their long-term problem. We feel that the Tenable Business Support Service is a totally unique product; the package is tailor-made to suit your business’s individual needs. You will be given access to a personal account manager who will be on hand to provide support not just during office hours. We understand that most people in business do not work “9-5” therefore you can contact your personal account manager in the evenings and on weekends too. Whenever you feel you need some friendly, impartial advice. We excel as a company because all of our services are in-house; we have a fully trained and experienced legal department as well as our own accounts department. Once you become a member of the Business Support Service you will be assigned your own personal account manager. Your account manager will oversee all of your queries and ensure that you have the answers quickly and in terms that you understand. Whatever level you are at the TENABLE BUSINESS SUPPORT SERVICE can help you, whether you are a sole-trader or a large Limited Company. We have a wealth of knowledge to assist and share with you. Just some of the services included in our package are:- • On site visit from your Personal Account Manager (if required) • Access to your Personal Account Manager during office hours, evenings & weekends • Advice on all legal matters • Ensuring that your assets are protected correctly • Advice on effective debt collection • Assistance on elegant exit strategies – do you want to sell? • HMRC advice – to ensure you are being compliant and to solve any problems / queries • Advice on cashflow issues • Help raising finance • Financial planning advice – both short & long-term • Assistance with CCJ’s, Stat Demands, Winding-Up Petitions, Writs of FIFA • Monthly newsletter FREE Credit Checks. The above list is not conclusive; if you have a specific requirement that is not listed please do not hesitate to contact us for a friendly, informal chat. Once you have joined the Business Support Service you will be issued with a membership card, this will hold your unique reference number and also the contact details of your personal account manager. From the moment you register with us you can begin to utilise our services and knowledge on the issues that concern you. The Business Support Service is completely flexible; you can subscribe either monthly or annually dependant on your circumstances. Visit Tenable Business Support now. 0844 855 0225 www.tenable-business-support.co.uk ff95nn597rwep5211d8a http://www.pure-financial-management.co.uk/business-recovery.html Tenable Solutions Limited are dedicated to help businesses throughout the UK, to deal with and move on from situations in which they may face financial difficulties. No one likes to think about the possibility of things going wrong, if and when the worst does happen, it`s reassuring to know that Tenable Solutions with its team of professionals are perfectly qualified to help you get through it. Our team has a unique combination of commitment, professionalism, expertise and attention to detail and are only interested in you and your needs, not that of your creditors. This means we can deliver a solution that will always be best suited to your specific needs and circumstances. When you are under growing pressure from the Banks, HMRC, Creditors and possible house repossession, it can sometimes seem as if there is no way out. However, Tenable Solutions can show you many practical alternatives and options by drawing on our unrivalled knowledge and experience, carefully co-ordinating each separate element to deliver a fully integrated, timely and above all, effective solution. There is very little help out there for businesses; Accountants and Solicitors often do not understand your needs and indeed in some cases, “company law”, so invariably you get steered down the unnecessary path of Insolvency. We at Tenable Solutions are committed to working in your interests and no one elses, to protect your assets and minimize your liabilities. We have a network of professional lawyers, barristers, Insolvency Practitioners, Accountants, High Court Sheriffs and business angels that assist us in orchestrating the best possible course of action. By drawing on our unrivalled knowledge and experience, you will find that a problem shared is often a problem solved and those continuing sleepless nights will go away. As many of our clients have found, with Tenable Solutions on their side, not only has their business fully recovered but subsequently gone on to enjoy sustained success. We very much welcome the opportunity to assist and play a part in helping achieve the same for you. www.tenable-solutions.co.uk 9dyulp7m5z8r2bpuu2ch http://www.pure-financial-management.co.uk/about.html Pure Financial Management offers people who are in debt a full range of solutions. Our team has a unique combination of commitment, professionalism, expertise and attention to detail and are only interested in you and your needs, not that of your creditors. This means we can deliver a solution that will always be best suited to your specific needs and circumstances. Pure Financial Management is a trading style of Tenable Solutions Limited (Registered in England and Wales. Company number 06582898). Tenable Solutions Limited also operate tenable-businss-support. Tenable Solutions Limited is licensed under the 1974 Consumer Credit Act Consumer Credit Licence No. 625591 to carry on the business of consumer credit, consumer brokerage, debt administration, debt adjusting and debt collecting. Data Protection Act registration number Z1579853 y21c292vld9q9nqwsfsy http://www.pure-financial-management.co.uk/Bankruptcy.html This is always a last resort if you are in serious debt and no other debt solutions such as an IVA or debt management plan will help. It protects you from your creditors and allows you to start afresh but you need to think about it carefully first. A Statutory Demand is a formal document which can be issued to a debtor who has loan repayment arrears. This is the first step of the legal process a creditor may use to obtain a court order to get you to repay your debt. If you do not repay your debts on time, your creditor may use the power of the courts to get you to settle the debt or start making reasonable payments. A creditor has the option to try to bankrupt you, with a statutory demand being the first step of that process. A Statutory Demand requires you to settle the outstanding debt by either:- Pay monthly/weekly payments A lump sum Secure it against a property or other assets. Within 18 days of receiving a Statuary Demand, you may apply to your local County Court to set it aside under the following circumstances: The amount of money owed is in dispute The debt is not payable now. You are prepared to secure the debt to the creditors satisfaction under the creditors stated terms. The amount owed is less than £750. The statutory demand has been issued in error or does not comply with rules. You can and are about to repay the debt. You have a counterclaim of more than the money owed. Ignoring or failing to comply with a Statutory Demand entitles the creditor to present a petition for bankruptcy 21 days from the date of issue. Some companies use statutory demands as a scare tactic. They know that when someone is unable to repay a debt, they generally have more than one debt and that whoever shouts loudest tends to get paid first. However, you should always take a Statutory Demand seriously. If you have received a Statutory Demand, or have been threatened with one, then please call us for advice. You will have more options to repay your creditors than stated in terms of the demand.