Hi, I'm Jez Mangley and I've been advising people on their finances and mortgages for many years.
As well as helping clients with Mortgages, Secured Loans & Life Assurance, I'm also a Consultant with The Personal Debt Consultant, so I can help if you are struggling with debt. Many people don't believe they can have big reductions in their payments to creditors and that companies that offer this service are lying or that it's going to cost them more in the long term. I can't vouch for every company, but there's no tricks or secrets involved, if you can't afford to make full payments and have a life, unsecured lenders cannot force you and, as long as you pay what you can afford, they can't take your possessions off you. Why not find out how Jez Mangley and the Personal Debt Consultant can help you.
""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""
Are you DROWNING IN DEBT? - Many people tell me they are managing their finances fine and don't want to spoil their credit score because they might want to re-mortgage or borrow more in the future, but they are struggling.
They have no spare money, they have late payment charges on their credit cards, they have unauthorised overdraft charges on their bank account and they worry about how they can survive financially.
What they don't realise is that their credit score is already gone. If lenders feel you have too much credit, they won't lend anything to you anyway. This includes a mortgage, even if you just want to switch your mortgage to another lender, they want to check income and affordability, if you don't have spare income you can't switch the mortgage and that won't feel good when rates rise.
If your debts are not reducing, if you are treading water, if your finances are causing you stress, we can help negotiate a repayment plan with your creditors. It will effect your credit score, but not the same as Bankruptcy or an IVA - the important thing is that monthly payments will be affordable for you and in most cases, interest and charges stop so that you really are reducing the amount you owe.
We really can get you, debt free!
Call Jez on 07740 343666 or 01704 320014 of email me on jez@mangley.com
Don't put off sorting your finances, it has to be dealt with sometime, let your Personal Debt Consultant Deal with it NOW!!
For more information click here: Personal Debt Consultant
+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
Mortgages have been much more difficult to obtain since August 2007 if you have had any adverse issues; these could be minor issues like a couple of late credit card payments or maybe all or part of your income is not guaranteed.
What has made life easier for people looking for a mortgage is the advice of a professional independent mortgage broker as this allows people 1 contact for a large amount of lenders rather than lots of conflicting advice from different sources.
Independent mortgage brokers also caused competion amongst lenders as it allowed consumers to easily compare products that were available to them. THE LENDERS WANT TO STOP THIS!
They are suceeding too, with the backing of the government. Many lenders now, on a routine basis, hold back good mortgage deals from the mortgage brokers and only offer them to customers who go to them direct. This applies mainly to mortgages on residential properties, the house you live in.
Buy to Let and Commercial Mortgages are specialist mortgages and you are almost always better off dealing with an Independent Broker. Many big lenders are not lending commercial loans, although they're not saying this publicly, but there are lenders who will and they are often smaller building societies or banks.
Very few lenders now lend on Buy to Let properties, but there are good deals to be had if you fit the criteria.
If you want more information on current residential mortgages you can visit the FSA website for a list of best buy products by clicking here ... FSA COMPARISON TABLES
If you want individual tailored advice on Buy to Let Mortgages or Commercial Finance, or if you are an existing or previous client of mine and require any information click here to email me ..... JEZ MANGLEY If you prefer you can call me on 07740 343666
I can also help with other solutions, to reduce your expenditure, if you do not want to borrow more money.
_______________________________________________________________________________________________________
Miss-Sold Payment Protection Insurance & Unenforcable Credit Card Agreements
I'm sure there's hardly anyone reading this who hasn't read the adverts or heard them on the radio telling you that they can make your debts disappear..... but does it work?
It appears that most banks and other loan providers have sold customers Payment Protection Insurance to help the lender, not the customer. There are rules though and these rules say that these Payment Protection Insurance policies should only be sold if it's in the best interests of the customer. Even if you wanted Payment Protection Insurance, in virtually every case, you could have got a more flexible and cost effective policy elsewhere. The lenders were meant to tell you that you have a choice. Did your lender tell you?
If not give Jez Mangley a call on 07740 343666 or 01704 320014 or jez@mangley.com
To check if credit agreements are enforceable or fair, you need a good knowledge of the Consumer Credit Act and you need to be good in court and have the financial backing to get there. Some Claims Management Companies charge very high fees up-front and when the loan is wiped off, some companies charge very low fees, but can't afford to take the lenders to court ..... and the lenders don't give up easily.
These are the important things you need to consider when looking for a help with wiping out debts that are unenforceable or unfair. Credit Clear UK can, in many cases, audit your credit card agreement with NO UP-FRONT CHARGES. If you want further information or to apply online you can click the Logo ....
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
One of the best ways to beat the stress is to not have children, unfortunately as I'm past the point of no return on this one I keep running away from them. For my 42nd birthday I got a Nike + iPod to measure to measure how far and how fast I'm going
First time out was on 3rd October 2008 results are;
