AllClear Finance have solid relations with a solid panel of lenders who we will use to find a loan deal which is right for you.

You can use your loan for a number of different purposes; many of our clients use our loan company services to source a loan for
debt consolidation purposes. But there are many other reasons why you many approach loan companies to find you a loan, such as making home improvement, buying a new car or a wedding.

If you have been turned down for an unsecured loan, wish to repay your loan over a longer term and borrow a large amount, a secured loan through AllClear Finance could be right for you.

AllClear Finance are More Than a Loan Company

AllClear Finance don’t just deal with loans, we are an all round debt solutions provider.

A Secured Loan is not the right solution to your debt problems, you may benefit from making your current debt payments more affordable to you, and we can help you with this aspect too. So no matter what your personal finance needs, we can help you find a debt solution which is right for you.

Call our Debt Advisors today on freephone 0800 048 1762.

Consolidation Loan UK

If you are a UK resident, AllClear Finance can help you with your consolidation loan. The best way to see if you are eligible is
to get in contact with us directly, we will go through your financial circumstance and try to find a consolidation loan which is right for you.

Even if you have a bad credit history, you could still consolidate your debts through a Bad Debt Loan. These are often secured against your property as they reduce the risk to lenders.

Loan Consolidation Alternatives

One of the biggest considerations with loan consolidation is that the loan will be secured against your house. If you think that
your circumstances may change or don’t feel confident that you will be able to make payments to your news loan, there are loan consolidation alternatives for you to consider.

Debt Management Plans can reduce the outgoings to your creditors, meaning that you are consolidating the debt into a lower monthly payment without the need for a consolidation loan.

AllClear Finance can offer you free information about loan consolidation, as well as the alternatives, on 0800 048 1762.

Two common reasons for an IVA failing are:
- Debtor fails to supply information about their circumstances
- Debtors fails to make payments to their IVA

If you think that you are going to miss a payment to your IVA or that you may fail on some of the IVA terms, it is important that you speak to your IVA Supervisor immediately.

How to Stop your IVA Failing

It is important that you have honest and open communications with your IVA Supervisor throughout the length of the IVA. Remember
that failure to comply with the conditions of your IVA means that your creditors can start bankruptcy proceedings against you.

If your personal circumstances change during the term of your IVA, then you need to contact your IVA Supervisor. They may be able to re-assess your situation and present a revised IVA proposal to your creditors. Each IVA case is different and your options will be dependant on the original clauses of your IVA.

If the IVA fails for any reason, then you will lose the benefit of having your unaffordable debt written off and you will be liable for the whole amount.

If your creditors decide to modify the IVA agreement, it does mean that the IVA process will take a little longer. It can take up to two weeks for these modifications to be made and distributed to your creditors.

However, if 75% of your creditors, in terms on the debt value, do not agree to the proposal, it means that your IVA has been rejected.

Why was my IVA rejected?

There are a number of reasons why your creditors may reject your IVA, and it is dependant on the individual circumstances of your IVA proposal.

Creditors will decide which debt solution will offer them the highest return, either IVA or bankruptcy. Therefore it is always important that your IVA proposal offers both you and your creditors a fair deal.

My IVA has been rejected, what next?

If your IVA negotiations are rejected, then there are other alternatives which you may want to consider, such as a debt management plan or bankruptcy. AllClear Finance are here to help, and we will offer you assistance about which IVA alternatives offer you the greater number of benefits.

Contact the AllClear Finance IVA team on 0800 048 1762.

It is an informal creditor agreement and your monthly payment will be evenly distributed between your creditors. AllClear Finance would negotiate with your creditors on your behalf so that we can make your monthly payments more affordable to you.

AllClear Finance: Debt Management Benefits:

• You regain financial control with just one lower monthly payment. You only pay what you can afford once you have paid all your essential bills.
• Removes any stress and worry from creditor phone calls or letters.
• You can forward letters and refer any phone calls to ourselves, as we will deal with them as part of our service.
• We will work with your creditors to try and get your interest and charges frozen, but this cannot be guaranteed.
• Flexibility, as if your circumstances change then your plan can be altered accordingly.

If have debt levels of more than £15,000 of unsecured debt, then an IVA could be your best option.

Not sure if a Debt Management Plan is right you? Take the AllClear Finance 1 Minute Debt Test to see your potential debt solutions.

For no-obligation help and information, please call our freephone number on 0800 048 1762, or fill in your details in the Quick Enquiry Form so we can call you back.

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AllClear Finance is part of the One Advice Group Ltd.

IMPORTANT NOTICE: AllClear Finance is a trading style of Harrington Brooks (Accountants) Ltd, and is NOT related to AllClear Finance Ltd in Sheffield who have received a Final Notice from the FSA to cease regulated sales.