Debt Consolidation Solutions for UK Gambling Debts

Exploring the Complexities of Gambling Debt in the UK

Revealing Alarming Statistics Related to Gambling Debt

The prevalence of gambling debt in the UK has escalated to alarming proportions, transforming into a pressing public health issue that demands immediate attention. Recent studies indicate that millions of adults are engaged in various forms of gambling activities. According to the Gambling Commission, approximately 14 million adults participate in gambling, and a troubling number develop problematic behaviors that lead to crippling financial obligations. The cumulative debt incurred from gambling has surpassed £1.2 billion, a staggering statistic that underscores the gravity of this crisis. Alarmingly, around 400,000 people in the UK are categorized as problem gamblers, frequently unable to control their impulses and resorting to loans or credit facilities to sustain their habits. This financial strain not only impacts the individual but also reverberates through families and communities, causing deep psychological and emotional distress.

Furthermore, the surge in online gambling platforms has intensified this issue. The convenience and anonymity of these platforms allow individuals to gamble well beyond their financial limits. Research shows that the average debt of those grappling with gambling-related issues can exceed £30,000, trapping them in a relentless cycle of borrowing that becomes increasingly difficult to escape. Given these distressing statistics, it is crucial for gamblers to become aware of early warning signs of financial distress and proactively seek assistance to manage their financial obligations effectively.

Identifying Key Factors Leading to Gambling Debt

The rising incidence of gambling debt among individuals in the UK can be attributed to a multitude of contributing factors. A significant aspect is the illusion of control that many gamblers experience, mistakenly believing they can influence the outcomes of games or betting events. This misguided belief often drives gamblers to wager larger amounts, convinced they can recover their losses, a scenario that rarely materializes. Additionally, the exhilarating thrill associated with gambling can cloud judgment, pushing individuals to wager more than their financial circumstances allow, thereby exacerbating their debt issues.

Moreover, the social dynamics surrounding gambling play a substantial role. Peer pressure and a strong desire to belong can lead individuals to engage in reckless gambling behavior, often influenced by friends or relatives who partake in similar activities. The normalization of gambling within mainstream culture, where advertisements portray it as an exciting and harmless pastime, further complicates the situation.

Underlying psychological challenges such as anxiety, depression, and low self-esteem can also propel individuals toward gambling as a means of escape, ultimately resulting in significant financial distress. Recognizing these underlying factors is essential for effectively tackling the escalating problem of gambling debt in the UK and developing suitable solutions.

Examining the Impact of Gambling Debt on Individuals and Families

The repercussions of gambling debt on both individuals and their families can be profoundly damaging. For the individuals affected, the accumulation of debt can lead to severe psychological strain, heightened anxiety, and depression. The constant anxiety surrounding financial instability often overwhelms their thoughts, culminating in adverse mental health consequences. Many find themselves ensnared in a vicious cycle, where their gambling activities intensify as they attempt to cope with their financial burdens, leading to escalating debt and emotional upheaval.

Families bear the brunt of gambling-related debts as well. Relationships frequently suffer as trust erodes and financial pressures increase. Partners often struggle to comprehend the compulsive behaviors exhibited, leading to conflicts, and in severe instances, separation or divorce. Children in these households may experience neglect or emotional distress as parents prioritize gambling over family responsibilities, thus creating a toxic environment.

In extreme circumstances, individuals may resort to illegal actions to settle their debts, resulting in significant life-altering repercussions, including criminal charges and imprisonment. The effects of gambling debt extend far beyond the individual, impacting the entire family unit and often resulting in long-lasting financial instability. Addressing these challenges is crucial for fostering healthier family dynamics and promoting financial literacy among those affected by gambling debt.

Understanding Debt Consolidation: A Strategic Approach to Financial Recovery

Gaining a Comprehensive Understanding of Debt Consolidation

Debt consolidation serves as a financial strategy aimed at merging multiple debts into a single loan, facilitating more efficient management of repayments. In the UK, this approach is particularly significant for those grappling with debt consolidation for gambling debts, as it offers a structured pathway to regain financial control. By consolidating debts, individuals often have the opportunity to secure lower interest rates, making repayment more manageable over time.

This process typically entails securing a new loan to pay off existing debts, consolidating them into one monthly payment. Such a strategy simplifies budgeting, allowing individuals to focus on a single payment instead of juggling multiple creditors. Moreover, it can enhance credit scores over time, provided the new loan is managed responsibly. However, individuals must carefully assess whether the terms of the new loan are genuinely more favorable than those associated with their current debts, as failing to do so may exacerbate their financial predicament.

Comprehending the intricacies of debt consolidation is critical for individuals battling gambling debts, as it requires careful planning and consideration of various repayment options. While debt consolidation can be an effective tool in achieving financial stability, individuals should evaluate their unique circumstances and seek professional guidance when necessary.

Exploring Various Debt Consolidation Options Available

In the UK, a variety of debt consolidation options are accessible for individuals aiming to manage their debts more effectively. One of the most prevalent methods involves personal loans, which can be utilized to pay off existing debts. <a href="https://limitsofstrategy.com/secured-loans-arrears-next-steps-you-should-know/">Secured loans</a>, where the borrower offers an asset as collateral, typically feature lower interest rates; however, they carry the risk of losing the asset if repayments are not maintained.

Another viable option is a debt consolidation plan, wherein individuals collaborate with a debt management company to establish a structured repayment plan with creditors. This often includes negotiating lower interest rates or extending repayment terms, thereby easing the burden for borrowers managing their debts.

Additionally, credit cards offering zero percent introductory rates for balance transfers are popular among those looking to consolidate debts. Borrowers can transfer existing balances to a new card and benefit from a temporary interest-free period. However, it is vital for borrowers to pay off the balance before the promotional period expires to avoid incurring substantial interest charges.

Finally, individuals may consider remortgaging their homes to access equity, which can then be utilized to pay off debts. While this method allows access to larger sums of money, it also carries the risk of losing one’s home if repayments are not upheld. Each type of consolidation method possesses its strengths and weaknesses, necessitating careful consideration based on individual circumstances.

Evaluating the Advantages and Disadvantages of Debt Consolidation

The advantages of debt consolidation for gambling debts can be considerable, particularly for those seeking to regain control over their financial situations. One of the primary benefits is the simplification of payments. By consolidating multiple debts into one, individuals can streamline their monthly obligations, making budgeting and financial management far more straightforward. This reduction in complexity alleviates stress and provides a clearer path toward financial recovery.

Moreover, debt consolidation can frequently lead to lower interest rates, especially for individuals with solid credit ratings. This can result in substantial savings over time, allowing borrowers to allocate more funds toward repaying the principal debt instead of interest charges. Additionally, successfully consolidating debts can enhance credit scores, reflecting responsible financial behavior and decreasing the overall credit utilization ratio.

However, it is crucial to weigh the risks associated with debt consolidation. If an individual fails to make timely payments on the new consolidated loan, they may face increased interest rates or penalties, further complicating their financial situation. Additionally, consolidating debts does not address the root causes that led to gambling problems; without the right support and management strategies, individuals may find themselves accumulating debt again.

Furthermore, some debt consolidation products may entail hidden fees or costs that exceed initial expectations. Conducting thorough research and understanding the terms of consolidation loans is essential for making informed decisions. Striking a balance between the benefits and risks is vital for individuals considering this approach to managing gambling debts.

Identifying Eligibility Criteria for Debt Consolidation in the UK

Understanding Credit Score Requirements for Successful Debt Consolidation

In the UK, credit score requirements play a pivotal role in determining eligibility for debt consolidation. Lenders typically assess a borrower’s credit history and score to evaluate reliability and potential risk. A higher credit score generally signals lower risk for lenders, enhancing the likelihood of qualifying for favorable loan terms, including reduced interest rates.

Most lenders establish specific credit score benchmarks, with many preferring applicants to have a score of at least 580 to 600 on the FICO scale. Individuals falling below this threshold may encounter challenges in securing a consolidation loan or may be offered loans with higher interest rates. Understanding one’s credit score is crucial for anyone exploring debt consolidation options, as taking proactive steps to improve their score can lead to more favorable borrowing terms.

For those grappling with gambling debts, regularly reviewing credit reports for inaccuracies or discrepancies is advisable, as these may negatively affect scores. By addressing these issues and managing debts responsibly, individuals can work towards enhancing their credit ratings and increasing their chances of successful consolidation.

The Significance of Income and Employment in Debt Consolidation Eligibility

Income and employment status are significant determinants in assessing eligibility for debt consolidation in the UK. Lenders typically seek stable and sufficient income levels to ensure borrowers can fulfill their repayment obligations. A consistent job with a reliable income reflects financial stability, which is essential for lenders when evaluating loan applications.

Generally, applicants must provide proof of income, such as payslips, tax returns, or bank statements during the application process. Self-employed individuals may face additional scrutiny, as lenders might require more extensive documentation to verify income levels. Borrowers need to have a clear understanding of their financial landscape and be prepared to present their income details transparently throughout the application process.

For individuals who are unemployed or have irregular income, obtaining debt consolidation might be more challenging. However, some lenders may still offer options, especially if the applicant holds other assets or has a co-signer with stable income. Seeking financial advice can assist individuals in precarious employment situations to explore potential debt consolidation options tailored to their specific circumstances.

The Role of Debt-to-Income Ratio in Debt Consolidation Applications

The debt-to-income ratio (DTI) is a critical factor influencing eligibility for debt consolidation in the UK. This ratio measures the percentage of an individual’s gross monthly income allocated toward debt repayments. Lenders generally prefer borrowers to maintain a DTI of 40% or lower since this indicates a manageable level of debt relative to income.

A high DTI may signal to lenders that an individual could struggle to manage additional debt responsibly. For those burdened with substantial gambling debts, a high DTI complicates the consolidation process, making it essential to address and reduce existing debts before applying for new loans.

To enhance their DTI, individuals might consider strategies such as increasing their income through side jobs or reducing unnecessary expenses. By concentrating on debt reduction and boosting income levels, individuals can improve their financial standing, making it easier to qualify for consolidation options that effectively address their gambling-related debts.

Successfully Navigating the Debt Consolidation Application Process

Selecting the Appropriate Lender for Your Debt Consolidation Needs

Choosing the right lender is a critical step in the debt consolidation journey, particularly for individuals managing gambling debts. With a plethora of financial institutions and lenders available in the UK, conducting thorough research is essential to find a lender that aligns with individual needs and circumstances.

When evaluating potential lenders, individuals should take into account various factors, including interest rates, loan terms, fees, and the quality of customer service. Selecting lenders with transparent fee structures is crucial, as hidden costs can significantly affect the overall affordability of the loan. Reading customer reviews and seeking recommendations can provide invaluable insights into a lender’s reliability and reputation within the market.

Additionally, comparing several lenders allows individuals to gain a comprehensive understanding of the different options available. This comparison not only helps in identifying competitive rates but also enables borrowers to choose lenders that offer flexible repayment terms tailored to their specific financial situations. Those with gambling debts should remain mindful that certain lenders may specialize in assisting individuals with problematic financial behaviors, providing additional support during the consolidation process.

Steps to Navigate the Debt Consolidation Application Process

The application process for debt consolidation in the UK generally comprises several key steps, starting with gathering essential documentation. Individuals should compile vital financial information, including details of existing debts, income statements, and credit reports, to present a comprehensive overview of their financial situation.

Once prepared, applicants can approach their chosen lender, whether online or in person, to initiate the application process. The lender typically requires a completed application form, which includes personal details, financial information, and consent to perform a credit check. After submission, the lender will assess the application, taking into account factors such as credit history, income, and overall financial health.

If approved, the lender will outline the loan terms, including interest rates and repayment periods. It is essential for applicants to meticulously review these terms before acceptance, ensuring they fully understand their obligations and the implications associated with the loan. Once all parties reach an agreement, funds are typically disbursed, allowing borrowers to repay their existing debts and embark on their journey toward financial recovery.

Essential Documentation Needed for Debt Consolidation Applications

When applying for debt consolidation in the UK, several key documents are usually required to enable lenders to accurately assess an individual’s financial situation. Essential documentation includes proof of identity, such as a passport or driving licence, which verifies the applicant’s identity and residency.

Moreover, borrowers must provide evidence of income, which could comprise recent payslips, P60 forms, or tax returns for self-employed individuals. This information aids lenders in evaluating the applicant’s capacity to make timely repayments. Additionally, applicants should prepare a comprehensive list of existing debts, including account numbers, outstanding balances, and the names of relevant creditors, to present a detailed picture of their financial obligations.

Lastly, individuals seeking debt consolidation may need to supply their credit reports to facilitate the lender’s assessment process. By being well-prepared with the necessary documentation, borrowers can streamline their application process and enhance their chances of successfully securing a debt consolidation loan tailored to their needs.

Debt Consolidation Loans Specifically for Gambling Debts

Comparing Secured and Unsecured Loans for Effective Debt Consolidation

When contemplating debt consolidation for gambling debts, individuals must decide between secured and unsecured loans, each presenting unique characteristics and implications. Secured loans require the borrower to provide collateral, typically an asset such as a home or vehicle. This arrangement often results in lower interest rates, making it an appealing option for individuals with substantial gambling debts. However, the primary risk lies in the potential loss of the asset if the borrower fails to meet repayment obligations.

Conversely, unsecured loans do not necessitate collateral, rendering them less risky in terms of asset security. However, this type of loan typically carries higher interest rates due to the increased risk for lenders. Unsecured loans may be suitable for individuals unwilling to jeopardize their assets or those lacking valuable collateral.

When selecting between these two loan types, individuals should carefully assess their financial situations, considering interest rates, repayment terms, and overall affordability. Consulting with a financial advisor can provide valuable insights and assist borrowers in choosing the most suitable option for consolidating their gambling debts.

Evaluating Interest Rates and Terms for Debt Consolidation Loans

Interest rates and repayment terms are crucial aspects to consider when exploring debt consolidation loans for gambling debts in the UK. The interest rate significantly influences the overall cost of the loan, determining how much borrowers will ultimately pay over the loan term. On average, personal loans for debt consolidation can range from 3% to 36%, depending on the individual’s creditworthiness and the lender’s policies.

Borrowers with higher credit scores may qualify for lower interest rates, making it essential for individuals to work on improving their scores before applying. Furthermore, understanding repayment terms is critical, as they dictate the loan’s duration and the required monthly payments. Typical loan terms can span from one to seven years, with shorter terms generally resulting in higher monthly payments but lower overall interest costs.

Individuals should carefully evaluate their financial capabilities when selecting loan terms, ensuring they can comfortably meet their repayment obligations without reverting to gambling behaviors. The goal of debt consolidation is not solely to manage existing debts but also to cultivate a sustainable financial future.

Understanding Loan Amounts and Effective Repayment Strategies

The loan amounts available for debt consolidation in the UK can vary significantly, depending on the type of loan and the lender’s policies. Secured loans generally allow borrowers to access larger sums due to the collateral provided, often ranging from £10,000 to £100,000 or more. In contrast, unsecured loans usually impose lower maximum amounts, generally capped at around £25,000, contingent on the lender and the borrower’s financial profile.

When consolidating gambling debts, individuals must select a loan amount that adequately covers their existing obligations while remaining manageable within their budget. Overborrowing can exacerbate financial pressure, undermining the benefits that consolidation aims to achieve.

Effectively managing repayments is essential to ensuring the success of the consolidation process. Borrowers should create a comprehensive budget to track their income and expenditures, prioritizing monthly repayments. By maintaining a disciplined financial approach and avoiding new debts, individuals can work toward achieving their financial goals and breaking free from the cycle of gambling debt.

Assessing the Impact of Debt Consolidation on Credit Scores

Consolidating gambling debts can significantly affect an individual’s credit score, both positively and negatively. On the positive side, successfully consolidating debts may enhance credit scores by lowering the overall credit utilization ratio, which is the percentage of available credit being used. Reducing this ratio signals responsible credit management, potentially increasing an individual’s creditworthiness.

Conversely, it is essential for applicants to recognize that applying for a new loan can initially lead to a temporary decline in their credit scores due to hard inquiries conducted by lenders. This effect is generally short-lived, and if repayments are made consistently and on time, individuals are likely to see their scores rebound and improve in the long run.

To maintain a healthy credit score after consolidation, borrowers should prioritize responsible financial management. This includes making timely payments, avoiding new debts, and regularly monitoring their credit reports for inaccuracies. By adopting prudent financial habits, individuals can not only recover from gambling debts but also establish a solid foundation for a secure financial future.

Finding the Right Lender for Your Debt Consolidation Needs

Choosing a reputable lender for gambling debt consolidation is vital for ensuring a smooth and effective process. Individuals should focus on lenders that specialize in providing financial solutions for those grappling with problematic debt, as these institutions often offer tailored services and support.

When evaluating potential lenders, it is crucial to assess their terms, interest rates, and quality of customer service. Transparency in fee structures and loan terms is essential, as hidden charges can complicate repayment and lead to further financial strain. Engaging with multiple lenders allows individuals to gain a comprehensive understanding of available options, enabling them to select the best fit for their unique circumstances.

Reading customer reviews and seeking recommendations can help individuals gauge the reputation of potential lenders. Collaborating with professionals, such as financial advisors or credit counselors, can provide additional insights and support, guiding borrowers in making informed decisions throughout the consolidation process.

Examining Alternatives to Debt Consolidation

Exploring Debt Management Plans as a Practical Alternative

Debt Management Plans (DMPs) represent a practical alternative to debt consolidation for individuals facing gambling debts in the UK. A DMP involves negotiating with creditors to create a manageable repayment plan that aligns with the borrower’s financial capabilities. This option is particularly beneficial for those who may not qualify for traditional loans due to poor credit ratings or unstable income.

Within a DMP, a debt management company typically acts on behalf of the borrower, negotiating lower monthly payments and possibly reducing interest rates with creditors. This arrangement can provide significant relief for individuals overwhelmed by gambling debts, allowing them to make consistent payments while working toward financial recovery.

However, it is vital for individuals to choose a reputable debt management company, as some may impose high fees or deliver ineffective services. Conducting thorough research and seeking recommendations can assist individuals in identifying a trustworthy provider capable of guiding them through the DMP process.

Considering IVAs and Bankruptcy as Serious Alternatives

Individual Voluntary Arrangements (IVAs) and bankruptcy represent two more drastic alternatives for managing gambling debts in the UK. An IVA is a legally binding agreement between a debtor and their creditors, allowing individuals to repay a portion of their debts over a specified timeframe, typically five years. In exchange, creditors consent to write off any remaining debt after this duration. IVAs may be suitable for individuals burdened with substantial debts who have exhausted other options and seek structured assistance.

Bankruptcy, while considered a last resort, offers individuals the opportunity to eliminate their debts. However, it carries significant consequences, including potential asset loss and a lasting impact on credit scores. Those contemplating bankruptcy should seek comprehensive advice and carefully evaluate their options, as it can profoundly affect their financial future.

Both IVAs and bankruptcy provide unique advantages and disadvantages, necessitating a thorough understanding of individual circumstances before proceeding. Consulting with financial professionals can help individuals determine the most appropriate course of action for managing gambling debts.

Utilizing Credit Counseling Services for Effective Financial Guidance

Credit counseling services in the UK offer invaluable support for individuals grappling with gambling debts. These services provide financial education, budgeting assistance, and strategies for effectively managing debt. By collaborating with a trained credit counselor, individuals can gain insights into their financial situations, enabling them to develop realistic repayment plans and achievable goals.

Credit counseling often includes workshops and seminars focused on financial literacy, empowering individuals with the knowledge necessary to make informed financial decisions. Furthermore, many credit counseling organizations can assist in negotiating repayment plans with creditors, similar to a DMP, but without the same level of commitment or fees.

Individuals dealing with gambling debts should consider reaching out to reputable credit counseling services for guidance and support. By leveraging these resources, they can take proactive steps toward regaining control over their finances and overcoming gambling-related challenges.

Understanding Debt Settlement as an Alternative Option

Debt settlement presents another viable method for individuals seeking to manage gambling debts in the UK. This approach involves negotiating with creditors to reduce the total amount owed, permitting borrowers to pay a lump sum that is less than the total outstanding debt. While this strategy can provide significant financial relief, it requires careful planning and proficient negotiation skills.

Debt settlement can be effective for those who have fallen behind on payments and are experiencing financial hardship. However, it is crucial to recognize that debt settlement can negatively impact credit scores, as it involves settling debts for less than the full amount owed.

Individuals contemplating debt settlement should approach the process with caution and may benefit from professional assistance. Partnering with a reputable debt settlement company can offer valuable guidance, aiding borrowers in navigating negotiations with creditors effectively.

Addressing Gambling Addiction: A Comprehensive Approach

Identifying the Signs of Gambling Addiction

Recognizing the symptoms of gambling addiction is crucial for individuals in the UK who may be struggling with financial management due to gambling-related debts. Common signs of gambling addiction include an inability to cease gambling despite facing negative consequences, preoccupation with gambling-related activities, and using gambling as an escape from stress or emotional turmoil.

Individuals may also encounter financial difficulties stemming from gambling, leading to escalating debt levels. Additional indicators include dishonesty about gambling habits, borrowing money to fund gambling activities, or neglecting responsibilities in favor of gambling pursuits. Understanding these signs is the first vital step toward seeking assistance and addressing the underlying issues contributing to gambling addiction.

Awareness of gambling addiction is essential not only for those directly affected but also for friends and family members who may notice troubling behaviors. Encouraging open discussions about gambling and its potential repercussions can create a supportive environment, making individuals more inclined to seek help.

Seeking Professional Help for Gambling Addiction Recovery

For those impacted by gambling addiction, seeking professional assistance is a critical step toward recovery. In the UK, numerous resources are available for individuals dealing with gambling-related issues, including counseling services, therapeutic programs, and support groups.

Counseling can equip individuals with the strategies and tools necessary to combat gambling behaviors. Many therapists specialize in addiction recovery, offering tailored support to those grappling with gambling-related debts. Additionally, cognitive-behavioral therapy (CBT) has proven effective in addressing underlying issues that contribute to gambling addiction, such as anxiety or depression.

Individuals may also seek help from organizations such as Gamblers Anonymous or GamCare, which provide support and resources for those affected by gambling addiction. The significance of professional help cannot be overstated, as it offers individuals the support and guidance required to navigate the complex journey toward recovery.

Engaging with Support Groups and Available Resources

Participating in support groups and utilizing resources is vital for individuals managing gambling addiction in the UK. Organizations such as Gamblers Anonymous offer a safe and supportive environment for individuals to share their experiences, learn from others, and find comfort in knowing they are not alone in their struggles.

Support groups provide valuable opportunities for individuals to discuss their challenges and successes, fostering a sense of community and accountability. This shared experience can significantly aid individuals in overcoming gambling-related debts and cultivating healthier financial habits.

Additionally, numerous online resources and helplines are available for those seeking immediate assistance. Websites like GamCare provide information on treatment options, self-help tools, and advice for individuals facing gambling addiction. By utilizing these resources and connecting with others encountering similar challenges, individuals can take proactive steps toward recovery and financial stability.

Addressing Frequently Asked Questions (FAQs)

What does debt consolidation for gambling debts involve?

Debt consolidation for gambling debts entails merging multiple gambling-related debts into a single loan, thereby simplifying repayment management. This strategy aims to streamline financial obligations and potentially lower interest rates.

How can I improve my chances of obtaining a debt consolidation loan?

Enhancing your credit score, maintaining a stable income, and effectively managing your debt-to-income ratio can significantly boost your chances of qualifying for a debt consolidation loan.

Are there risks associated with debt consolidation?

Yes, risks exist, including the potential for higher overall costs if unsuitable loan terms are selected, and the possibility of accumulating additional debt if underlying gambling issues remain unaddressed.

What types of loans are available for debt consolidation?

Common loan types for debt consolidation include secured loans, unsecured personal loans, and balance transfer credit cards, each presenting its own advantages and disadvantages.

How does debt management differ from debt consolidation?

Debt management involves negotiating a repayment plan with creditors, often through a third-party company, whereas debt consolidation combines multiple debts into a single loan for easier management and repayment.

Can I consolidate my gambling debts if I have a poor credit score?

While it may be more challenging, options exist for individuals with poor credit, such as secured loans or collaborating with a debt management company.

What impact does debt consolidation have on my credit score?

Debt consolidation may initially lower your credit score due to hard inquiries, but it can improve your credit score over time if managed responsibly by reducing overall debt levels.

How long does the debt consolidation process typically take?

The duration of the debt consolidation process can vary, typically ranging from a few days to several weeks, depending on the lender and the complexity of the debts involved.

Are there alternatives to debt consolidation available?

Yes, alternatives include Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), bankruptcy, credit counseling services, and debt settlement strategies.

Where can I find support for gambling addiction?

Support is available through organizations such as Gamblers Anonymous and GamCare, which provide resources, counseling, and support groups for individuals confronting gambling addiction.

Connect with us on Facebook!

This Article Was First Found On: https://www.debtconsolidationloans.co.uk