Exactly when you should start worrying about your level of debt?

Exactly when you should start worrying about your level of debt?

A new survey shows people are waiting a long time before getting concerned about their finances.

A new study has shown that the average Brit doesn’t begin to worry about their debt until it hits £5,613, a study has found but financial experts are warning people they should begin to seriously think about it a lot sooner before the debt gets even wore.

A recent poll of 2,000 adults revealed the average adult in the South West only considers themselves to be ‘in debt’ once they are in the red by almost £3,203.

Despite this those in the South West only begin to see this debt as a serious concern requiring action when they owe over £5,000. If you are in £5000 or more in debt, Consumer Law Barristers may be able to help you.

Further stats from the survey, commissioned by Salary Finance, revealed 14 per cent of the population admitted they would need to owe more than £10,000 before they started to seriously worry.

If you are considering a Debt Management Plan or IVA , we strongly recommend you get in touch with Consumer Law Barrister today before you agree to anything. We may be able to help you become debt free.

Contact us today on 0330 124 4252!

Posted by consumerlawbarristers in Budgeting, Budgeting Advice, Consumer Law, Consumer Law Barristers, Credit Card Debt, Debt Claims, Debt Management Agreement, Debt Management Plan, DMA, DMP, Financial Advice, Individual Voluntary Arrangement, IVA, Step Change, Unfair Debt Claims, Wrongful Debt Claims
Can I still go on holiday if I’m in debt?

Can I still go on holiday if I’m in debt?

It’s that time of year. The summer holidays are fast approaching. 

No matter what your financial situation, fun, leisure and the forging of happy memories with loved ones are so important.

Here are some ideas on how you can get away from it all for less than you think.

Find the best flight deals

If you’re looking for cheap flights but don’t have time to keep track of all the options out there, register with apps such as Sky Scanner, Jack’s Flight Club and Momondo. You’ll get the first word on all of the cheapest deals.

It’s best to be flexible

Sites such as Skyscanner and Kayak show price variations across a whole month. Mid-week flights are often cheaper. Flights in the week can range from £18 to a whopping £132 over a weekend.

If you’re willing or capable of sleeping through anything then look at the more obscure flight times as they tend to be cheaper. Alternatively, if you don’t mind hanging around at the airport in another city for a few hours then look at flights with a layover. With layovers of up to 48 hours, you have the opportunity to be able to explore another city while saving money.

Be minimalistic – pack light!

Paying for extras such as bags, seating and food can put a significant price increase on your flight. So if you don’t need it, don’t do it!

Most airlines give you a minimum of 10kg hand luggages as long as it meets their size restrictions. This is included in the price of you plane ticket, so if you can get by with 10kg, do it!

What should I pack?

  • Clothes – which I can mix and match, dress up or dress down, don’t need ironing, and I can wash easily in the sink if needs be. There are actually special detergents you can buy for handwashing when on your jollies, and they often come in travel size pods.
  • Shoes – I try to keep to one pair if possible, but at most I pack two. Usually one pair is casual and the other slightly dressy, depending on where I’m going.
  • Toiletries – the key to these is smaller, smaller, smaller! Cosmetic shops now sell toiletries in tiny bottles. Buy ones that have multiple functions such as shampoo and conditioner or hair and body wash. Save those samples of shampoo or moisturiser you get in magazines or toothpaste you sometimes get from the dentist.
  • Makeup – keep to a natural look if possible so you can keep facepaint to a minimum. A small jar of Vaseline works wonders as a moisturiser, lip balm, mascara substitute, and temporary split-end mender.

Wear your heaviest items such as coats, trainers, jumpers and jeans when you’re travelling to save weight in your hand luggage!

Where should I stay?

Although hotels do ‘great’ deals when you pay upfront, they are often more expensive than Airbnb or apartments.

If you’re looking for somewhere to drop your bags and crash, we’d recommend looking at a hostel. Most have the options of doors, private rooms and private bathrooms and they are generally your cheapest option. It’s also a great chance to meet new people!

What can I do on by budget break?

You’d be surprised at how much you can do for FREE!

Do some research before your travels and see what you can do for little to no cost. Our top suggestions are:

  • Museums
  • Castles and ruins
  • Local concerts
  • Festivals
  • Markets
  • Art galleries
  • View points
  • Walks
  • Beaches


Posted by consumerlawbarristers in Budget Holiday, Budgeting, Budgeting Advice, Consumer Law, Consumer Law Barristers, Debt Advice, Debt Claims, Debt Management Agreement, Debt Management Plan, DMA, DMP, Financial Advice, Summer Holiday
Consumer Law Barristers is now on FEEFO!

Consumer Law Barristers is now on FEEFO!

Over the past 12 moths we have successfully SAVED our clients an average of £4,680 in unfair claims.

Are you still interested in using our service, but not yet reached a decision? Read our most recent verified reviews from clients past and current to get a feel for how we can help you!

Here are just two examples of the positive feedback we have received:

Still not convinced? Click HERE to see more!

Posted by consumerlawbarristers in Consumer Law, Consumer Law Barristers, Customer Feedback, Customer Reviews, Debt Advice, Debt Claims, Debt Management Agreement, Debt Management Plan, Financial Advice, Our Results, Step Change
OUR RESULTS SPEAK FOR THEMSELVES

OUR RESULTS SPEAK FOR THEMSELVES

On average over the past 12 months have successfully defended unfair claims against our clients with £4,680 each.

We are proud of the excellent results we have achieved to date and the positive impact this continues to have on people who put their trust in us. We love delivering the good news, and we have lots to share!

Whilst every case is unique, and we cannot guarantee 100% success, our statistics clearly highlight the success we have achieved for our clients, demonstrating that it’s not unusual for us to defeat all the claims faced by a client without any court proceedings.

Many of those clients had been paying to reduce their debt for years without seeing any meaningful progress. They then discovered that they had a RIGHT NOT TO PAYthe thousands of pounds being claimed against them and have subsequently had their debt burden lifted.

Our Results

Since May 2018 Consumer Law Barristers have totally closed 125 cases with a combined value of £585,000.

Of these claims, only 3.13% needed to come to some arrangement to pay. 

39.01% of all claims have been abandoned by the claimant company and 57.43% remain unenforceable, representing a 96.43% success rate for us in effectively challenging claimant companies on your behalf.

Our thanks to you

As one of the clients we’ve been able to help or on whose behalf we continue to work we’d like to thank you for placing your faith in us.

Should you be aware of anyone who you feel may benefit from our services we’d be delighted to help them should they want to get in touch.

We’re now on Feefo!

Read our most recent reviews now by clicking HERE

Posted by consumerlawbarristers in Consumer Law, Consumer Law Barristers, Customer Feedback, Customer Reviews, Debt Advice, Debt Claims, Debt Management Agreement, Debt Management Plan, Individual Voluntary Arrangement, IVA, Our Results
Who needs help with debt?

Who needs help with debt?

According to debt charity StepChange, the number of younger people seeking debt advice has been increasing in recent years and continues to increase. 

More than 619,000 people contacted the charity for advice in 2017 and most of them were under the age of 40. StepChange clients could fall into one or more of the below categories:

  • Renters – 80%
  • Credit Card Debts – 67%
  • Under 40 – 64%
  • Single without children – 37%
  • Negative budget – 30%

Do you need help? Call us today on 0330 124 4252!

Posted by consumerlawbarristers in Budgeting Advice, Consumer Law Barristers, Debt Advice, Debt Management Plan
STILL LOOKING TO FIGHT BACK AGAINST UNFAIR DEBT CLAIMS?

STILL LOOKING TO FIGHT BACK AGAINST UNFAIR DEBT CLAIMS?

A quick call to 0330 124 4252 or email at hello@consumerlawbarristers.co.uk will start the no obligation, fully confidential journey.

We will assess any current debt claims against you using our 4 point check list:

Can the company making the claim prove that it is entitled to do so?

Can the company making the claim prove the value of that claim?

Is the claim enforceable?

Have there been any breaches of the requirements of the consumer protection legislation which may entitle you to compensation or a reduction in the amount you have to pay (by a defence known as “set-off”)?

Consumer Law Barristers facilitates the provision of legal services by experienced barristers and experts in this particular field of law.

Fight Back Now…

Posted by consumerlawbarristers in Complaint, Consumer Law, Consumer Law Barristers, Creditor Complaint, Debt Advice, Debt Claims, Debt Management Agreement, Debt Management Plan, DMA, DMP, Individual Voluntary Arrangement, Unfair Debt Claims
Can Consumer Law Barristers Help Me?

Can Consumer Law Barristers Help Me?

Our Results

At the start of April 2019 (come to the end of 12 months) Consumer Law Barristers have closed 125 cases so far. These totalled circa £585k!

Of this, only 3 claims totally £1,900 need to come to some arrangement to pay. 0.32% of the whole.

£224k+ has been abandoned by the claimant company and £355k+ remains unenforceable (through error or omission).

Get in touch with Consumer Law Barristers

If you would like to speak to someone about what we do and how we can help, we will be happy to answer any questions you have.

Posted by consumerlawbarristers in Budgeting, Budgeting Advice, Consumer Law, Consumer Law Barristers, Debt Advice, Debt Management Agreement, Debt Management Plan, DMA, DMP, Individual Voluntary Arrangement, IVA, Our Results
HOW CAN CONSUMER LAW BARRISTERS HELP YOU?

HOW CAN CONSUMER LAW BARRISTERS HELP YOU?

Our track record in defeating unfair debt claims against our clients speaks for itself, but here’s what some of those very clients have to say about our services:

“Letting CLB help me is the best thing I’ve ever done! My life’s getting back on track and I feel like I am in control again. When my creditors rang me in the early stages, I was armed with enough knowledge and confidence (having spoken to the team on a number of occasions) to explain why I wouldn’t be paying them unless and until CLB told me to. When I explained I was being represented by David Uff and the CLB team, these companies soon changed their tone and stopped trying to call or write to me. And now all my debts resolved in 9 months!! CLB have changed my life. They’ve all been so kind, understanding and helpful – nothing has been too much trouble for them and even out of hours I got a response by text so I didn’t have to worry and spoil my weekend stressing. How fantastic is that!”

“CLB have changed my life. They’ve all been so kind , understanding and helpful – nothing has been too much trouble for them and even out of hours I got a response by text”

“Just want to say thank you very much for doing an excellent work for sorting my account Your team has spoken to my creditors and has given me an excellent result and the achievement you have produced for me is worth every penny I have spent with CLB. I will definitely recommend Consumer Law Barristers to all customers. God bless keep up the good work.”

“I will definitely recommend Consumer Law Barristers to all customers. God bless keep up the good work.”

“Just to let you know what Ray has said about your company. He has passed on your phone number to another guy he works with, so fingers crossed they get in touch with you, because as I said yesterday we can only praise you all for all your hard work. Ray said how quickly everything was put in place it was only 48/72 hours , and it’s all been hassle free plus, all the staff are very friendly and caring. Me and Ray can only sing your praises so keep up the good work.”

“As I said yesterday we can only praise you all for all your hard work”

Call us on 0330 124 4252 or click fight back now to start asserting your legal rights today!

Posted by consumerlawbarristers in Complaint, Consumer Law, Consumer Law Barristers, Creditor Complaint, Customer Feedback, Customer Reviews, Debt Advice, Debt Management Agreement, Debt Management Plan, Our Results
Making a complaint about a creditor

Making a complaint about a creditor

When it comes to bills, more than half of people in debt say they wouldn’t question an unexpected bill even though it might affect their health or push them further into debt. If something doesn’t look right, it’s important that you make your concerns known as soon as possible. 

How can I make a complaint?

We recommend making your complaint in writing, by letter or email. There are a couple of advantages to making a complaint this way:

  • It gives you time to think about what you want to say
  • You can keep a copy so you’ve got a record of what was said – this can be useful if you need to take the complaint further

If you post your complaint it’s a good idea to use recorded mail. This costs a bit extra but allows you to check your letter was definitely received.

You could make your complaint in person or over the phone, but it would be more difficult to prove what was said afterwards. There’s also more risk of forgetting important facts or getting drawn into an argument if you make your complaint this way.

What should I write in my complaint?

Your letter or email should include the following:

  • Write the word ‘complaint’ at the top so it’s very clear that you want it be dealt with as a complaint
  • Explain what you feel your creditor has done wrong
  • Tell them what you think they should do to put this right
  • Ask for a copy of their complaints procedure in writing so you can see how they’ll deal with your complaint
  • Ask them to stop any further action while they’re investigating your complaint
  • Ask for their reply in writing

What happens after I’ve made a complaint?

Your creditor should confirm they’ve received your complaint, usually by letter or email. They should also explain how they’ll deal with your complaint and how long it’ll take.

Creditors usually put your account on hold while they’re looking into your complaint. Not all of them will do this – it depends on the type of debts and some may keep contacting you for payments. 

You should get a final reply from your creditor or supplier in due course, and most will aim to do this within eight weeks. If your complaint will take longer than normal to investigate the creditor or supplier should tell you.

Posted by consumerlawbarristers in Complaint, Consumer Law, Consumer Law Barristers, Creditor Complaint, Debt Advice, Debt Management Agreement
Frequently Asked Questions

Frequently Asked Questions

If you are struggling with debt and you are or have been in debt management or you are considering an IVA then it is likely that Consumer Law Barristers can be of real help to you.

I am debt management already so will this work have been done already?

No. In our experience, debt management providers do not take the necessary steps to ensure that you only pay companies who can prove the title, value and enforceability of their claim against you.

Debt management is a collective arrangement to administer the payment of sums which it is claimed you owe.

We have a strong record of defeating claims which have been included in a debt management plan.

If you are in debt management you can find out more here.

Will I need to deal with the companies making claims against me?

We will put a stop to any harassment and collection activities including calls, letters and messages.

We know the stress and concern that constant communication chasing payment can cause. Debt collection companies know this too and may try to bully you into paying them.

Those companies have a responsibility to co-operate with your appointed barrister who will be acting on your behalf. If the companies do not stop contacting you then you should tell us and we will stop them.

The emotional burden of debt can have a severe impact on all aspects of your life and we take this part of our work extremely seriously.

If you are in a debt management plan, we can also contact your debt management company directly. You do not need to get in touch with them yourself.

For more information about Consumer Law Barristers and more Frequently Asked Questions, visit our website by clicking HERE.

Posted by consumerlawbarristers in Consumer Law, Consumer Law Barristers, Debt Advice, Debt Management Agreement, Debt Management Plan, DMA, DMP, Individual Voluntary Arrangement, IVA