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Take your first steps to debt freedom
with BacktoBlack...

STEP 1:  tell us about your debts...

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OK, good. You’re well on your way
BacktoBlack. Now for the next step...

STEP 2:  your employment status...

  • EMPLOYED
  • SELF-EMPLOYED
  • UNEMPLOYED
  • PENSION
  • STATE
    BENEFIT
  • OTHER
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Nice! Now that wasn't so hard,
was it? Step 3 coming right up...

STEP 3:  you and your home...

  • OWN
  • RENT
  • ENGLAND
  • SCOTLAND
  • WALES
  • NORTHERN
    IRELAND
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We're almost there!
Step 4 is not so bad either...

STEP 4:  what is your credit rating...

  • EXCELLENT
  • GOOD
  • FAIR
  • POOR
  • VERY POOR
  • I DON'T
    KNOW
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How easy was that?! All we need to know
now is how we get in touch with you..

STEP 5:  how should we contact you...

MY NAME & SURNAME
MY PHONE NUMBER
MY PREFERRED TIME
MY EMAIL ADDRESS

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could be on your way to debt freedom...

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...we’ll be in touch soon to discuss
your options, and help get you on
your way to Debt Freedom.


Get in touch with us at BacktoBlack...
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We welcome any comments or questions you may have
for us. Or, if you have something you’d like to ask,
well we’d also really be delighted to hear from you.
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Whether it’s unpaid council tax
or multiple credit cards, (or both
for that matter), unpaid debt

can become a living nightmare.

We get it. We’ve been there.

And it’s not fun. So if you’re struggling big time with problem debt,
we probably have a solution to your problems. From an IVA in
England, to the Scottish equivalent Trust Deed... read on and we
could help you on your way to Debt Freedom...


Benefit and dwp overpayments

Overpayments may not sound like debt, but,
trust us, they are. And as they’ll all be with HMRC (Her Majesty’s Revenue and Customs), you need
to tackle them as soon as you can. That’s because the results of falling behind with any payments to HMRC can be more severe than with other types
of debt. You could end up with deductions taken straight from your earnings – or a bailiff on your doorstep. Worse still, prison, when things
are really bad.



HOW OVERPAYMENTS HAPPEN

Sometimes, people end up with an overpayment because HMRC’s tax credits and some other benefits are based on estimates of your income. So it’s all worked out in advance. If you end up earning more than they’d expected – especially
if you haven’t let them know – then they could decide you’ve been overpaid.

If you don’t tackle this, the consequences can be extremely serious. They can arrange to reclaim
the overpaid money in one of these ways:

  • Lowering your tax credit payments
  • Asking you to pay monthly instalments
  • Taking the money directly from your benefits
  • Increasing the amount of tax you pay
    via your employer
  • Taking you to court
  • Passing your debt to a debt collection agency
  • Sending the bailiffs around (if you live in
    England or Wales)

Get in touch with the charity Stepchange for more information on your options and support. So long as HMRC don’t deem your overpayment as fraudulent, (i.e. deliberately misleading),
you’ll be able to find a helpful solution.

We may also be able to help with one
of our debt solutions.



Get BacktoBlack. Talk to us today

Or, take your first steps to debt freedom
with our online form

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can help you
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debt freedom.



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We're with you all the way

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Click below and we’ll tell you a little bit
more about us. Our story is based around
our experience with problem debt.
Find out why we enjoy what we do here at
BacktoBlack, what makes us tick, and how we
can help you change your life for the better!

FIND OUT MORE ABOUT US
All the gobbledegook explained (we hope!)

Not sure what’s what?

Don’t worry, we know how you feel.
All these fancy debt words are hard to keep
track of. So to make things easier for you, we’ve
put together a BacktoBlack Debtionary to help
explain the jargon! That way you’ll be up to speed
in no time at all, and ready for that pub quiz.

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Are your finances in the red?

Are your finances in the red?



Is your
personal debt bubble
about to burst?

LET US HELP YOU
BEFORE IT DOES

Talk to us.
And take that first step
to debt freedom...


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CALL BacktoBlack TODAY ON:

0141 478 0862

...and talk to one of our super~friendly team of debt experts.