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

STEP 1:  tell us about your debts...

Fill in your details, and take the next step...

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
Fill in your details, and take the next step...

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
Fill in your details, and take the next step...

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
Fill in your details, and take the next step...

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

I consent to BacktoBlack collecting and storing my data from this form and using it in line with their Privacy Policy

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No.

Fill in your details, and take the next step...

Now press that send button, and you
could be on your way to debt freedom...

OK, GREAT!

...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...
Hey there!

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.
Just send us your details below and we’ll be in touch...


CHEERS!

...thanks for the mail.
If you’ve asked us something,
we’ll be in touch soon.

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...


Car finance

There are loads of different ways to
finance a car:

  1. Hire purchase (HP) or conditional sale
  2. Personal loan
  3. Lease or hire agreements
  4. Personal contract purchase (PCP)
  5. Logbook loan

The main difference between them is that with HP, lease / hire, PCP, the car isn’t yours until you’ve made all the payments. That means that if you’re struggling to pay, worst case scenario is they take away your car.



WHEN YOU CAN’T KEEP UP
WITH PAYMENTS…

  1. HP or conditional sale: you could just hand the car back or the finance company can repossess the car. You won’t get any of your money back but if you’ve paid more than half, usually there’s nothing more to pay. If you’ve paid less than a third when you fall behind, the company can repossess your car without even going to court. Remember! You can’t sell the car when you still owe money because it isn’t your property.
  2. Personal loan: you have to pay the full amount back you borrowed – there’s no handing in of the keys and walking away. But you can sell the car and settle everything you owe.
  3. Lease or hire agreements: you can’t sell the car under any circumstances – you just hand the car back at the end of the fixed period agreed. If you can’t keep up with your monthly payments, your car can be repossessed.
  4. Personal contract purchase (PCP): you can’t ever sell a car on PCP because it doesn’t belong to you. If you’re missing payments, the finance company can repossess it. You may be able to hand it back early but you could still have something to pay.
  5. Logbook loans: you have no right to sell your car when a loan is outstanding, and you can’t end a logbook early. These are a very expensive way to borrow money and you have few rights – we recommend avoiding this
    type of debt!


Get BacktoBlack. Talk to us today

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with our online form

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Find out why we enjoy what we do here at
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can help you change your life for the better!

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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

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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.