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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.

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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...


Store cards and
catalogue Debts

Stores and catalogues offer tempting offers
and discounts to start using their own credit
as a way to pay for things you want.

Sure - you can pay off your bill in one go –
possibly making it a good way to save a bit
of money when it’s something you needed.
But when you start spreading the cost,
you’re whacked by pretty high interest
rates: around 20 - 30%!



JUST PAYING THE MINIMUM’S A PROBLEM…

As we said, the interest rates and charges on
store cards and catalogue debts are mostly
sky high! If you only pay the minimum payment
they ask for, it might not cover the interest
and repayments. This increases your debt and
you’ll owe even more. So many people fall foul
of this because it’s not at all obvious. Let’s look
at it another way. Think of the money you’ve
borrowed as growing all the time. If you’re just
paying off tiny bits, the rest sprouts arms and
legs and can really get you into trouble.



CHANGED YOUR MIND?

If you’ve had second thoughts about the things
you’ve ordered or you’re worried about debt,
you have a right to return them up to 14 days
after you’ve received them. You might have to
pay the postage, or have the hassle of taking
them back to the store, but it’s a lot better
than getting into debt.



WHEN YOU CAN’T PAY…

If you miss payments or don’t make the
minimum payments, the company will ask you
to catch up with the backlog. If you can’t pay
that, then your account will do something
called ‘default’. It means they’ll probably take
more action against you with a debt collector
or taking you to court.

What’s more, your account with them may be
frozen so you can’t buy anything else.

We can help if you’re falling behind with
payments. Get in touch and we’ll help you
look at your options.



Get BacktoBlack. Talk to us today

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

BACK TO DEBT MENU

“Our super-friendly
team of experts
can help you
on your way to
debt freedom.



Talk to us today
We're with you all the way

Nice to meet you

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.

TAKE ME TO KNOWLEDGE CENTRAL

Are your finances
in the red?



Is your
personal debt bubble
about to burst?

LET US HELP YOU
BEFORE IT DOES
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.