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Mental Health and Debt - The Worst

Mental Health and Debt – The Worst

November 9, 2018

Mental Health & Debt – The Worst Not a great subject I know, Mental Health and Debt, but one that needs to be aired more as the very real issue of mental health comes more to the fore. Sadly we see a lot of people struggling with the burden of debt and have seen many people deteriorate both mentally and physically,…

FRI leases supported by Personal Guarantees- Evil, Evil

October 5, 2018

                  “If a business is struggling and the lease is supported by personal guarantees then it is vital to engage and seek advice”. We hear on a weekly basis, at the moment, of the demise of retailers with a headline involving Debenhams, Homebase or any number of restaurants availing themselves of CVA’s.…

Personal Guarantee

September 28, 2018

We at Bell & Company are receiving more and more queries from individuals, concerned or threatened by Personal Guarantees (PG’s) they have given in the past. Typically, PG’s are given to support: Banking or other limited company funding including overdrafts, loans, Factoring, HP, leasing etc. Limited company trade creditor facilities, Leases, Peer to Peer loans, and Supporting other people’s commitments…

The misconceptions of Bankruptcy Exposed

September 6, 2018

Bankruptcy, the “B” word, is feared by many. This is often as a result of uninformed misconceptions. There is a possibility of positive and negative outcomes depending on the individual situation. However, regardless of the outcome, Bankruptcies are on the rise. This week we had 23 queries in relation to Bankruptcy. Individual Bankruptcies have increased by 27.3% in the past…

Third party debt settled for £11,000

August 21, 2018

In this instance our client had a longstanding shortfall debt of £36,000. This debt was recently sold to a third party. Our client was worried about the misconceptions of third party debt collection agencies. However, at Bell & Company we regularly deal with third parties such as this one and have a good working relationship with them. Through our negotiations…

£38,000 saving on investment gone wrong

August 21, 2018

In this situation, our clients had invested in a second property with an interest only mortgage. However, the value of the property drastically declined in a short period of time leaving the couple with a large mortgage in negative equity. Bell & Company were appointed to negotiate the sale and the full and final settlement of the property. We achieved…

Negative equity success

Negative equity success

August 21, 2018

Negative equity success – The client in this situation was an older gentleman. He had several properties in negative equity that were causing him a great deal of stress as he was struggling to maintain payments. He approached Bell & Company in the hope of relieving some of the stress that the situation was causing him and his family. We…

£85,000 saving for working family

August 21, 2018

Our clients in this situation were a working family with two young children. They bought several investment properties before the crash,which had subsequently fallen into negative equity. This was a huge financial burden on the family and they were struggling to maintain mortgage payments on all properties. The couple appointed Bell & Company to negotiate the sale and final shortfall…

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