http://www.integrityfinancialservices.co.uk How Pub Owners, Landlords & Tenants Can Get Out Of Debt...||||213||||2012/2/21 Despite what some people say and what you read, there is debt help available to people in the pub trade in England and Wales.2012 will be a tough year for the pub trade with more pubs set to shut each month than ever before.It is estimated that approx 16 pubs a week will close with the people that ... http://www.integrityfinancialservices.co.uk/blog.asp?date=21/02/2012&EventID=213 http://www.integrityfinancialservices.co.uk/blog.asp?date=21/02/2012&EventID=213 Find Out If Your In Debt By Taking This Simple Test...||||212||||2012/2/16 You may think that everything is cosy and you can manage your money because you have a credit card and it's ok...But have you looked at the bigger picture? Do you actually know what you are spending and what you shouldn't be spending?Take the test below...If you cannot do it then you are in debt...A... http://www.integrityfinancialservices.co.uk/blog.asp?date=16/02/2012&EventID=212 http://www.integrityfinancialservices.co.uk/blog.asp?date=16/02/2012&EventID=212 Mis-Leading & Mis-Selling Debt Companies A Cause For Concern||||211||||2012/2/7 Debt advisers at Integrity Financial Services Limited are becoming increasingly concerned that individual voluntary arrangements (IVAs), the popular alternative to bankruptcy, are in some cases being mis-sold by some debt advice firms that are too sales based...Integrity's own advisers and consultan... http://www.integrityfinancialservices.co.uk/blog.asp?date=07/02/2012&EventID=211 http://www.integrityfinancialservices.co.uk/blog.asp?date=07/02/2012&EventID=211 Gordon Ramsey & Debt...||||210||||2012/1/24 It seems no matter who you are and what you do, if you have debt problems you cannot escape them. This is the case for well known celebrities also, some bigger than others….Gordon Ramsay once faced a huge £18 million debt crisis and called in Dragons Den expert Peter Jones to help, in what seemed li... http://www.integrityfinancialservices.co.uk/blog.asp?date=24/01/2012&EventID=210 http://www.integrityfinancialservices.co.uk/blog.asp?date=24/01/2012&EventID=210 Why Bankruptcy Will Be The Best Solution For Many In 2012...||||209||||2012/1/23 People may frown upon the word "Bankruptcy" but these days it is seen as a very useful and practical debt solution.With more and more people set to struggle with debt in 2012, the focus on debt solutions has shifted to bankruptcy, as people realise thats its not all about doom and gloom.Many people ... http://www.integrityfinancialservices.co.uk/blog.asp?date=23/01/2012&EventID=209 http://www.integrityfinancialservices.co.uk/blog.asp?date=23/01/2012&EventID=209 Your Debt Pain? Your Debt Solution!||||207||||2012/1/1 ... http://www.integrityfinancialservices.co.uk/blog.asp?date=01/01/2012&EventID=207 http://www.integrityfinancialservices.co.uk/blog.asp?date=01/01/2012&EventID=207 Why use Integrity ?||||206||||2012/1/1 The reason to use us....... http://www.integrityfinancialservices.co.uk/blog.asp?date=01/01/2012&EventID=206 http://www.integrityfinancialservices.co.uk/blog.asp?date=01/01/2012&EventID=206 Get Out of DEBT 2012 ! What to Do First||||204||||2012/1/1 First ActionINCOME AND EXPENDITURE DOWNLOAD... http://www.integrityfinancialservices.co.uk/blog.asp?date=01/01/2012&EventID=204 http://www.integrityfinancialservices.co.uk/blog.asp?date=01/01/2012&EventID=204 Charity Debt Advice To Be Affected By Cuts In 2012||||203||||2011/12/30 The Citizens Advice Bureau and other debt advice giving charities are facing cuts to funding in 2012 which will lead to many a problem when advising people with debt. Cuts will affect nearly 500 debt advisors who have already seen cuts to legal aid and local government grants. Most of these adviso... http://www.integrityfinancialservices.co.uk/blog.asp?date=30/12/2011&EventID=203 http://www.integrityfinancialservices.co.uk/blog.asp?date=30/12/2011&EventID=203 Debt Texts!||||202||||2011/12/30 "Debt settlement orders are a new government-backed scheme which allow people struggling with debt to apply to have it written off. text INFO for help"Have you had a text like this? Many people have and it's now a common thing and it's quite worrying.But the text is a scam: there is no such thing as... http://www.integrityfinancialservices.co.uk/blog.asp?date=30/12/2011&EventID=202 http://www.integrityfinancialservices.co.uk/blog.asp?date=30/12/2011&EventID=202 Debt Industry Suffering From 'Cashing In'...||||200||||2011/12/29 A worrying trend is starting to appear in the debt industry as some debt companies and free advice agencies or charities could be 'Cashing In' on Debt Relief Orders (DRO's) Debt Management Plans (DMP) and Individual Voluntary Arrangements (IVA).The problem is real and a current ongoing occurance, w... http://www.integrityfinancialservices.co.uk/blog.asp?date=29/12/2011&EventID=200 http://www.integrityfinancialservices.co.uk/blog.asp?date=29/12/2011&EventID=200 Dealing With Debt In 2012...||||199||||2011/12/28 As we start the New Year many people will be waking up to a debt hangover day after day. Debt advisors at Integrity Financial Services Limited are predicting a rush of activity in January and February which they are already starting to see, with people already contacting them about debt from over sp... http://www.integrityfinancialservices.co.uk/blog.asp?date=28/12/2011&EventID=199 http://www.integrityfinancialservices.co.uk/blog.asp?date=28/12/2011&EventID=199 Festive Period Opening Hours||||198||||2011/12/23 We would like to wish you all a Merry Christmas from all staff at Integrity Financial Services Limited.Our festive period opening hours are:23rd December 2011- 9am till 3pmClosed- 24th, 25th, 26th and 27th December 201128th, 29th, and 30th December 2011- 9am till 5pmClosed- 31st December 2011, 1st a... http://www.integrityfinancialservices.co.uk/blog.asp?date=23/12/2011&EventID=198 http://www.integrityfinancialservices.co.uk/blog.asp?date=23/12/2011&EventID=198 Merry Christmas From Integrity Financial Services Limited||||197||||2011/12/21 Integrity Financial Services Limited would like to wish everyone a Merry Christmas and Happy New Year!2011 has been a massive year for us as we continue to go from strength to strength providing an excellent and well established professional service.2012 is set to be another busy year for us with ne... http://www.integrityfinancialservices.co.uk/blog.asp?date=21/12/2011&EventID=197 http://www.integrityfinancialservices.co.uk/blog.asp?date=21/12/2011&EventID=197 Energy Meter Users Cutting Themselves Off To Save Costs...||||196||||2011/12/13 Hundreds of thousands of UK households with pre-payment meters have chosen to go without energy at least once in the past year, and with the cold weather of winter now upon us it seems more and more people are doing the same... Leading up to the winter months and christmas I have heard numerous peo... http://www.integrityfinancialservices.co.uk/blog.asp?date=13/12/2011&EventID=196 http://www.integrityfinancialservices.co.uk/blog.asp?date=13/12/2011&EventID=196 Local Authority Job Losses Will Have An Adverse Effect...||||195||||2011/12/9 Advisors at Integrity Financial Services Limited have warned that the threat of job loses sent out to staff at Shropshire Council, may have an adverse effect and increase personal debt levels in the area.The council proposed a pay cut to save money and employees were sent a letter stating all counci... http://www.integrityfinancialservices.co.uk/blog.asp?date=09/12/2011&EventID=195 http://www.integrityfinancialservices.co.uk/blog.asp?date=09/12/2011&EventID=195 3 Million Brits Using Payday Loans||||194||||2011/12/7 The rising cost of living has led to a 58% increase in demand for payday loans, with 60% of people saying they regret taking out the loan in the first place.Integrity Financial Services first warned about this back in the summer of 2011 when we saw figures starting to increase dramtically.There are ... http://www.integrityfinancialservices.co.uk/blog.asp?date=07/12/2011&EventID=194 http://www.integrityfinancialservices.co.uk/blog.asp?date=07/12/2011&EventID=194 Personal Debt Set To Reach Record Levels By 2015...||||193||||2011/12/6 Household family personal debt is expected to be in 2015-16, £106,418 per household. This will see record levels of debts in the UK with more and more people seeking personal insolvency. Bankruptcy is set to be the new trend from 2012 onwards as people seek to solve their debt quickly and without hu... http://www.integrityfinancialservices.co.uk/blog.asp?date=06/12/2011&EventID=193 http://www.integrityfinancialservices.co.uk/blog.asp?date=06/12/2011&EventID=193 New Statistics Show State Of UK Finances||||192||||2011/12/2 Leading up to Christmas I thought it would be great to cheer you all up with a few eye popping statistics.So with whilst you walk around the shops doing your christmas shopping bombarded with with Sinatra, The Wizard and Shakin Stevens ringing in your ears, have a think about the following:Average h... http://www.integrityfinancialservices.co.uk/blog.asp?date=02/12/2011&EventID=192 http://www.integrityfinancialservices.co.uk/blog.asp?date=02/12/2011&EventID=192 Xmas Debt.... Are You Affected?||||190||||2011/11/17 Leading up to Xmas and walking to the office through Shrewsbury town centre, I could not help but notice how desperate some retailers look when advertising Xmas, and getting us to part with our hard earned cash...It seems to me that every year retailers start to advertise Xmas earlier than normal, i... http://www.integrityfinancialservices.co.uk/blog.asp?date=17/11/2011&EventID=190 http://www.integrityfinancialservices.co.uk/blog.asp?date=17/11/2011&EventID=190 Family Debts Add Up To Half Their Annual Income||||189||||2011/11/16 52% of families have unsecured debts which add up to half their annual income, which amounts to approx £10,604More and more families are starting to struggle and cannot keep a personal finance budget with credit card and loan debts mounting up.Here's a simple test everyone should do:A simple test is... http://www.integrityfinancialservices.co.uk/blog.asp?date=16/11/2011&EventID=189 http://www.integrityfinancialservices.co.uk/blog.asp?date=16/11/2011&EventID=189 Personal Insolvencies To Rise In 2012||||188||||2011/11/14 Debt Advisers at Integrity Financial Services Limited one of the UK'S most respected debt solutions companies, have announced that the UK is sitting on a debt time bomb and personal insolvencies will rise in 2012.Bankruptcy will be the most effective way forward for many people as its quick and effi... http://www.integrityfinancialservices.co.uk/blog.asp?date=14/11/2011&EventID=188 http://www.integrityfinancialservices.co.uk/blog.asp?date=14/11/2011&EventID=188 23 Million Brits Have Unsecured Debt||||186||||2011/11/10 Advisors at Integrity Financial Services have warned of the pending debt crisis that is set to hit UK homes in the coming months and year.Twenty three million (52% of Britons over eighteen) have unsecured debt, beyond their mortgage. Even more shocking is that though 90% of those in debt believe the... http://www.integrityfinancialservices.co.uk/blog.asp?date=10/11/2011&EventID=186 http://www.integrityfinancialservices.co.uk/blog.asp?date=10/11/2011&EventID=186 Warning To Households 'Get On Top Of Your Debt'||||184||||2011/11/4 As an advisor I see different rises and falls in personal insolvency levels throughout the year, and the current Q3 insolvency stats are warmly welcomed in my office.However I have to issue a stark warning to households...'Get on top of your debt now, or face mounting problems and financial strain i... http://www.integrityfinancialservices.co.uk/blog.asp?date=04/11/2011&EventID=184 http://www.integrityfinancialservices.co.uk/blog.asp?date=04/11/2011&EventID=184 Female Insolvencies Continue To Rise...||||183||||2011/11/3 In the third quarter of 2011, 14,827 women were declared bankrupt, obtained a debt relief order or took out an individual voluntary arrangement, with females making up 48% of all personal insolvencies.Women now outnumber men in both the 18 to 25 and 26 to 35-year-old age groups, indicating that the ... http://www.integrityfinancialservices.co.uk/blog.asp?date=03/11/2011&EventID=183 http://www.integrityfinancialservices.co.uk/blog.asp?date=03/11/2011&EventID=183 More Than 827,000 Homes In Negative Equity.....And Rising||||182||||2011/11/2 Home repossessions in the UK are highly likely to reach and exceed 175,000 by 2012.But if you want to stop repossession, read on...The Council of Mortgage Lenders (CML, which represents 94% of the UK's residential mortgage lending) indicates that approx 827,000 households are in negative equity, wit... http://www.integrityfinancialservices.co.uk/blog.asp?date=02/11/2011&EventID=182 http://www.integrityfinancialservices.co.uk/blog.asp?date=02/11/2011&EventID=182 New Warning On PPI Claims||||181||||2011/11/2 The FSA and OFT have published guidance to stop banks and lenders mis-selling PPI and to stop them from creating new PPI style services.There has also been a warning issued that PPI claims are liable to a tax deduction. Banks and lenders have also been told to learn the lessons of the past and have... http://www.integrityfinancialservices.co.uk/blog.asp?date=02/11/2011&EventID=181 http://www.integrityfinancialservices.co.uk/blog.asp?date=02/11/2011&EventID=181 Families £6000 Worse Off Than They Were 3 Months Ago...||||180||||2011/10/31 Families in the UK are now £6000 worse off than they were 3 months ago according to new figures.The rise in household living costs, expenses and ultility bills has added to financial strain and with house prices dropping and inflation rising, the debt storm is fast approaching.Debt is now such a big... http://www.integrityfinancialservices.co.uk/blog.asp?date=31/10/2011&EventID=180 http://www.integrityfinancialservices.co.uk/blog.asp?date=31/10/2011&EventID=180 Demand For Payday Loans On The Increase||||179||||2011/10/26 The rising cost of living has led to a 58% increase in demand for payday loans. A warning has been given to people considering to take out a payday loan to make sure the loan is the most suitable product for their circumstances and understand the terms and conditions before applying;otherwise they m... http://www.integrityfinancialservices.co.uk/blog.asp?date=26/10/2011&EventID=179 http://www.integrityfinancialservices.co.uk/blog.asp?date=26/10/2011&EventID=179 Debt Collectors Are Using Social Media To Track Down People In Debt...||||178||||2011/10/25 A warning has been issued to debt collectors who use social media such as Facebook and Twitter to track down people in debt.The warning was issued by the OFT (Office of Fair Trading) who have updated their Debt Collection Guidance which sets out the standards expected of all consumer businesses enga... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/10/2011&EventID=178 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/10/2011&EventID=178 Reggae Legends UB40 Are Bankrupt...||||176||||2011/10/17 Just as we enter into another winter of debt and over spending, it seems not all is well in the world of celebrity finance...Reggae legends UB40 who have sold over 70 million records worldwide and had hits such as 'Red Red Wine" and '(I Can't Help) Falling In Love With You' have been made bankrupt, ... http://www.integrityfinancialservices.co.uk/blog.asp?date=17/10/2011&EventID=176 http://www.integrityfinancialservices.co.uk/blog.asp?date=17/10/2011&EventID=176 Another Winter Of Discontent?||||175||||2011/10/13 Are we facing another winter of discontent?This is a big question and one that could be answered in many different ways. As I sit here writing this blog in many places around the UK there will be talk of the news that banks are now starting to contact their cash strapped mortgage customers telling t... http://www.integrityfinancialservices.co.uk/blog.asp?date=13/10/2011&EventID=175 http://www.integrityfinancialservices.co.uk/blog.asp?date=13/10/2011&EventID=175 A Big Rise In Poverty And Debt In The UK||||174||||2011/10/11 People in the UK are now facing their biggest peace time loss of income in realistic terms since 1921, which will increase the pressure and stress of those in debt. ... http://www.integrityfinancialservices.co.uk/blog.asp?date=11/10/2011&EventID=174 http://www.integrityfinancialservices.co.uk/blog.asp?date=11/10/2011&EventID=174 Eastenders Star Tarnished By Debt||||172||||2011/9/21 Yet again we see the celebrity world tarnished by the dreaded debt hand.Eastenders star Nicola Stapleton who plays the stripper Mandy in the soap, has seen her father jailed for failing to repay his debts.Vince Stapleton 60, was sentenced by Westminster Magistrates Court after he“repeatedly thumbed ... http://www.integrityfinancialservices.co.uk/blog.asp?date=21/09/2011&EventID=172 http://www.integrityfinancialservices.co.uk/blog.asp?date=21/09/2011&EventID=172 Are You Paying Too Much For Your Income Payments Arrangement/Order?||||170||||2011/9/13 At Integrity Financial Services Limited we constantly keep up to date on what happens on the world of bankruptcy.When someone peitions for bankruptcy In England and Wales they may be liable to pay something back to the Official Receiver or Trustee in the form of an Income Payment Arrangement (IPA) o... http://www.integrityfinancialservices.co.uk/blog.asp?date=13/09/2011&EventID=170 http://www.integrityfinancialservices.co.uk/blog.asp?date=13/09/2011&EventID=170 New Debt Problems For Prince Charles||||169||||2011/9/13 A £20 million loan taken out by the Prince of Wales to help save a stately home left his Charities Foundation with a multimillion-pound debt following the slump in land development prices, it has emerged. The purchase of Dumfries House in Ayrshire for £45 million in 2007 was financed with the help o... http://www.integrityfinancialservices.co.uk/blog.asp?date=13/09/2011&EventID=169 http://www.integrityfinancialservices.co.uk/blog.asp?date=13/09/2011&EventID=169 Charity Debt Advice Facing the Chop?||||168||||2011/9/12 The Citizens Advice Bureau is facing cuts to its funding which will lead to many a problem when advising people with debt. Cuts will affect nearly 500 debt advisors who have already seen cuts to legal aid and local government grants. Most of these advisors could now face being made redundant. News... http://www.integrityfinancialservices.co.uk/blog.asp?date=12/09/2011&EventID=168 http://www.integrityfinancialservices.co.uk/blog.asp?date=12/09/2011&EventID=168 Focus On Personal Debt In Time Of Cutbacks||||163||||2011/8/25 The saying that a stitch in time saves nine may be so well-worn that it has almost lost its meaning but the argument that early intervention is preferable to last-minute action still holds true.As the UK faces up to public sector cuts the importance of helping people to tackle personal debt issues i... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/08/2011&EventID=163 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/08/2011&EventID=163 How To Avoid Repossession If You Are Struggling With Your Mortgage||||160||||2011/8/23 As the cost of living increases and family incomes stagnate or fall, we consider the options for saving your house if you are unable to pay your mortgage. The current situation for homeowners is not an easy one. Essential living expenses such as petrol and energy are increasing and with the go... http://www.integrityfinancialservices.co.uk/blog.asp?date=23/08/2011&EventID=160 http://www.integrityfinancialservices.co.uk/blog.asp?date=23/08/2011&EventID=160 Can't or Won't Pay HMRC Debt?||||159||||2011/8/19 When a taxpayer falls behind on the debt they owe to the tax man, the HMRC will begin the process of collection by classing the debtor into one of two groups: those who CAN'T pay, and those who WON'T pay.People classed as "Won't Pays" will, as you'd expect, have little sympathy shown towards them, a... http://www.integrityfinancialservices.co.uk/blog.asp?date=19/08/2011&EventID=159 http://www.integrityfinancialservices.co.uk/blog.asp?date=19/08/2011&EventID=159 Managing Debt For Un-Employed People||||158||||2011/8/17 With the recent rise in un-employment figures Advisors at Integrity have released some advice on what to do if you face mounting debt and are un-employed.Although they`re designed to help people in financial difficulty, most debt solutions require you to have a regular income.This means most debt so... http://www.integrityfinancialservices.co.uk/blog.asp?date=17/08/2011&EventID=158 http://www.integrityfinancialservices.co.uk/blog.asp?date=17/08/2011&EventID=158 The Importance of Tackling Student Debt||||156||||2011/8/12 A recent study has highlighted the importance of tackling large student debts - particularly at a time like now, when unemployment is high and could rise further, which means in the near future students could find themselves having to enter into a debt solution such as bankruptcy.Advisros at Integri... http://www.integrityfinancialservices.co.uk/blog.asp?date=12/08/2011&EventID=156 http://www.integrityfinancialservices.co.uk/blog.asp?date=12/08/2011&EventID=156 What To Do When A Creditor Keeps Calling You...||||155||||2011/8/11 Advisors at Integrity Financial Services Limited on a daily basis get calls from people telling us that creditors keep calling them and they don't know what to do. So here are the basic steps to take to stop this from happening...For example...You get you get a phone call at 8:30pm…It's from one of ... http://www.integrityfinancialservices.co.uk/blog.asp?date=11/08/2011&EventID=155 http://www.integrityfinancialservices.co.uk/blog.asp?date=11/08/2011&EventID=155 Fake And Loan Shark Warning||||154||||2011/8/10 A warning has been issued for borrowers struggling to get credit from their banks and building societies.The warning has been issued by advisors at Integrity Financial Services Limited as borrowing levels have increased steadily through 2011.They urged people to beware of companies offering fake loa... http://www.integrityfinancialservices.co.uk/blog.asp?date=10/08/2011&EventID=154 http://www.integrityfinancialservices.co.uk/blog.asp?date=10/08/2011&EventID=154 Beware Bogus Prospects using 070 "mobile numbers"||||153||||2011/8/10 This is where time will really costs YOU money!As a business or individual you may not be aware that though an 070 prefix may look likea normal mobile number - it certainly is not! Not being aware of 070 prefixes could cost you dearly!A 070 prefix is a Personal Numbering Service which means the call... http://www.integrityfinancialservices.co.uk/blog.asp?date=10/08/2011&EventID=153 http://www.integrityfinancialservices.co.uk/blog.asp?date=10/08/2011&EventID=153 One In Three People Will Die In Debt||||152||||2011/8/10 Debt is such a big fear in the UK and new research has shown that one in three people will die in debt.The figures are astonishing as a huge debt storm his building on the horizon for 2012, with personal insolvency set to rise to record levels over the next two years.Nine out of ten people have run ... http://www.integrityfinancialservices.co.uk/blog.asp?date=10/08/2011&EventID=152 http://www.integrityfinancialservices.co.uk/blog.asp?date=10/08/2011&EventID=152 How To Budget When You Have Irregular Income||||149||||2011/8/5 Everyone says that a budget will make managing my money easier. But what if making the budget is the problem?You may have written up more budgets than you can count, but maybe the problem is that your income is never the same. So what can you do to budget with irregular income?Not everyone has a ste... http://www.integrityfinancialservices.co.uk/blog.asp?date=05/08/2011&EventID=149 http://www.integrityfinancialservices.co.uk/blog.asp?date=05/08/2011&EventID=149 A Big Jump In Mortgage Repossessions||||147||||2011/8/3 Figures released today show that a rise in the number of people struggling to keep up with their mortgage has led to a jump in repossessions.A total of 9,100 homes were repossessed in the UK in the first three months of 2011, up 15% on the previous quarter, lenders say.This in turn has led to and in... http://www.integrityfinancialservices.co.uk/blog.asp?date=03/08/2011&EventID=147 http://www.integrityfinancialservices.co.uk/blog.asp?date=03/08/2011&EventID=147 Cuts Could Wipe £1,500 A Year Off Family Finances||||146||||2011/8/3 Families could be £1,500 worse off every year for the next five years because of Government austerity measures, according to an International Monetary Fund report.Higher taxes and lower benefits introduced as part of the attempt to slash the national d... http://www.integrityfinancialservices.co.uk/blog.asp?date=03/08/2011&EventID=146 http://www.integrityfinancialservices.co.uk/blog.asp?date=03/08/2011&EventID=146 Debt In 2015-16 Expected To Be £106,418 Per Household||||145||||2011/8/2 £55,803 (including mortgages) is the average household debt including mortgages in the UK today.Research by the charity Credit Action suggests that banks and building societies are writing off £20.71m of loans every day, and 829,000 people have been unemployed in the UK for more than 12 month.Some ... http://www.integrityfinancialservices.co.uk/blog.asp?date=02/08/2011&EventID=145 http://www.integrityfinancialservices.co.uk/blog.asp?date=02/08/2011&EventID=145 Personal Debt Affecting Household Income Levels||||144||||2011/7/26 Household finances for the month of July have continued to decline, with the state of finances being blamed on both personal debt levels and inflation, and the trend is set to continue for the next 12 months or more.Consumer spending power has plummeted over recent months, with soaring inflation res... http://www.integrityfinancialservices.co.uk/blog.asp?date=26/07/2011&EventID=144 http://www.integrityfinancialservices.co.uk/blog.asp?date=26/07/2011&EventID=144 Bankruptcy Is Now The Choice Of Many...||||143||||2011/7/19 People may frown upon the word "bankruptcy", but these days it is seen as a very useful and practical debt solution.With more and more people set to struggling with debt in 2011 the focus on debt solutions has shifted to bankruptcy, as people realise thats its not all about doom and gloom. Bankruptc... http://www.integrityfinancialservices.co.uk/blog.asp?date=19/07/2011&EventID=143 http://www.integrityfinancialservices.co.uk/blog.asp?date=19/07/2011&EventID=143 Investigation into the “Death” of Integrity Financial Services Ltd||||138||||2011/12/25 It has come to my attention that there are some companies stating untrue facts regarding Integrity Financial Services Ltd. The two main areas are that :-1. Integrity Financial Services Ltd is "dead" and is no longer trading.2. Integrity Financial Services Ltd is being investigated by the OFT.F... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/12/2011&EventID=138 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/12/2011&EventID=138 Bankruptcy To Be Taken Away From The Courts?||||137||||2011/6/30 Advisors at Integrity Financial Services Limited have echoed the need for Debtor's Petitions in personal bankruptcy to be taken away from the courts.The Insolvency Service points out that HM Courts and Tribunals Service is looking to exit court work which is uncontested, including most cases that en... http://www.integrityfinancialservices.co.uk/blog.asp?date=30/06/2011&EventID=137 http://www.integrityfinancialservices.co.uk/blog.asp?date=30/06/2011&EventID=137 Most People Now Recommend Professional Debt Advice||||136||||2011/6/29 Britons who face debt problems are likely to recommend professional financial advice, according to the Aviva Value of Financial Advice report.The study showed that while many people turn to their friends or family for help with money problems, around one quarter of people would choose to turn to a p... http://www.integrityfinancialservices.co.uk/blog.asp?date=29/06/2011&EventID=136 http://www.integrityfinancialservices.co.uk/blog.asp?date=29/06/2011&EventID=136 Highest Recorded Level Of Debt||||135||||2011/6/9 According to R3, the trade body for insolvency professionals, the number of people experiencing financial distress has increased to the highest level recorded. 8m people are due to go into their overdraft this month, with 2m believing that they will go into an unauthorised overdraft position. The fi... http://www.integrityfinancialservices.co.uk/blog.asp?date=09/06/2011&EventID=135 http://www.integrityfinancialservices.co.uk/blog.asp?date=09/06/2011&EventID=135 Ever Wondered What the Actual Court/Winding-up/Bankruptcy Fees Are?||||134||||2011/6/7 Court/Winding-up/Bankruptcy Fees from 1 June 2011 The total Costs of commencing an Insolvency process will increase for the 2nd time this year on 1 June 2011.The costs will now be:Court Fee £Deposit £Total £BANKRUPTCY:Debtor’s petition175525700Creditor’s petition220700920 WINDIN... http://www.integrityfinancialservices.co.uk/blog.asp?date=07/06/2011&EventID=134 http://www.integrityfinancialservices.co.uk/blog.asp?date=07/06/2011&EventID=134 Welcomed News As OFT To Revise Debt Management Guidance||||132||||2011/6/3 Integrity Financial Services Limited has welcomed news that the OFT (Office of Fair Trading) intends to publish revised debt management guidance later in June 2011, designed to tackle a range of bad practices it has identified. This follows a period of high profile enforcement action following a wa... http://www.integrityfinancialservices.co.uk/blog.asp?date=03/06/2011&EventID=132 http://www.integrityfinancialservices.co.uk/blog.asp?date=03/06/2011&EventID=132 Some Debt Management Firms 'Holding On To Cash'||||130||||2011/5/27 Integrity Financial Services Limited has welcomed an investigation by the BBC into debt management companies that have been holding onto clients cash rather than paying it to creditors.This practice is totally un-acceptable and on daily basis Integrity have people contact them who have found themsel... http://www.integrityfinancialservices.co.uk/blog.asp?date=27/05/2011&EventID=130 http://www.integrityfinancialservices.co.uk/blog.asp?date=27/05/2011&EventID=130 17 Million Brits Admit Neglecting Finances||||129||||2011/5/25 17 million Brits have admitted neglecting their financial well being according to recent research and studies.Of these people, one in five (21%) say that their debt levels are too high to feel financially secure. 19 million people also say that savings aren't high enough up the agenda, and one third... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/05/2011&EventID=129 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/05/2011&EventID=129 Credit Cards Facing Bad Press As Debts On The Increase||||128||||2011/5/24 Anyone considering plunging themselves further into debt with the help of a credit card, might want to consider the latest research figures that have revealed the extent to which credit card providers benefit from the charges they set their customers. More than £500 million has been collected by cre... http://www.integrityfinancialservices.co.uk/blog.asp?date=24/05/2011&EventID=128 http://www.integrityfinancialservices.co.uk/blog.asp?date=24/05/2011&EventID=128 Volcanic eruption poses potential disruption||||126||||2011/5/22 With fears of the latest volcanic eruption reaching the UK, Which? advises on adequate travel insurance and awareness of your travel rights.www.which.co.ukFull Article >>> ... http://www.integrityfinancialservices.co.uk/blog.asp?date=22/05/2011&EventID=126 http://www.integrityfinancialservices.co.uk/blog.asp?date=22/05/2011&EventID=126 OFT secures enforcement orders against holiday club companies||||123||||2011/5/23 The OFT has obtained enforcement orders in the High Court against two companies and seven individuals stopping them using sales and marketing practices the OFT considers to be misleading or otherwise unlawful when selling and marketing holiday club memberships and other holiday based products.www... http://www.integrityfinancialservices.co.uk/blog.asp?date=23/05/2011&EventID=123 http://www.integrityfinancialservices.co.uk/blog.asp?date=23/05/2011&EventID=123 Olympics Has Landed Many People In Debt||||121||||2011/5/17 The thrill of seeing a home-based Olympics has led to fears that some people have been seduced into over-bidding in the ticket lottery, which could leave them carrying punishing levels of debt.Integrity has come across one example where a family has bid on tickets with an estimated cost of £40,000 t... http://www.integrityfinancialservices.co.uk/blog.asp?date=17/05/2011&EventID=121 http://www.integrityfinancialservices.co.uk/blog.asp?date=17/05/2011&EventID=121 12% Drop In Household Savings A cause For Added Debt Concerns||||119||||2011/5/11 The average savings levels for British households has dropped by as much as 12 per cent in the last two years according to new research published by the financial group ING Direct.This has been echoed by advisors at Integrity who deal with peoples finance on a daily basis in regards to debt issues.T... http://www.integrityfinancialservices.co.uk/blog.asp?date=11/05/2011&EventID=119 http://www.integrityfinancialservices.co.uk/blog.asp?date=11/05/2011&EventID=119 Latest Insolvency Statistics For Q1 2011||||118||||2011/5/6 The Insolvency Service in England and Wales has today released the latest Insolvency Figures for Q1 of 2011.They show a drop in insolvencies compared to last years figures, but are these figures true to the actual situation on the ground?Advisors at Integrity don't think so, as on a daily basis they... http://www.integrityfinancialservices.co.uk/blog.asp?date=06/05/2011&EventID=118 http://www.integrityfinancialservices.co.uk/blog.asp?date=06/05/2011&EventID=118 DON'T QUALIFY FOR A HOME LOAN?||||116||||2011/4/25 Are you currently renting and looking to get on the property ladder?Are you short of the 20% getting started money that most institutions require?Or Are you self employed with less than 3 years accounts?For what ever reason you may not have qualified- we may have a solution.Private investors looking... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/04/2011&EventID=116 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/04/2011&EventID=116 HOUSES WANTED!||||115||||2011/4/21 Houses WantedCan Pay Full Market PriceANY AreaANY PriceANY ConditionANY Equity (Positive,Negative or Zero)TEXT 'MYHOUSE' to 88802or call TRISH direct on 07989 440090 ... http://www.integrityfinancialservices.co.uk/blog.asp?date=21/04/2011&EventID=115 http://www.integrityfinancialservices.co.uk/blog.asp?date=21/04/2011&EventID=115 Debt Help “Is” Available To People In The Pub Trade||||112||||2011/4/20 Despite what some people say and what you read, there is help available to people in the pub trade in England and Wales.Recent research has suggested that as many as 5 pubs per day are failing, leaving the licensees in a whole world of debt problems. Figures also suggets that approx 25 pubs are clos... http://www.integrityfinancialservices.co.uk/blog.asp?date=20/04/2011&EventID=112 http://www.integrityfinancialservices.co.uk/blog.asp?date=20/04/2011&EventID=112 Ozzy & Sharon Osbourne To Face Bankruptcy?||||110||||2011/4/18 Ozzy Osbourne and his wife Sharon are well known household names that just about get as big as A-List celebrities go. But it seems all is not well in the Osbourne household as they are reportedly in trouble with US tax authorities owing and estimated $1 million plus, and could face bankruptcy.It see... http://www.integrityfinancialservices.co.uk/blog.asp?date=18/04/2011&EventID=110 http://www.integrityfinancialservices.co.uk/blog.asp?date=18/04/2011&EventID=110 10 easy ways to get free money||||109||||2011/4/16 Which? offers 10 ways to get £100s in free cash, such as filling in surveys, using cashback sites and getting the best credit card for cash back and rewards.www.which.co.ukFull Article >>> ... http://www.integrityfinancialservices.co.uk/blog.asp?date=16/04/2011&EventID=109 http://www.integrityfinancialservices.co.uk/blog.asp?date=16/04/2011&EventID=109 OFT revokes companies' licences for misleading IVA mailings||||108||||2011/4/16 The OFT has found four businesses and/or their associates targeted consumers with misleading unsolicited mailings claiming the recipients may have been mis-sold an Individual Voluntary Arrangement.www.oft.gov.ukFull Article >>> ... http://www.integrityfinancialservices.co.uk/blog.asp?date=16/04/2011&EventID=108 http://www.integrityfinancialservices.co.uk/blog.asp?date=16/04/2011&EventID=108 Un-Welcomed News As Court Fee's To Rise Again||||107||||2011/4/15 Debt Advisors at Integrity Financial Services have said that the latest bankruptcy petition fee rise by the Insolvency Service will only add to further pressure and stress for people trying to solve their financial situation.The Insolvency Service has just issued an Amendment Order made by the Lord ... http://www.integrityfinancialservices.co.uk/blog.asp?date=15/04/2011&EventID=107 http://www.integrityfinancialservices.co.uk/blog.asp?date=15/04/2011&EventID=107 Over a third delay retirement plans in 2011||||106||||2011/4/14 Survey shows many people are forced to postpone retirement as they can't afford to stop workingwww.which.co.ukFull Article >>> ... http://www.integrityfinancialservices.co.uk/blog.asp?date=14/04/2011&EventID=106 http://www.integrityfinancialservices.co.uk/blog.asp?date=14/04/2011&EventID=106 Two unscrupulous land banking companies ordered into liquidation||||105||||2011/4/14 The second of two connected companies that mis-sold green belt land for investment to the public, was ordered into liquidation in the High Court on 30 March 2011 following an investigation by The Insolvency Service.nds.coi.gov.ukFull Article >>> ... http://www.integrityfinancialservices.co.uk/blog.asp?date=14/04/2011&EventID=105 http://www.integrityfinancialservices.co.uk/blog.asp?date=14/04/2011&EventID=105 Are You On the Tipping Point Of Debt?||||104||||2011/4/14 For individuals and families facing debt today the effects can be severe. Stress can affect health, relationships and work performance. Debt can cause arguments, isolation, marriage breakdown, job loss and even suicide. The average amount of personal debt, excluding mortgage debt, owed by individual... http://www.integrityfinancialservices.co.uk/blog.asp?date=14/04/2011&EventID=104 http://www.integrityfinancialservices.co.uk/blog.asp?date=14/04/2011&EventID=104 Families without 'worst case scenario' insurance||||103||||2011/4/11 New figures show families in the UK are more likely to insure their cars and pets than their health or salarieswww.which.co.ukFull Article >>> ... http://www.integrityfinancialservices.co.uk/blog.asp?date=11/04/2011&EventID=103 http://www.integrityfinancialservices.co.uk/blog.asp?date=11/04/2011&EventID=103 5 ways to save for your dream summer holiday||||102||||2011/4/11 Check out our Best Rate accounts and advice for the best way to save for and fund your holidays, be it this year or next.www.which.co.ukFull Article >>> ... http://www.integrityfinancialservices.co.uk/blog.asp?date=11/04/2011&EventID=102 http://www.integrityfinancialservices.co.uk/blog.asp?date=11/04/2011&EventID=102 Biggest Loss Of Income Since 1921||||100||||2011/4/11 People in the UK are now facing their biggest peace time loss of income in realistic terms since 1921, which will increase the pressure and stress of those in debt. ... http://www.integrityfinancialservices.co.uk/blog.asp?date=11/04/2011&EventID=100 http://www.integrityfinancialservices.co.uk/blog.asp?date=11/04/2011&EventID=100 Welcome News As Websites Shut To Protect Borrowers||||99||||2011/4/8 News that the OFT (Office of Fair Trading) has shut down 19 credit lead generation websites has been welcomed by staff at Integrity Financial Services today.An OFT investigation found they were unlicensed and therefore in breach of the Consumer Credit Act.The sites have now been taken down by the bu... http://www.integrityfinancialservices.co.uk/blog.asp?date=08/04/2011&EventID=99 http://www.integrityfinancialservices.co.uk/blog.asp?date=08/04/2011&EventID=99 Undisclosed Debt Problems Cause For Concern||||97||||2011/4/6 Debt Advisors at Integrity Financial Services Limited have warned today that personal debt remains a significant problem in the UK, and is set to grow and get much worse for many households.The insolvency practitioners trade body R3 have also suggested that there are 574,000 who are struggling fina... http://www.integrityfinancialservices.co.uk/blog.asp?date=06/04/2011&EventID=97 http://www.integrityfinancialservices.co.uk/blog.asp?date=06/04/2011&EventID=97 Surviving On A Budget- The Reality Check...||||96||||2011/4/6 It’s so easy to spend, spend, spend but do you know how much can you spend before falling into debt? Do you know what your income is compared with your expenses? Integrity take's a look at why you need to make a budget.Quite simply if you spend more than you can afford you will quickly end up with d... http://www.integrityfinancialservices.co.uk/blog.asp?date=06/04/2011&EventID=96 http://www.integrityfinancialservices.co.uk/blog.asp?date=06/04/2011&EventID=96 Do you know what really causes bad debt?||||95||||2011/4/5 Surprising CCCS findings explode debt myths and reveal that the main cause of bad debt is not irresponsible overspendingwww.which.co.ukFull Article >>> Half of over-45s not saving for retirementAlmost half of consumers over 45 are not saving for their retirement, and even amongst t... http://www.integrityfinancialservices.co.uk/blog.asp?date=05/04/2011&EventID=95 http://www.integrityfinancialservices.co.uk/blog.asp?date=05/04/2011&EventID=95 OFT takes action against webuyanycar.com||||90||||2011/4/3 The OFT has taken enforcement action against used car buying company webuyanycar.com over concerns that its online valuations were misleading.www.oft.gov.ukFull Article >>> OFT receives super-complaint from Which?The OFT has received a super-complaint from Which? relating to surcha... http://www.integrityfinancialservices.co.uk/blog.asp?date=03/04/2011&EventID=90 http://www.integrityfinancialservices.co.uk/blog.asp?date=03/04/2011&EventID=90 Edward Davey, BIS Minister with responsibility for the insolvency regime announces new proposals for dealing with pre-pack administrations||||89||||2011/4/3 Everyone who is affected by insolvency whether they be employees, individuals struggling with debt, consumers who have lost deposits or suppliers who have not been paid are entitled to have confidence that insolvency procedures are used fairly and that insolvency practitioners deliver the best po... http://www.integrityfinancialservices.co.uk/blog.asp?date=03/04/2011&EventID=89 http://www.integrityfinancialservices.co.uk/blog.asp?date=03/04/2011&EventID=89 Integrity Debt Solutions Help ITV With The Budget||||88||||2010/7/1 Obviously this year has seen a massive turn around in not only the economy of the country but also politics. We all know what happened when the orginal budget was delivered earlier this year. But what you may not have known was some of the responses from authoritive figures like ourselves. We ... http://www.integrityfinancialservices.co.uk/blog.asp?date=01/07/2010&EventID=88 http://www.integrityfinancialservices.co.uk/blog.asp?date=01/07/2010&EventID=88 North East Sees IVA And Bankruptcy Cases Soar||||86||||2010/7/8 The North East of England has more personal insolvency and bankruptcy cases than anywhere else in the country, according the new research. Research by insolvency trade body R3 showed that you are more likely to experience bankruptcy or apply for an individual voluntary arrangement  (IVA) if y... http://www.integrityfinancialservices.co.uk/blog.asp?date=08/07/2010&EventID=86 http://www.integrityfinancialservices.co.uk/blog.asp?date=08/07/2010&EventID=86 A Third Of Brits Use Debt To Go On Annual Holiday||||85||||2010/7/9 New research has revealed that a third of Britons will get into debt problems, so that they are able to go on their annual holiday. According to the study by insurer Bright Grey 32% of people will use credit cards, a travel agent payment plan or by taking out a loan from friends. The surve... http://www.integrityfinancialservices.co.uk/blog.asp?date=09/07/2010&EventID=85 http://www.integrityfinancialservices.co.uk/blog.asp?date=09/07/2010&EventID=85 Local Authority Job Cuts Will Increase Personal Debt Worries||||84||||2010/7/14 Local authorities across England and Wales are facing quite a high number of job losses over the coming months. This is sure to increase the personal debt worries of those employee's that may be facing up to the prospect of being jobless in the near future. In one example up to 800 jobs will go a... http://www.integrityfinancialservices.co.uk/blog.asp?date=14/07/2010&EventID=84 http://www.integrityfinancialservices.co.uk/blog.asp?date=14/07/2010&EventID=84 UK's Real Debt Means We Each Owe £65,000||||83||||2010/7/14 Every man, woman and child in the country is carrying a £65,000 share of state debt, according to the first official breakdown of how much the Government really owes. The estimate from the Office for National Statistics puts the real level of the national debt at £4 trillion - double the amou... http://www.integrityfinancialservices.co.uk/blog.asp?date=14/07/2010&EventID=83 http://www.integrityfinancialservices.co.uk/blog.asp?date=14/07/2010&EventID=83 Many Britons Have A `Lax Attitude To Debt`||||81||||2010/7/15 Many Britons display a `lax attitude to debt`, according to Tim Moss, head of loans and debt at moneysupermarket.com. He made the comment in a recent press release looking at debt levels - and borrowers` attitudes to the debts they`re carrying. It found that many people with loans and credit c... http://www.integrityfinancialservices.co.uk/blog.asp?date=15/07/2010&EventID=81 http://www.integrityfinancialservices.co.uk/blog.asp?date=15/07/2010&EventID=81 Fear Of Debt Will Keep Poor Away From University, High Debts For High Education.||||79||||2010/7/16 The current system of university funding is "fatally flawed," student leaders have warned. They were responding to a survey by the Association of Investment Companies (AIC) which showed that the economic downturn is already making it harder for some parents to support their children through highe... http://www.integrityfinancialservices.co.uk/blog.asp?date=16/07/2010&EventID=79 http://www.integrityfinancialservices.co.uk/blog.asp?date=16/07/2010&EventID=79 Banks Continue To Rip Customers Off||||78||||2010/7/19 Britain's banks are "ripping off" their customers, says Business Secretary Vince Cable Mr Cable said forcing banks to change their practices would be a key test of the coalition government. His comments come as research for BBC Panorama reveals that high street banks surveyed are charging as m... http://www.integrityfinancialservices.co.uk/blog.asp?date=19/07/2010&EventID=78 http://www.integrityfinancialservices.co.uk/blog.asp?date=19/07/2010&EventID=78 Brits Waste £150m On Credit Card Fees||||77||||2010/7/20 Every year British consumers waste £150 million on late payment credit card charges, Confused.com has revealed. Research by the price comparison site found one in four (26%) credit card holders have been charged at least once in the last 12 months for missing a late payment. Nearly one in 11 (... http://www.integrityfinancialservices.co.uk/blog.asp?date=20/07/2010&EventID=77 http://www.integrityfinancialservices.co.uk/blog.asp?date=20/07/2010&EventID=77 Britain`s "Real Debt" Is Now £78,000 Per Family||||76||||2010/7/21 Britain`s `real debt` is £78,000 per family Research by the Centre for Economics and Business Research (CEBR) has found that the `true scale` of Britain`s national debt is actually £2 trillion - which is more than twice the amount claimed to be the official figure. This means that there is £78... http://www.integrityfinancialservices.co.uk/blog.asp?date=21/07/2010&EventID=76 http://www.integrityfinancialservices.co.uk/blog.asp?date=21/07/2010&EventID=76 Cost Of Being Single: £254,082||||75||||2010/7/22 Having to carry the full burden of a mortgage, holiday costs, insurance premiums and utility bills all adds up, according to a recent study. According to the survey, the annual premium for being single is £4,794, which between the ages of 22 to 75 adds up to £254,082. Even tax can be more cost... http://www.integrityfinancialservices.co.uk/blog.asp?date=22/07/2010&EventID=75 http://www.integrityfinancialservices.co.uk/blog.asp?date=22/07/2010&EventID=75 Pensions: Women Over 50 Could Be Risking Debt Problems||||74||||2010/7/22 Only 38% of women over the age of 50 are saving adequately for their retirement, according to Scottish Widows - and they could be risking problems with debt in later life as a result. The Scottish Widows Pensions Index shows that overall only 48% of people are saving adequately for retirement, c... http://www.integrityfinancialservices.co.uk/blog.asp?date=22/07/2010&EventID=74 http://www.integrityfinancialservices.co.uk/blog.asp?date=22/07/2010&EventID=74 Shocking Debt Stats, Add To Shocking Debt Woes||||73||||2010/7/23 Striking Numbers £23.35m daily write-offs of loans by banks & building societies 1,900 people made redundant daily 772,000 unemployed for > 12 month 9,562 Number of new debt problems dealt with by CAB each day £57,944 average household debt £185m personal interest paid in... http://www.integrityfinancialservices.co.uk/blog.asp?date=23/07/2010&EventID=73 http://www.integrityfinancialservices.co.uk/blog.asp?date=23/07/2010&EventID=73 Debt Help "Is" Available To People In The Pub Trade||||72||||2010/7/23 Despite what some people say and what you read, there is help available to people in the pub trade in England and Wales. We have seen the trade decline over 18 months and it continues to, but do the people running pubs realise that there is help out there for them? A lot of licencces think tha... http://www.integrityfinancialservices.co.uk/blog.asp?date=23/07/2010&EventID=72 http://www.integrityfinancialservices.co.uk/blog.asp?date=23/07/2010&EventID=72 Consumer Confidence Wanes Due To Debt Worries||||71||||2010/7/26 Consumer confidence has fallen according to the latest Consumer Confidence survey, released today by market research company Nielsen and the British Retail Consortium (BRC). The quarterly survey asks consumers how they feel about job prospects, their own personal finances, spending intentions and... http://www.integrityfinancialservices.co.uk/blog.asp?date=26/07/2010&EventID=71 http://www.integrityfinancialservices.co.uk/blog.asp?date=26/07/2010&EventID=71 Unauthorised Overdrafts Cost An Average Of 167% A Year||||70||||2010/7/26 According to a report, customers who fall into debt by entering an unauthorised overdraft are being charged an average of 167% a year (once fees and penalties are taken into account), it has been reported. The charges people face when taking on debt in this manner include a fee for using the over... http://www.integrityfinancialservices.co.uk/blog.asp?date=26/07/2010&EventID=70 http://www.integrityfinancialservices.co.uk/blog.asp?date=26/07/2010&EventID=70 Lloyds Wins Landmark Case Over PPI Claims||||68||||2010/7/28 Lloyds TSB has won a landmark court victory which will curtail the number of ways consumers can challenge the enforceability of debts relating to payment protection insurance (PPI). A judge, who decided to hear the PPI case in the High Court in order to set a binding judgement, dismissed four sep... http://www.integrityfinancialservices.co.uk/blog.asp?date=28/07/2010&EventID=68 http://www.integrityfinancialservices.co.uk/blog.asp?date=28/07/2010&EventID=68 Concern Over Energy Debt||||67||||2010/7/29 New energy debt figures from Ofgem are the `tip of an iceberg`. The figures show that 1.1 million electricity customers and 800,000 gas customers are `officially repaying a debt`.These figures raise growing concerns about the affordability of gas and electricity in Britain today. The actual nu... http://www.integrityfinancialservices.co.uk/blog.asp?date=29/07/2010&EventID=67 http://www.integrityfinancialservices.co.uk/blog.asp?date=29/07/2010&EventID=67 Tax Credit Overpayments 'To Soar And Increase Debt'||||66||||2010/7/31 Many more people will have to pay back some of the money paid to them as tax credits in the future, experts say. At the moment credits are based on a family's own estimate of income for the coming year, with households allowed to earn an extra £25,000 before they have to pay money back to the gov... http://www.integrityfinancialservices.co.uk/blog.asp?date=31/07/2010&EventID=66 http://www.integrityfinancialservices.co.uk/blog.asp?date=31/07/2010&EventID=66 81% Of Brits Changing Shopping Habits To Cut Costs||||65||||2010/8/2 Over four fifths (81%) of British shoppers have changed the way they shop in an attempt to reduce their costs, according to banking group Santander. Over half (55%) of people now shop around for the best deals on their groceries. Over a quarter (27%) have switched to a cheaper supermarket. T... http://www.integrityfinancialservices.co.uk/blog.asp?date=02/08/2010&EventID=65 http://www.integrityfinancialservices.co.uk/blog.asp?date=02/08/2010&EventID=65 Home Repossessions Can Reach 175,000 By 2012||||62||||2010/8/5 According to an unpublished report, home repossessions in the UK could reach 175,000 by 2012. The report commissioned by the Department for Communities and Local Government, was compiled when the economy was in a much worse state than now. The Council of Mortgage Lenders says for this year, it’s ... http://www.integrityfinancialservices.co.uk/blog.asp?date=05/08/2010&EventID=62 http://www.integrityfinancialservices.co.uk/blog.asp?date=05/08/2010&EventID=62 Personal Insolvency On The Rise, As New Figures Released Today||||61||||2010/8/6 Not surprising there has been a sharp increase in personal insolvency cases in England and Wales in the second quarter of 2010. This really shows how much people are struggling currently and it will only get worse. The number of people entering bankruptcy is currently down on previous figures, howev... http://www.integrityfinancialservices.co.uk/blog.asp?date=06/08/2010&EventID=61 http://www.integrityfinancialservices.co.uk/blog.asp?date=06/08/2010&EventID=61 Dozens 'Going Bankrupt' Every Day, New Figures Show||||60||||2010/8/7 More than 4000 firms were forced into liquidation over the past three months, an increase of 0.5 per cent, according to the Insolvency Service. But the statistics, released in a week when banks reported profits of more than £15 billion, were down by almost a fifth compared to the same time last yea... http://www.integrityfinancialservices.co.uk/blog.asp?date=07/08/2010&EventID=60 http://www.integrityfinancialservices.co.uk/blog.asp?date=07/08/2010&EventID=60 Bankruptcy Is Available To Anyone, Including The Duchess Of York||||59||||2010/8/8 No matter what people think, who you are, how much money you earn, or how much money you owe, whether your famous or whether your not, bankruptcy is an option available to anyone including royalty. The Duchess of York is doing “everything she can” to avoid bankruptcy as she struggles to manage de... http://www.integrityfinancialservices.co.uk/blog.asp?date=08/08/2010&EventID=59 http://www.integrityfinancialservices.co.uk/blog.asp?date=08/08/2010&EventID=59 Debt Has Become An Increased Problem In The UK||||58||||2010/8/10 Holiday debt has become an increased problem in the UK and this is adding to our predicted rise in personal insolvencies such as bankruptcy which we will continue to see this year and next. The Association of Business Recovery Professionals (R3) has released new figures which state that holidayma... http://www.integrityfinancialservices.co.uk/blog.asp?date=10/08/2010&EventID=58 http://www.integrityfinancialservices.co.uk/blog.asp?date=10/08/2010&EventID=58 People Considering Bankruptcy 'Should Get Advice That's Fair, Right And Impartial'||||57||||2010/8/11 Consumers struggling with debt and facing bankruptcy should get advice from specialists as there are many options available, suggests an expert. Darren Perks, team leader and debt advisor at Integrity Financial Services Limited, believes that coping with uncontrollable financial difficulties is n... http://www.integrityfinancialservices.co.uk/blog.asp?date=11/08/2010&EventID=57 http://www.integrityfinancialservices.co.uk/blog.asp?date=11/08/2010&EventID=57 Young People `Afraid Of Debt`||||55||||2010/8/19 A fifth of teenagers claim they never want to get into debt, with many scared of the prospect of owing money, a survey has suggested. Around 21pc of 14 to 17-year-olds said they planned never to have a credit card or loan, with 13pc claiming they did not want to end up like their parents. A f... http://www.integrityfinancialservices.co.uk/blog.asp?date=19/08/2010&EventID=55 http://www.integrityfinancialservices.co.uk/blog.asp?date=19/08/2010&EventID=55 Parents `Calling In` Debts To Try And Ease Financial Difficulties||||53||||2010/8/24 Parents are `calling in` debts by asking for money back from their children. One in ten grown-up children gave or lent around £8,250 to their parents last year, while the year before, the same number gave or lent them £6,500. The increase is believed to be as a result of the recession - as par... http://www.integrityfinancialservices.co.uk/blog.asp?date=24/08/2010&EventID=53 http://www.integrityfinancialservices.co.uk/blog.asp?date=24/08/2010&EventID=53 Cost Of Debt About To Rise?||||52||||2010/8/25 Interest rates could rise to 8% by 2012, something which could greatly increase the cost of repaying mortgages and other debts. The economy would `have to be able to tolerate interest rates of perhaps 8 per cent` as the Bank of England tries to keep inflation down to a reasonable level. If the... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/08/2010&EventID=52 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/08/2010&EventID=52 Insolvency Service Cuts To Effect The Public?||||51||||2010/8/25 This week we have seen a dramatic decision by the Insolvency Service to phase out their online forms system due to cut backs. The online forms system provides people who wish to go bankrupt with access to the electronic statement of affairs, so that they can complete the paperwork quickly and acc... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/08/2010&EventID=51 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/08/2010&EventID=51 Women Racking Up Big Debts From Shopping||||50||||2010/8/26 Four million British women have run up average debts of £3,400 as they aim to mirror the lifestyle of celebrities, it has been reported. However, it`s not just women who are taking on the debt - around seven million people in the country have an `unquenchable thirst for shopping`. That includes o... http://www.integrityfinancialservices.co.uk/blog.asp?date=26/08/2010&EventID=50 http://www.integrityfinancialservices.co.uk/blog.asp?date=26/08/2010&EventID=50 Personal Insolvency To Hit 170,000 This Year, The Highest Ever?||||49||||2010/9/3 Cash-strapped families are being overwhelmed by debts they can never afford to repay. Banks and building societies were forced to 'write off ' £3.5billion, around £40million every day, the largest amount since records began. The alarming Bank of England figures highlight the nightmare facing mi... http://www.integrityfinancialservices.co.uk/blog.asp?date=03/09/2010&EventID=49 http://www.integrityfinancialservices.co.uk/blog.asp?date=03/09/2010&EventID=49 Tax System Blunder Increasing Personal Debt Woes||||47||||2010/9/8 More people were receiving demands for back-tax today amid warnings from the Government that they have little chance of escaping payment Treasury minister David Gauke said those affected by a HM Revenue & Customs blunder should not "build up their hopes" that appeals will succeed. The interven... http://www.integrityfinancialservices.co.uk/blog.asp?date=08/09/2010&EventID=47 http://www.integrityfinancialservices.co.uk/blog.asp?date=08/09/2010&EventID=47 EU To Rule On Basic Bank Accounts For All Including Bankrupts||||45||||2010/10/8 The European Union (EU) may force all banks in its constituent countries to offer basic bank accounts to everyone over the age of 18, regardless of their financial background. This includes people wishing to go bankrupt or have done so already. A report published by the EU claimed that around 30 ... http://www.integrityfinancialservices.co.uk/blog.asp?date=08/10/2010&EventID=45 http://www.integrityfinancialservices.co.uk/blog.asp?date=08/10/2010&EventID=45 Expecting A Baby? Expect Debt...||||44||||2010/11/1 The cost of having a baby may be contributing to debt fears for expectant parents in the UK. This is because new research has found mothers and fathers-to-be require an average of £2,980 to fund purchases needed for the new arrival. Such expense includes items such as a buggy, a car seat, clothes... http://www.integrityfinancialservices.co.uk/blog.asp?date=01/11/2010&EventID=44 http://www.integrityfinancialservices.co.uk/blog.asp?date=01/11/2010&EventID=44 Some Testimonials From Our Clients...||||43||||2010/11/2 At Integrity Debt Solutions we pride ourselves in the service that we provide our clients. Because of this we can offer a more caring, personal and professional service. We understand our clients needs and situations, and this enables us to provide and excellent service that has built up a recognise... http://www.integrityfinancialservices.co.uk/blog.asp?date=02/11/2010&EventID=43 http://www.integrityfinancialservices.co.uk/blog.asp?date=02/11/2010&EventID=43 Insolvency Statistics Revealed- Calm Before The Storm...||||42||||2010/11/5 Q3 Insolvency Statistics have been revealed to show and interesting take on personal insolvency in England and Wales so far this year. However Integrity Debt Solutions believe that the figures are just the tip of the iceberg, and trade body R3 has warned the latest insolvency figures could repres... http://www.integrityfinancialservices.co.uk/blog.asp?date=05/11/2010&EventID=42 http://www.integrityfinancialservices.co.uk/blog.asp?date=05/11/2010&EventID=42 Debt Help “Is” Available To People In The Pub Trade||||41||||2010/11/8 Despite what some people say and what you read, there is help available to people in the pub trade in England and Wales. We have seen the trade decline over 18 months and it continues to, but do the people running pubs realise that there is help out there for them? A lot of licensees think that o... http://www.integrityfinancialservices.co.uk/blog.asp?date=08/11/2010&EventID=41 http://www.integrityfinancialservices.co.uk/blog.asp?date=08/11/2010&EventID=41 51% Of Families Struggling To Pay Debts||||38||||2010/11/16 Concern is growing as that 51% of families in the UK are now struggling to pay back their debts. It follows a warning from the Bank of England that the cost of living is set to soar - tightening the financial squeeze on a nation already in the grip of a household debt crisis. The Bank's Governor... http://www.integrityfinancialservices.co.uk/blog.asp?date=16/11/2010&EventID=38 http://www.integrityfinancialservices.co.uk/blog.asp?date=16/11/2010&EventID=38 Third Of Britons Can't Last A Week On Savings||||37||||2010/11/19 According to a shocking new survey, one in three UK adults has not got enough savings to survive just five days without work.  The results have been echoed by Integrity Debt Solutions who say that this along with an increase of people struggling with personal debt is just the start of things to come... http://www.integrityfinancialservices.co.uk/blog.asp?date=19/11/2010&EventID=37 http://www.integrityfinancialservices.co.uk/blog.asp?date=19/11/2010&EventID=37 Millions Of Britons Still Paying For Last Xmas||||36||||2010/11/22 More than two million Britons are still paying for last Christmas it has disclosed. As millions of shoppers gear up to two of the biggest shopping weekends on the calendar, figures showed 2.3 million had still not paid off their credit card bills from a year ago. One in seven borrowed to fund ... http://www.integrityfinancialservices.co.uk/blog.asp?date=22/11/2010&EventID=36 http://www.integrityfinancialservices.co.uk/blog.asp?date=22/11/2010&EventID=36 Debt Company Sets "Exemplary Standard" In Mystery Shop For OFT||||35||||2010/11/23 Integrity Financial Services Limited has set an exemplary standard in a recent OFT (office of fair trading) mystery shop on Debt advice companies. The mystery shop was undertaken by 'Zero Credit' who pledged to support the OFT to ensure that their CCA Search Facility contiunes to operate effectiv... http://www.integrityfinancialservices.co.uk/blog.asp?date=23/11/2010&EventID=35 http://www.integrityfinancialservices.co.uk/blog.asp?date=23/11/2010&EventID=35 Do You Know What Your Income Is Compared With Your Expenses?||||34||||2010/11/24 It’s so easy to spend, spend, spend but do you know how much can you spend before falling into debt? Do you know what your income is compared with your expenses? Integrity take's a look at why you need to make a budget. Quite simply if you spend more than you can afford you will quickly end up wi... http://www.integrityfinancialservices.co.uk/blog.asp?date=24/11/2010&EventID=34 http://www.integrityfinancialservices.co.uk/blog.asp?date=24/11/2010&EventID=34 Bankruptcies set to rise in 2011||||32||||2010/12/3 Bankruptcy could be an option for consumers who are struggling to pay off their debt, especially in 2011 as levels of unemployment are expected to rise. After recent research our debt advisers believe that banks will have to write off plenty of personal debt as more people will have less chance t... http://www.integrityfinancialservices.co.uk/blog.asp?date=03/12/2010&EventID=32 http://www.integrityfinancialservices.co.uk/blog.asp?date=03/12/2010&EventID=32 Changes To Bankruptcy Policy||||31||||2010/12/6 From the 1st of December 2010 the policy surrounding the amount a bankrupt person is required to pay towards their debts was changed. However debt advisors at Integrity have advised that although this was to be expected from the government, it will not affect the way that they advise and help the... http://www.integrityfinancialservices.co.uk/blog.asp?date=06/12/2010&EventID=31 http://www.integrityfinancialservices.co.uk/blog.asp?date=06/12/2010&EventID=31 60% Increase In People Falling Into Debt||||30||||2010/12/9 The number of people who admitted to falling behind with bills and payments and into debt problems has increased by 60 per cent in the UK , and is now around 3.75 million. The news comes as we see a lull in the levels of personal insolvency in England and Wales, but a storm in brewing on the hori... http://www.integrityfinancialservices.co.uk/blog.asp?date=09/12/2010&EventID=30 http://www.integrityfinancialservices.co.uk/blog.asp?date=09/12/2010&EventID=30 Thanks As Corrupt Debt Advice Firm Shut Down||||29||||2010/12/13 Integrity Debt Solutions has welcomed news that a corrupt debt advice firm has been shut down, after being forced into liquidation by the Insolvency Service. The company which advertised itself as a 'one stop shop' for dealing with bankruptcy, has a track record of complaints and reputation for o... http://www.integrityfinancialservices.co.uk/blog.asp?date=13/12/2010&EventID=29 http://www.integrityfinancialservices.co.uk/blog.asp?date=13/12/2010&EventID=29 Government Are To Close More Than 140 Courts||||28||||2010/12/14 The Government is to close 93 magistrates' courts and 49 county courts in England and Wales, justice minister Jonathan Djanogly has said. Debt advisors at Integrity Debt Solutions have warned that 'this will now create a huge backlog of cases in the couty courts regarding insolvency issues, and... http://www.integrityfinancialservices.co.uk/blog.asp?date=14/12/2010&EventID=28 http://www.integrityfinancialservices.co.uk/blog.asp?date=14/12/2010&EventID=28 Borrowing For Xmas Increases To Six Million||||27||||2010/12/17 Almost six million people have borrowed money to pay for Christmas, up almost 50 per cent on last year. The figures are revealed ahead of the final shopping weekend before Christmas, amid fears that last-minute spending over the festive period will leave millions unable to pay their essential b... http://www.integrityfinancialservices.co.uk/blog.asp?date=17/12/2010&EventID=27 http://www.integrityfinancialservices.co.uk/blog.asp?date=17/12/2010&EventID=27 Dealing With Debt In 2011||||23||||2011/1/4 As we start the New Year many people will be waking up to a debt hangover day after day. There were more than 140,000 individual insolvencies in England and Wales in the last year, and debt advisors at Integrity Debt Solutions are predicting a rush of activity in January and February which they are ... http://www.integrityfinancialservices.co.uk/blog.asp?date=04/01/2011&EventID=23 http://www.integrityfinancialservices.co.uk/blog.asp?date=04/01/2011&EventID=23 The Stigma Of Bankruptcy? Well It's Not What You Think...||||22||||2011/1/5 Are you up to your eyeballs in debt? Are the Constant phoning and letters driving you to distraction? Do you dread every knock at the door? I know what you are going through, you have my sympathy. I am a full time debt advisor and I’m proud to say a discharged bankrupt. My experience of debt is f... http://www.integrityfinancialservices.co.uk/blog.asp?date=05/01/2011&EventID=22 http://www.integrityfinancialservices.co.uk/blog.asp?date=05/01/2011&EventID=22 Is ‘The WAG Effect’ Sending Female Debt Soaring?||||21||||2011/1/5 These days women are told that they can have it all, the career, the family, the luxury goods, and while that is true to some extent, it may be the reason behind the increase in British women going bankrupt. The number of women going bankrupt in the last decade has increased from 6,042 to 29,680 ... http://www.integrityfinancialservices.co.uk/blog.asp?date=05/01/2011&EventID=21 http://www.integrityfinancialservices.co.uk/blog.asp?date=05/01/2011&EventID=21 7 Million Homeowners Will Face Debt Crisis As Repossessions Set To Rise||||18||||2011/1/19 More than seven million homeowners could be affected when interest rates begin to rise, and the number of people being evicted from their homes will rise this year, as banks lose patience with home owners who fail to keep up with their mortgage payments.  Advisors at Integrity Debt Solutions have... http://www.integrityfinancialservices.co.uk/blog.asp?date=19/01/2011&EventID=18 http://www.integrityfinancialservices.co.uk/blog.asp?date=19/01/2011&EventID=18 Bankruptcy Myths and Legends Interview with Insolvency Solicitor||||15||||2011/1/25 ... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/01/2011&EventID=15 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/01/2011&EventID=15 Using Corporate Insolvency Techniques To Help Individuals||||14||||2011/1/25 Hear how Corporate Insolvency Techniques Can Help You. Interview with James Nicholls of Nicholls and Co Insolvency Solicitor. James Nicholls Interview-Click Here... http://www.integrityfinancialservices.co.uk/blog.asp?date=25/01/2011&EventID=14 http://www.integrityfinancialservices.co.uk/blog.asp?date=25/01/2011&EventID=14 Divorce & Debt- It's Not Just About Who Gets The Dog...||||12||||2011/2/10 Divorce has been listed in the top four reasons as to why people are seeking debt help. Approx 10% of people seeking debt help stated that divorce or seperation was the reason why they had fallen into debt. At Integrity Debt Solutions we regularly deal with people going through a divorce or separ... http://www.integrityfinancialservices.co.uk/blog.asp?date=10/02/2011&EventID=12 http://www.integrityfinancialservices.co.uk/blog.asp?date=10/02/2011&EventID=12