IVA & Debt Advice covering the enire UK including St Davids

Freephone IVA & Debt Advice covering the entire UK including the Pembrokeshire area

Please note that Money Advice Direct Debt Advice Service is a national organisation covering the entire UK. Please note that the service operates from offices in London and a national telephone advice centre in the north of England. The service does not operate a physical office or a seperate team in each of the city and regions listed on this page.

St David's is the smallest city in the United Kingdom, with a population of under 2,000 people. It lies on the River Alun, on Saint David's peninsula in Pembrokeshire, Wales. Enquiries into debt advice have from residents of St Davids have risen by 120% as households feel the impact of Britain's recession. The average amount of unsecured debt per household edged up by over £1,500 to almost £38,700 during the course of last year.

Money Advice Direct operations cover the entire UK including St Davids and South Wales. The service aims to help people gain the skills and confidence to manage their money and avoid getting into serious debt. The advice team covering want to see everyone in the UK having access to a freephone 24 hour debt advice on 0800 074 6918 and the confidence and capability to access and understand the debt solutions available.

It is clear that consumers in St Davids and all across Pembrokeshire are becoming increasingly concerned about the state of their finances, but are also looking at ways to alleviate the pressure of debt on their shoulders. Rather than taking out a potentially expensive debt consolidation loan or turning to other bankruptcy many residents of St Davids may want to consider other available alternatives such an IVA or Individual Voluntary Arrangement and Debt Management Plans to clear personal debts (subject to terms and conditions).

DEBT is now the number-one problem for people in South Wales

There were over 100,000 debt client issues in South Wales last year. Credit card debt enquiries across South Wales as a whole have risen by 26% in the past year, within South Wales alone Money Advice Direct has seen requests for help with credit, store and charge card debts jump by 120%.

People are using credit, store and charge cards to pay for everyday items, including mortgage repayments. There are also growing fears for the health and safety of thousands of people in South Wales who are unable to afford to heat and light their own homes.

Popular methods to  help clear Personal Debt in St Davids, South Wales

IVA to deal with serious debt problems over £17,000 (subject to terms and conditions)
An IVA or Individual Voluntary Arrangement is a popular way to deal with serious debt problems. The IVA is an alternative to bankruptcy. To qualify for an IVA you must first owe over £17,000 to at least 3 different lenders. The debt are reduced by up to 60% and the amount of debt is divided into monthly payments for 5 years. Generally the monthly payments start from £200. But it can go up if the amount of total debts is high. There is no upper limit of the monthly payment as amount of debts can be very high. Through their specialist training, Money Advice Direct can deliver their expertise on the IVA procedure to help those struggling with serious debts over £17,000. To apply for an IVA please click HERE

Debt Management to clear Personal Debts over £2,000 (subject to terms and conditions)
A Debt Management Plan can be used long term or short term depending on your circumstances and other possible future options. If successful this would probably result in lower or token payments which in turn would mean you taking longer to pay off your debts. Read more about Debt Management Plans here

Bankruptcy to clear Debt over £750
Bankruptcy is a court order that you can apply for if you're in debt. It may be the best way for you to free yourself from excessive debts that you simply cannot pay by sharing out any assets you have among your creditors. Someone you owe money to could also make you bankrupt, even if you don't apply for it through your own choice. Read more about Bankruptcy

Do you live in St Davids, Pembrokeshire?

Money Advice Direct national debt advice team covers the entire UK including the following areas of St Davids and the following regions of Pembrokesireshire:-

• Cilgerran
• Fishguard
• Goodwick
• Haverfordwest
• Milford Haven
• Narberth, Pembrokeshire
• Newport, Pembrokeshire
• Neyland
• Pembroke Dock.
• Pembroke, Pembrokeshire
• St David's
• Templeton, Pembrokeshire

Clearly many people in St Davids are struggling under the current financial pressures, making it more important than ever that individuals take stock of their situation before it reaches a critical point.

Money Advice Direct want people to be able to plan for their futures with a reasonable degree of security and to have the right information and the skills to avoid getting into debt, as well as knowing where to find help should they need to.

To contact an advisor call at Money Advice Direct call 0800 074 6918. Alternatively complete an online enquiry form and an advisor will call you back at the time that you specify.

Please note that the Bankruptcy-Insolvency.co.uk Debt Service is a national organisation covering the entire UK. Please note that the service operates from offices in London and a national telephone advice centre in the north of England. The service does not operate a physical office or a seperate team in each of the city and regions listed on this page.

This is a list of offical cities within the United Kingdom covered by Money Advice Direct.  

• Aberdeen
• Armagh
• Bangor
• Bath
• Belfast
• Birmingham
• Bradford
• Brighton and Hove
• Bristol
• Cambridge
• Canterbury
• Cardiff
• Carlisle
• Chester
• Chichester
• City of London
• Coventry
• Derby
• Dundee
• Durham
• Edinburgh
• Ely
• Exeter
• Glasgow
• Gloucester
• Hereford
• Inverness
• Kingston upon Hull
• Lancaster
• Leeds
• Leicester
• Lichfield
• Lincoln
• Lisburn
• Liverpool
• London
• Londonderry
• Manchester
• Newcastle upon Tyne
• Newport
• Newry
• Norwich
• Nottingham
• Oxford
• Peterborough
• Plymouth
• Portsmouth
• Preston
• Ripon
• Salford
• Salisbury
• Sheffield
• Southampton
• St Albans
• St Davids
• Stirling
• Stoke-on-Trent
• Sunderland
• Swansea
• Truro
• Wakefield
• Wells
• Westminster
• Winchester
• Wolverhampton
• Worcester
• York
  

List of counties covered by Money Advice Direct

• Avon
• Bedfordshire
• Berkshire
• Borders
• Buckinghamshire
• Cambridgeshire
• Central
• Cheshire
• Cleveland
• Clwyd
• Cornwall
• County Antrim
• County Armagh
• County Down
• County Fermangh
• County Londonderry
• County Tyrone
• Cumbria
• Derbyshire
• Devon
• Dorset
• Dumfries and Galloway
• Durham
• Dyfed
• East Sussex
• Essex
• Fife
• Gloucestershire
• Grampian
• Greater Manchester
• Gwent
• Gwynedd County
• Hampshire
• Herefordshire
• Hertfordshire
• Highlands and Islands
• Humberside
• Isle of Wight
• Kent
• Lancashire
• Leicestershire
• Lincolnshire
• Lothian
• Merseyside
• Mid Glamorgan
• Norfolk
• North Yorkshire
• Northamptonshire
• Northumberland
• Nottinghamshire
• Oxfordshire
• Powys
• Rutland
• Shropshire
• Somerset
• South Glamorgan
• South Yorkshire
• Staffordshire
• Strathclyde
• Suffolk
• Surrey
• Tayside
• Tyne and Wear
• Warwickshire
• West Glamorgan
• West Midlands
• West Sussex
• West Yorkshire
• Wiltshire
• Worcestershire