At GoCompare, have designed a balance transfer calculator to help you become debt-free faster and find out how much you could save.
Enter how much you’d like to transfer (the total amount of debt you want to move from your credit cards) and how much you can afford to repay each month – https://www.gocompare.com/credit-cards/balance-transfer-credit-cards/calculator/
25 Steps for Estate Planning – The Law Offices of Travis R. Walker, PA (traviswalkerlaw.com) (USA)
Other Financial Links
Money Advice Service
For free, unbiased, and easy-to-access money tools, information, and advice visit www.moneyadviceservice.org.uk or phone 0300 500 5000 to speak to a Money Adviser
If you live in England, Wales, or Scotland phone 0808 808 4000 or visit www.nationaldebtline.org for debt advice and information
StepChange Debt Charity
For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org
Financial Literacy (USA)
Fluid Credit Card
Q: What happens if my account falls into Persistent Debt?
The FCA now requires us to monitor your account to check it’s not falling into Persistent Debt. If you do, we will contact you to let you know and suggest ways that you can increase your payments. You can still use your card as normal as long as you stay within your credit limit but we won’t be able to offer you any credit limit increases. If your account is still in Persistent Debt after 36 months we are required to take additional measures to help you pay off your balance in a reasonable period. In certain circumstances, we may need to freeze your card until you increase your repayments.
Q: How do I avoid my account being in Persistent Debt?
Regularly making payments higher than the contractual minimum payment will help to avoid your account being in Persistent Debt. To help you do this, we have introduced Boosted Payments. This is a variable higher payment that will clear your balance faster and help you save on interest. You can of course make additional payments whenever you choose.
Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156). Credit is subject to status, affordability, and credit checks. Credit is only available to UK residents aged 18 and over.
Trade and professional associations
Your creditor may belong to one of the following trade or professional associations which have a code of practice that its members must follow. You can find a list of members on the organizations’ websites:
The Finance and Leasing Association
15 -19 Kingsway
Tel: 020 7836 6511
Credit Services Association
2nd Floor East
Newcastle upon Tyne
Tel: 0191 286 5656
Email: email@example.com or firstname.lastname@example.org
Consumer Credit Trade Association (CCTA)
Suite 4 The Wave
1 View Croft Road
Tel: 01274 714959
Financial Conduct Authority (FCA)
12 Endeavour Square
Consumer helpline: 0800 111 6768 (freephone), 0300 500 8082
Introduction to our guide on ‘Financial Difficulty’ and what we have included at Glance (Part 1).