If you’re concerned that something may be wrong with the credit facilities provided to you by banks or other credit providers, but you can’t quite pinpoint the issue (for example, if you’re struggling to pay a loan that you believed was affordable), our experience has shown that it could be due to administrative issues in processing the credit application, approving the credit, or potentially issues with the debt collection methods used by the credit provider if the loan is in arrears.

Identifying credit code compliance breaches in your loan contracts can be a powerful way to address these concerns. It can help you negotiate reduced interest rates, more favorable terms, and even potentially reduce the overall debt amount. This strategy applies to various types of loans, such as credit cards, personal loans, mortgages, property investments, vehicle loans, and any debt exceeding $10,000. We also provide assistance for smaller debts. Don’t hesitate to explore this option to improve your financial situation

But first, let’s deal with the elephant in the room.

Few consider this, but your debt and your feelings around your debt stir deep within you. We’ve seen this over and over again. Thoughts start running through your head such as;

  • “If you’re in debt you should be ashamed of yourself”.
  • “Can’t pay your bills as everybody else does? Is there something wrong with me?”
  • “You promised to pay, and you’re breaking your word.”


The emotional burden that debt can carry, influenced by societal norms and personal experiences is real and should not be brushed aside. It’s common to feel overwhelmed and trapped, especially when credit providers and debt collectors exploit these emotions for their gain, often neglecting your mental well-being in the process.The communication strategies employed by some can evoke feelings of shame, compelling you to prioritize payments even at the cost of your financial stability and the well-being of your family. This can lead to a cycle of helplessness and inaction, making the situation even more challenging.Let’s reflect on the moment you took on that credit card, personal loan, mortgage, or business finance. Your intentions were noble, aiming to fulfill your obligations responsibly and utilize the funds for meaningful purposes in your personal or business life.

You expected your credit provider to act ethically, adhering to consumer credit codes and ensuring your financial security and ability to repay the loan. However, the reality often feels like struggling in quicksand, with little support from them when you need it most. Despite the rhetoric of being “in this together” in advertisements, the power dynamics can feel skewed, leaving you feeling trapped and disempowered. It’s crucial to approach these challenges with mindfulness and seek assistance to regain financial control and find peace of mind. While we are not professional counselors, the National Debt Help Line is an invaluable resource for emotional support related to debt. This government-funded service is free for consumers in need, providing assistance for mental and emotional issues associated with debt. Further we have access to ‘life coaches’ who specialise in these areas and can provided private consultation sessions, while we get on with the business of negotiating your debt settlements.  If you would like more information on this please don’t hesitate to call or email.

To Shedding Light On Credit Codes And The Impact Your Debt Situation

To shed light on the intricate world of credit codes and compliance issues that impact your debt situation. It’s important to understand that credit providers are not necessarily acting maliciously; rather, navigating the complex landscape of credit codes and compliance is both challenging and costly. Through our thorough examination of thousands of applications, we’ve uncovered numerous breaches of compliance regulations. Our specialized software meticulously scans for compliance items across multiple codes, revealing a significant number of non-compliant credit facilities. While this may come as a surprise, it’s not uncommon for credit providers to fall short of compliance standards at times.

So, what does this mean for your debt?

Essentially, if the credit provider should not have extended credit to you due to compliance breaches, the responsibility lies with them to rectify the situation. Failure to do so can result in consequences in terms of time, money, and reputation. However, many providers are motivated to resolve these issues promptly, often leading to the reduction of a substantial portion of your debt and the establishment of a manageable repayment plan with low monthly payments and 0% interest.

You may be concerned about how engaging us to review your loan’s compliance will impact your credit score. I want to assure you that our involvement does not have a negative effect on your creditworthiness. Your credit score remains separate from the compliance issues with your credit provider. Once we intervene, the harassing calls and letters should cease as we take over all communication on your behalf.

In conclusion, while compliance breaches can be daunting for lenders to dispute, especially given their resource limitations, it’s essential to seize this opportunity to negotiate and reach a positive outcome for your debt situation