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• Is EuroDebt right for you?
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• Your Debt Management Plan
• Your Personal Case Manager
• Your Single Payment Plan
• Your Annual Review
• Full and Final Settlements

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• EuroDebt Client Charter
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EuroDebt Debt Solutions

At the heart of the €uroDebt service is the face-to-face meeting with an experienced Advisor, who will discuss your circumstances, detail your income & expenditure in your Client Financial Planner and discuss all of the Debt Solutions available to you, which may include; a Debt Management Plan, an Individual Voluntary Arrangement (IVA or Scottish Trust Deed in Scotland), Bankruptcy, a Debt Relief Order or other alternatives that may emerge in the current recessionary climate.

Key features of the EuroDebt service are:

• Confidential - It is confidential and non-judgemental, YOU are our client. We have established a Client Charter that sets out the service you can expect from EuroDebt.
• An appointment within 2 days - You receive immediate confirmation of your Advisor appointment once you contact EuroDebt by telephone. Our aim is for an Advisor to meet you within 2 working days of you contacting EuroDebt.
• Prioritising debts - We will support you in dealing with arrears on priority debts such as your mortgage, rent, council tax or utility arrears.
• Prioritising court actions - Urgent processing of court documentation, for example, to try to stop bailiffs entering your property or to get a variation order on any judgment debts you may have.
• Rapid contact with you creditors - Upon approval of your Debt Management Agreement (DMA), EuroDebt will contact your creditors within 2 working days to advise of our appointment and to request up-to-date balances and request that interest & charges be frozen. We have a specialist Creditor Liaison Manager and their role is to ensure that we deal with the right contacts within each creditor organisation. Moving your account from one of the collection departments or debt collection agencies to a specialist "hardship" unit can be a very important first step.
• Making Payments - We accept payments by standing order, direct debit, cheque etc. We can also take payments over the Internet or over the telephone. Flexibility is very important when administering payments when you have the funds available. We offer many of our clients an Allpay payment card that allows them to make weekly or ad hoc payments at the Post Office or any shop showing the Payzone sign.
• Cashplus prepaid MasterCard - EuroDebt offers its clients the opportunity to apply for a Cashplus prepaid MasterCard that can be used anywhere displaying the MasterCard brand. This is not a credit card. The card allows you to take advantage of many cheaper purchasing channels (e.g. on the Internet) that would not normally be available to someone in serious debt. Again, the intention is to optimise your income in your day-to-day activities and reduce the stigma of being in debt. Your salary or wages can also be paid onto the card if you do not have access to a basic bank account.
• 14 day cooling off period - Whilst EuroDebt is not bound by Distance Selling Regulations, we do offer a 14 day "cooling off" period after you sign the agreement. You will be offered the opportunity to waive this right if you want to immediately move onto a Debt Management Plan.
• Full & Final Settlements - We offer to negotiate full & final settlements with creditors with the objective of reducing the final balance paid to settle the debt. This would then be shown as a "satisfied" balance on your credit file. This has the benefit of improving your credit rating should you apply for credit in the future. This is most common where someone entered a Debt Management Plan because of major adverse changes in personal circumstances, such as divorce, bereavement, illness, accident, but their position positively changes during the term of the plan.
• Annual Financial Reviews - We offer regular financial reviews. These take place at least once a year, on the anniversary of you joining the plan or your last annual review. Creditors may also request reviews which we will deal with at short notice.