Publication-24-16

The money matter:
savings and
reclaims
Debt solutions
made simple
Get
f r e e
stufs
www.impospublications.com

CONTENTS
01
Reclaim PPI For Free
Page 5 -9
02
Packaged Bank Account
Page 10 -11
03
Flight Delay Compensation
Page 12 -15
04
Holiday Sickness Claim
Page 16 -20
05
Saving On Utility Bills
Page 21 -24
06
Pop Telecom
Page 25 -27
07
Road Accident Claims
Page 28 -29
08
Pension Reviews
Page 30
09
Life Insurance
Page 31 -32
10
Debt Management Plan
Page 33 -36

11
Individual Voluntary
Arrangements
Page 37 -40
12
Protected Trust Deed
Page 41 -43
13
Marriage Tax Allowance
Page 44 -45
14
Bad Credit Loans
Page 46 -47
15
Pre-paid Funeral Plans
Page 48 -50
16
Latest Free Stufs
Page 51 -52

Editorial
Column
About Us
Finance Guide-
A non advisory service, a
guide though the financial
dificulties you face
everyday, providing
information and details to
help you tackle obstacles in
the best possible ways.
Contact
write or contact us on
impospublications.com
2038834903
Our Aim
Everybody needs a helping
hand. We here at Finance
Guide strives to be that hand
to pull you out of hardship or
push you to higher financial
positions. Included in these
pages are all the details you
need to know about all
things "finance" a common
man needs to know and a
guide to achieving them or a
help out of them.
We focus on up-to-date
information, hence, the
magazine will stay updated
with the latest information
to make sure you stay
updated.
4

Have You
Been mis-sold
PPI? Claim
£1,000s for
mis-selling
with time-bar
looming.
An urgent call for everyone
who's had a loan, credit or
store card, catalogue account,
overdrat or car finance. The
regulator in August reiterated
plans to introduce a time-bar
on claims! If you were logged
worthless PPI – and if you were
rejected before and didn't go
to the Ombudsman,
Check now.
5

What IsPPI?
PPI stands for 'Payment Protection Insurance'. It's designed to cover
your loan or credit card repayments in case you face some financial
crisis in terms of an accident, sickness or unemployment.
PPIs has been widely mis-sold, and you could even have it without
your knowledge. If you were mis-sold PPI, you may be able to
reclaim £1,000s.
What I Mis Sold PPI?
Were you told it was compulsory?
Consumers are oten told by
sales agents that they must buy a policy
from the same provider as the loan in order to be
accepted for the product. This is mis-selling. You can
tell if you were mis sold if the below conditions
applies to you.
1. Didn't make it clear the policy was optional or tell
you about any cooling of period.
2. Implied or stated it would be more expensive if you
didn't take the insurance.
3. Implied or insisted you take out their policy to
qualify for the product or help with your application.
4. Was very pushy when selling the product, so you
felt you could not say no.
5. Would not let you continue with the application if
you did not sign the insurance agreement as well.
If one of the above applies, then go to the how to
reclaim section.
6

mis-sold
PPI?
CLAIM
How do i Make a
claim?
There are many
Companies in the
UK ready to help
you out at a No
Win, No Fee basis.
All you need to do is
browse through the
internet and find
out for yourself a
proper service.
7

•A £5,000 loan for 5 years at 5%
should be £95 a month.
•A £10,000 loan for 10 years at
10% should be £130 a month.
•A £20,000 loan for 3 years at
20% should be £740 a month.
Very Big money!
You could get
thousands of pounds
depending upon the
type of reclaim you
are looking for. It's
possible to estimate
how much the
insurance has cost to
see what you can
reclaim. It then
depends whether you're entitled
to the full amount, or just part of
it.
One way of doing this is to work
out what your monthly loan
payment should have been. If you
were paying more, it's likely PPI
was included. You can compare
the table to get a vague idea of
how much you can get.
8

Loans :
Estimating the reclaim size
MONTHLY
REPAYMENT
LOAN
LENGTH
TOTAL COST
(LENGTH X
REPAYMENT)
ESTIMATED
INSURANCE
COST (15% OF TOTAL)
£100
3 years (36
months)
£3,600
£540
£125
5 years (60
months)
£7,500
£1,125
£150
5 years (60
months)
£9,000
£1,350
£200
7 years (84
months)
£16,800
£2,520
£150
20 years (240
months)
£36,000
£5,400
Once you've worked out the amount, you
can add the actual cost of any interest (so
you're in the same position you would've
been without the insurance), plus the 8%
interest a court would give to compensate
(this was 15% for premiums paid before 1
Apr 1993)
Get in Touch @ www.impospublication.com
9

GET YOUR RECLAIM
Packaged Bank Account Fees
Do you pay a monthly fee or paid a
monthly fee for your bank account? Have
a Packaged Account that you were
logged into? You may be able to claim
£100s or £1,000s!!
Are packaged
accounts right
for me?
Packaged accounts can be brilliant,
but they can also be useless. These
accounts are where you pay a
monthly fee for your account in
return for benefits, most oten
bundled insurance
policies. If you've
chosen one based
on a rational
decision,
it's
probably a
good
account as
they can be the
cheapest way to get
many types of
insurance.
But if you were logged one by a
pushy sales agent, you could be
owed serious cash, as banks have
been found to have systemically mis-sold
them.
HOW DO I MAKE A CLAIM?
if you have been mis sold a Packaged Bank Account and
want a reclaim for it, call the Financial Ombudsman Service
or seek help through a financial advisor to know whats best
for you.
10

The mis-selling checklist
Have I
been
mis-sold?
Examples of how
you might have
been mis-sold
include:
How much
can I get?
If you're mis-sold
you should get the
fees you paid back,
plus interest. So
quite simply,
if you paid
£15/month
for two years you
should get £360 back
(£15 x 24 months)
plus interest.
1. You were signed up without being told.
2. You weren't told you could have a free
bank account instead.
3. You were told having one would
improve your credit score.
4. You were told you would get
‘unbeatable’ deals on other financial
products or services by taking out this
account but found you could get them
cheaper as a new customer.
5. You were told you had to get a
packaged account in order to access
other products such as a loan or
mortgage.
6. You were signed up to an account and
your bank knew you wouldn't be eligible
to claim on one or more of the benefits -
eg. you were too old to be able to use the
travel insurance.
7. Your bank or building society failed to
tell you that you were no longer eligible
for one or more of the benefits - eg. you
had passed the maximum age limit to
claim on the travel insurance.
Get in Touch @ www.impospublication.com
11

Flight Delay
Compensation
Up to £510/person,
back to 2010
If you're delayed by more than three hours or your
light's cancelled, under EU rule 261/2004 you are oten
entitled to between £110 and £510 in compensation –
and it's possible to claim this for free
Big money in light delays!!!
The doors for mass
compensation for long light
delays were lung open in
October 2012 following a
landmark ruling by the European
Court of Justice. It clarified that
passengers were entitled to
compensation for long delays (as
long as they met the set criteria)
following a challenge by some
airlines. Since then, passengers
who've been delayed have been
fighting to get that compensation
has helped lead the charge.
Over 480,000 people have
downloaded our free light
delay reclaiming letters – and
we launched a free online
reclaim tool to make the
process even easier in August
2015.
Not everyone has won
compensation. Some airlines
have been trying to block
people from claiming for
lights that were over two years
old, and for unforeseeable
technical faults, although
courts have ruled against this
at the end of 2014 and in
September 2015. 12

Flight Delay Compensation Rules
If you booked a light that departed from Europe or was with a
European airline, you might have rights under EU law if your
light is delayed or cancelled. For the EU law to apply, one or both
of the following must apply:
• Your light is departing from the UK, European Union (EU),
Iceland, Liechtenstein, Norway or Switzerland.
• You're lying with a UK or EU airline to somewhere in the UK, EU,
Iceland, Liechtenstein, Norway or Switzerland.
BREXIT
IMPACT
The light delay regulations above
come from the EU and so it's likely
they'll stop when the UK leaves the
union. Nothing is confirmed yet
though and we won't be exiting for at
least two years, probably more, so in
the meantime, everything here still
stands.
13

30% of people have
experienced delays or
cancellations with
their light
Compensation for delays is only due
on lights arriving over 3 hrs or more
late. How long the delay determines
how much you could be entitled to
Crucially, this is a straight rule. It's
about when you arrive, not when you
leave.
So if you're on a light that takes of
four hours late but lands 2 hrs 55 mins
late, you're not over the 3-hr delay
needed to be eligible for
compensation.
Your arrival time is actually deemed
to be when the plane opens at least
one of its doors, not when it touches
down. This follows a ruling by the
European Court of Justice in
September 2014, ater Germanwings
unsuccessfully tried to argue that as
its plane had touched down just less a
than 3-hrs late its passenger had no
right to compensation.
Get up to
£600 per
passenger in
compensation
The 3-hr rule is also about
compensation for a delay, not a
refund of the light ticket cost, so
the amount you are due is fixed
dependent on the delay length
and distance travelled. You can
use the Web Flyer site to check the
distance of your light.
Compensation is also per person,
so for a family of four, quadruple it
(although where a passenger
travels free of charge – a child, for
example – you cannot claim). BUT
compensation is based in euros,
meaning the amount you'll get in
sterling will luctuate, depending
on the exchange rate at the time
the payment is made.
14

Know How Much
You Could Get?
Arrival
Delay
Distance
Cost
Compensation
(if you travelled)
Fare Refund
(if you didn't travel)
Under 2 hrs
Any Distance
No
No
No
2 hrs - 2hrs
59mins
Any Distance
May be (iii)
No
No
All lights under 1500km
(eg. London)
Yes
€250 (£210)
3 hrs +
All lights between
1500km - 3500 km (eg.
Manchester - malaga)
Yes
€400 (£340)
3 hrs - 4 hrs
Flights within the EU
only, 1500km +
Flights between an EU
and none EU airport
3500km + (eg. London to
Newyork)
Yes
No
€400 (£340)
€300 (£260)
Yes, If delayed
Over 5 hrs
4 hrs +
Flights between an EU
and none EU airport
3500km + (eg. London to
Newyork)
Yes
€600 (£510)
To Newyork
(i) You're only entitled to compensation if you meet the eligibility
criteria outlined in the guide.
(ii) You're entitled to a refund of your fare, regardless of the delay's
cause.
(iii) Depending on the length of the light, this rule kicks in on
delays of more than two-four hours.
(iv) If leaving an EU airport, or returning to an EU airport on an
EU airline. Sterling figures based on the mid–September 2016
exchange rate of €1.17 to £1. Rounded to the nearest £10.
Get in Touch @ www.impospublication.com
15

Holiday Sickness Claims
Have you sufered from food
poisoning or sickness while abroad?
Claim with Confidence
Holidays are an important time for all of
us. They are a time to relax and recharge
the batteries. Whilst visiting another
country, we have a right to expect the
hotels that we stay in to maintain the
Speak to a friendly holiday claims
legal advisors today or read our
guide below and find out if you're
legally entitled!!!...
highest standards of health and safety.
Sadly, this is not always the case and
illness can oten result. An illness arising
out of a stay in a hotel
will not only ruin your
holiday, but can also
result in serious long
term
health
problems.
If you were taken ill
on a package holiday
due to food poisoning
or were sick because
the swimming pool at
your hotel was filthy
you can claim
compensation.
16

Claim
for?
Slips & Trips
Slips and trips around the
swimming pool are another common
cause of injury and again. If you or a
member of your party has been injured as
the result of an accident in/around your
hotel, they could be eligible for
compensation if the hotel , the tour
operator is responsible.
Food Poisoning
Outbreaks of food poisoning or norovirus in
hotels or resorts or on cruise ships can oten afect
hundreds or thousands of people during their
holiday. This is particularly true on board cruise ships
or at all inclusive hotels and package holidays where
guests are eating at bufet-style restaurants.
Stomach upsets in resorts in countries such as
Egypt or Dominican Republic can lead to
compensation payments from the tour
Bedbugs
operator or hotel.
Bedbugs are one-holiday souvenir
you definitely don't want to
take home with you. If you book a
package holiday and unlucky
enough to stay with bedbugs,
you can claim for compensation.
17

There are a number of diferent regulations which may help you
when making a claim, depending on the particular nature of your
accident or illness.
If you book a package holiday through a UK tour operator, most of
the major parts of your trip will be covered by The Package Travel,
Package Holidays and Package Tours Regulations 1992.
These regulations say that the tour operator is responsible
for all the diferent parts of your package holiday. This
means that your transport, accommodation, and food
whilst on holiday are all covered by British legislation.
To make a claim under the Package Holidays Regulations 1992, you
have to be able to prove the tour operator showed a lack of
reasonable care and skill in the supply of your holiday. The
regulations say the expected standard of skill and care will be
considered in relation to the reasonable standards in the country
where the accident happened.
These regulations ensures successful claims for clients who have had
complaints about food poisoning and bedbugs whilst on holiday.
For personal injuries sustained whilst in a carriage by sea, for
example on board a ferry, you can make a claim under The Athens
Convention 1974. If however you sustain an injury from an
accident whilst travelling by air, you will need
to claim under The Montréal Convention
1999.
18

How long it takes to settle your
travel claim will depend on the
individual circumstances of
your case.
It is important to note that
when making a claim for an
illness or injury that happened
outside of the UK, we have to
give the other side six months
to investigate and respond to
the question of liability.
In a straightforward case
where the other side admits
they were at fault, around 12
months is the typical amount
of time it takes to settle these
types of case.
There are so many company
willing to help you out with
this too. All you need to do is
find the right people. Most
companies provide a no win
no fee service, also known as
a Conditional Fee Agreement
(CFA)
How long will
it take to
make my
holiday
compensation
claim?
19

How much
compensation you can
expect to receive for
your pain and sufering
depends on the severity
of your illness.?
The Judicial College Guidelines are referred to by the courts and provide
an indication of the lump sum a person can expect to be awarded for
their illness. In 2011 the Guidelines for food poisoning which apply to
foreign holiday illness compensation claims are:
• £31,075 to £42,460 – food poisoning which has a significant efect on
the individual's domestic and social life and impacts on their work. This
is the most severe type of food poisoning and the individual will have
required hospital admittance for a lengthy period of time.
• £7,700 to £15,510 – food poisoning, such as salmonellosis, which
largely resolves ater four weeks but leaves some symptoms lasting
typically a few years.
• £3,190 to £7,700 – a complete recovery from food poisoning within
two years. The individual is likely to have been admitted to hospital for
a couple of days and will have sufered symptoms including painful
stomach cramps, significant changes to bowel habits and lethargy.
• £737 to £3,190 – the individual may have sufered from severe
stomach cramps and profuse diarrhea for a number of days but will
have made a full recovery within four to six weeks.
ent to over £1,000.
Get in Touch @ www.impospublication.com
20

Spending Too
Much On Your
Utility Bills?
Don't get caught out by
rising energy prices
Energy companies are having
to pay more and more for the
gas they sell on to us because
trade gas prices are rising.
onto us, and our energy.
Bills get more expensive.
Now is the perfect time to
switch to a better deal, so you
don't get caught out.
Some households could save
as much as £670 a year*, just
by switching to a better
energy deal.
It's only a matter of time before
they pass these rising costs
21

Switching is the quickest
and easiest way to save on
energy bills
Ater a series of years in which
energy bills have been cut or
remained frozen, costs are tipped to
rise this winter. Some small
suppliers have already raised prices
and the big guns are expected to
push through some hikes too. The
good news is that those who switch
are still likely to be able to save
money, and choose better customer
service or green energy.
Too many customers are sat on
standard variable tarifs wasting a
collective £1.7billion a year,
according to a recent report from
the Competition and Markets
Authority.
Meanwhile falling wholesale prices
are finally filtering through and
smaller energy suppliers are
rocking the market, forcing
increasingly competitive deals.
This means there has never been a
better time to switch to a new
provider and save money on fuel
bills. Those stuck on expensive
legacy deals could stand to save as
much as £300 a year.
Switch
&
Save
The CMA says
switching tarif
is a
well-established
way to secure
big savings:
"There are
already plenty
of competitive
deals out there.
What we need
to do is persuade
customers to
take them up."
22

Stephen Murray,
MoneySuperMarket's
energy expert, said:
"While we wait for the
measures to be
determined and
implemented, it is worth
restating that savings
running into hundreds of
pounds a year are
available NOW to those
who switch from a
standard rate to a
competitive fixed rate
tarif."
It says they
should be able to
negotiate exclusive
deals with suppliers
and contact customers
with special ofers. The
CMA also wants a
broader spread of ofers
on the market to increase
choice and lexibility. Its
provisional decision on
remedies for the energy
market are open for the
response, with a further
report due in the summer.
23

£
£
£
£
Why should I
compare energy
prices?
Comparing energy prices let you
find the gas and electricity tarifs
that could save you big money
of your bills. Customers could
save up to £670* by changing
their provider. Running a price
comparison, on a site such as
MoneySuperMarket, is quick and
easy.
And you won't get a cheaper
price by going directly to the
provider.
Get in Touch @ www.impospublication.com
Here's what you need to
do to switch:
1. Search on the Internet for
Energy Compare in UK.
2. You will find a lot of websites
ofering energy comparison.
3. There is no harm in trying
out the various services.
4. Enter your details, post code
and current supplier and select
a tarif from the results and
your switching process has
started.
24

Uk's best Broadband
Deals: POP Telecom
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Browse at twice the speed at half the rate
Get best ofers and rates!!
POP Telecom have been trading for over 20 years
and have a well established & experienced team to
ensure the service you receive is second to none!
We are one of the fastest growing
telecommunication companies in the UK today,
25

POP Telecom have been trading for over 20 years
and with have an a ethos well established of Simply & experienced team to
ensure Communicating the service you by receive is Speak second to to Us none!
We Communicating are one of the fastest Simply. growing
telecommunication Our aim is to make companies the Our in the customer UK today,
journey of joining and
benefiting from our
LAND LINE,
BROADBAND &
MOBILE owned
networks simple and
clear.
We pride ourselves on
delivering, Market
Leading Consumer and
Business tarifs backed
up by our UK Customer
Service staf, trained to
the highest standard,
and committed to
making sure your
experience with POP
Telecom will not be
beaten.
service team are
always on hand
to answer your
calls or questions
and ofer any
support and
advice required.
We are
committed to
making your
experience with
POP Telecom
unique with old
fashioned values.
Call one of our
team today on
0800 990 3099
26

Our Network
We ofer a strong, reliable home, business and
Broadband network covering 94% of the UK
Population, simply the largest fixed line & Broadband
network in the UK. Our Mobile network covers E.E &
VODAFONE ofering lexible business contracts and
aggressive Consumer deals covering 98% of the UK
Population.
Our network Includes
• 2,600+ unbundled broadband exchanges.
• 2,198 EFM exchanges
• 1,943 on net Fibre exchanges
• over 5,000 exchanges capable of taking Fibre
• 1,100 Superfast Broadband exchanges
• 30,000 cabinets ready for Superfast Broadband
Get in Touch @ www.impospublication.com
27

Road Trafic
Accident Claims
TAXI
FREEPIK
Road trafic accident claims
can be made depending on the
type of accident that has
happened. Such claims are put
in place to protect car drivers,
pedestrians, passengers,
cyclists and bikers, and road
trafic accident claims can be
made for both direct and
personal injuries such as;
Whiplash injury, Airbag
injury, Seat belt injury, Child
restraints injury.
A road accident can occur
because of numerous reasons.
No matter what the reasons
are, however, you must be able
to prove that the person you
are making the claim against
was in the wrong. Most car
accidents occur mainly
because of;
• Negligence – this can range from mobile phone
use, eating or drinking, changing music in the car,
to alcohol or drug consumption while driving.
• Weather conditions – Road accidents can occur
in many instances due to perverse weather
conditions such as snow, rainy weather and icy
roads.
• Recklessness – driving with no concern for trafic
signs is another major cause of road accidents.
Speeding too can be termed as recklessness and
distractions in or outside of the car can also lead to
road mishaps.
• Poor road maintenance – poor roads are another
leading cause of road accidents. Construction,
poor road signs and potholes are examples of poor
road maintenance.
• Car malfunction – cars will in most cases have a
system failure system where one of the devices
may have stopped functioning. Common
equipment that may fail in the car include the
brakes, poor road tyre traction and steering wheel
malfunction.
28

MAKING A ROAD
TRAFFIC ACCIDENT CLAIM
As with all personal injury compensation claims, you would
need to prove that another person was responsible for your
personal injury (in this case the driver of the vehicle you were
travelling in or the third party driver).
To help your case, you should take names, addresses and telephone
numbers of any witnesses to the accident and take photographs
of the accident locus if possible. If the third party driver has no
valid insurance, leaves the scene or admits to driving a stolen
vehicle, you should contact the Police immediately and
report the incident. If you are intending to claim
expenses such as prescription costs and
travelling expenses, remember to keep
receipts as evidence.
Here in the UK, it is advisable to seek legal representation to
help you through the claim. Since most people usually
have car insurance, the claim should not be difficult to complete.
Before taking up the legal service option, ensure you understand
how much the process may cost.
How Much Can I Get?
Compensation for each claim varies.Personal injuries can range from
anything under a £1,000 to over £200,000 depending on the severity of the
injury. Whiplash injury compensation can vary between less than £800 to
£5,000 or over while airbag injury compensation can start from £2,500.
Get in Touch @ www.impospublication.com
29

Pension
Reviews
A Profile Financial pension review will ensure you're getting
the very best return on the investment you've made
Pension reviews have a terrible reputation right now. You may have been
bombarded by dozens of cold-callers ofering a free pension review. And
you're right to be sceptical. Many people have been mis-sold pensions via this
tactic. So many, that the Financial Conduct Authority (FCA) is reviewing how
to apply for compensation if you think you did receive bad advice.
But, ironically, this has increased the need for pension reviews. More people
than ever before are in need of legitimate, independent pension guidance. So
how can you ensure you're getting the best advice?
There's Pension Wise which is a UK government-backed service to talk people
through their pension options. So you can trust you're getting impartial
guidance from them.
How Do I Get Started?
Pension plans like all others have so many companies that can
guide you step-by-step. Just go online and get started.
Get in Touch @ www.impospublication.com
30

LIFE INSURANCE
Life insurance is one of the most
selless things you'll ever buy. It's
about making sure that the people
you love the most are well looked ater
should the worst happen.
Who's Covered?
57%
Taking out life insurance could ensure
that your family keep the home
they've grown up in, or that your
children go to university, even if you're
not around to help with the expense.
The peace of mind it provides means
you can get on and enjoy life without
worrying, and it doesn't have to break
the bank. Life insurance can cost as
little as £18.29 a month.
of women
have some
sort of life
insurance
coverage
$147,800
average
amount of
insurance
coverage
on
married
women
61%
of men
have some
sort of life
insurance
coverage
$235,600
average
amount of
insurance
coverage
on
married
men
You can compare life insurance
quotes online or you can speak to
an expert.
31

Types of term
insurance
Level-Term insurance pays out a
fixed lump sum if you die during the
policy term. This lump sum doesn't
change over time, so you know
exactly what any dependents will be
let with in the event that you die.
What type of life
insurance policy
should I buy? Most
people have two main
protection needs that
can be covered by life
insurance (oten
known as life
assurance):
• Paying of large
debts such as your
mortgage
• Family protection,
where you leave
behind money for
your family to live on
ater you've died.
Types of term
insurance
Get in Touch @ www.impospublication.com
Increasing term insurance This
type of life insurance policy is
designed to combat the erosion of our
money's purchasing power each year
due to inlation, so that the sum
insured maintains its real value
throughout the term. The sum
insured either increases by a fixed
amount each year, or rises in line with
the Retail Prices Index (RPI) measure
of inlation.
Decreasing cover insurance If
you are looking for life insurance to
cover a debt that will gradually
reduce over time, such as a repayment
mortgage, then decreasing term
insurance is worth considering. With
this kind of cover, any pay-out also
reduces over time, which means the
premiums are lower than for level
term insurance.
32

IN SERIOUS DEBT
GET A DEBT MANAGEMENT PLAN!
A Debt Management Plan is
an agreement between you
and your creditors to pay all
of your debts.
Debt management plans are
usually used when either:
1. You can only aford to pay
creditors a small amount
each month
2. You have debt problems
but will be able to make
repayments in a few months
3. You can arrange a plan with
your creditors yourself or through
a licensed debt management
company for a fee. If you arrange
this with a company
4. You make regular payments to
the company
5. The company shares the money
out between your creditors
33

ADVANTAGES
1. Swit to implement You will normally be able to get a DMP
up and running very quickly. You can start making reduced
payments straight away without waiting for the agreement of
your creditors. This will allow you to get back in control of your
finances immediately.
2. Afordable Repayments Your monthly repayments are
reduced to afordable amounts which fit within your disposable
income.
3. Flexibility A DMP is an extremely lexible debt management
solution. If during the plan you need to increase or decrease the
amount you pay you can do this at any time.
4. Home equity does not have to be touched Once you start a
DMP you will be under no legal obligation to try and
remortgage your property and release equity to help repay your
debts.
34

DISADVANTAGES
1. No debt is written of
If you start a DMP your creditors will not automatically agree to
write of any of the debt you owe.
2. No Guarantee that Interest will be frozen
Your creditors are not under any legal obligation to agree to your
proposed DMP payments. They cannot refuse to accept the
payments you make but they can refuse to suspend interest or
late payment charges.
3. No legal protection from your creditors The Plan is an
informal agreement. This means that the plan does not ofer you
any legal protection from your creditors.
4. Negative efect on your
credit rating
Once you start a DMP
your credit rating will
be negatively
afected.
35

HOW DO I GET STARTED?
It's very simple. Give us a Call at 02036349672 or
visit: imposdebt.com
Our highly Qualified Advisor will give you a call and sort
everything out for you
Get in Touch
@ www.impospublication.com
36

GETTING RID OF YOUR
DEBTS GOT EVEN EASIER
Don't think a Debt
Management Plan is for
you?
Enter an INDIVIDUAL
VOLUNTARY
ARRANGEMENT!
An Individual Voluntary
Arrangement (IVA) is an
agreement with your
creditors to pay all or part of your
debts. You agree to make regular
payments to an insolvency
practitioner, who will divide this
money between your creditors.
An Individual Voluntary
Arrangement (IVA) normally last 5
years (in some cases 6 years) ater
which all Your Remaining debts
are written of.
An IVA can give you more control
of your assets than bankruptcy.
37

What are the advantages of an IVA?
$ $ $
$
1. Afordable - An IVA involves the debtor repaying
an afordable monthly repayment, based on what
they can reasonable pay ater essential expenses
are taken into account.
2. Stability - As the repayments made are
calculated ater essential expenses are accounted
for, there is no danger of not being able to pay the
essential bills or buy food for the week. Unless
there is a significant change in financial
circumstances, the repayments should always
remain the same.
3. Less Stress - As the IVA is a legally binding
agreement, once it has begun, creditors can no
longer chase the debtor for outstanding money
(provided the repayments are being kept.)This
means there will be no more phone calls or visits
from debt collectors.
4. Financial freedom - by being able to budget for
the IVA, it allows greater financial control, as well
as complete debt freedom once the IVA is
successfully completed.
5. Security - One of the key benefits of an IVA,
unlike bankruptcy, is that the individual should not
have to sell their home. This is because any
mortgage repayments are included in the essential
expenditure calculations.
38

What are the disadvantages
of an IVA?
Restricted Banking Facilities.
Due to the IVA, you will not be allowed
to have a bank account with an
overdrat, a credit card or Cheque book.
Duration of the IVA
Unlike Bankruptcy, which usually lasts
for only 12 months, an IVA oten lasts
for 5-6 years, although any outstanding
debt ater this time will usually be
cleared.
Re-mortgage
While an individual in an IVA will
generally not be required to sell their
home, they may be expected to
re-mortgage in order to release equity.
This would normally be expected to
occur within the last year of the IVA
arrangement.
Credit record
As with Bankruptcy, an IVA will be
recorded on an individual's credit
record for a period of 6 years. This is
from the start of the IVA, so even if the
IVA only lasts for 5 years, there will still
be a period where the IVA could afect
the ability to get further credit.
Get in Touch
@ www.impospublication.com
39

HOW DO I START AN
INDIVIDUAL VOLUNTARY
ARRANGEMENT(IVA)?
Want to start an IVA and take
care of your debts? Our
advisors will be more than
Happy to guide you through
it.
Give us a call:
02036349672
or Visit us at
imposdebt.com
& we will get back to you.
We provide the best Services
for free.
40

Live in Scotland?
A Trust Deed could be the best
debt solution for you!!!
PROTECTED TRUST DEED
KNOW ABOUT PTD...
A Protected Trust Deed is a formal, Government
backed arrangement, available to residents of
Scotland, that is legally binding on all of your
unsecured creditors. In return for paying what
you can reasonably aford each month (ater
living costs and priority expenditure have been
accounted for), for 4 years (typically), you will be
discharged from any outstanding liabilities
included in the arrangement on completion.
41

ADVANTAGES
A large proportion of your
unsecured debts is written of
ater 4 years.
Once accepted all interest is frozen
on all debts within the PTD.
Lower monthly payments based on
sustainability and afordability.
A Trust Deed can stop pending
legal actions if Protected.
A legal binding contract between
you and your unsecured creditors.
Any change in your circumstances
can be catered for in an
amendment or variation if
acceptable to creditors.
As long as you keep to what you
have agreed, your creditors are not
allowed to take further action
against you.
DISADVANTAGES
You may be required to release
any equity in your share of your
home.
Failure to comply with the terms
of a PTD can lead to bankruptcy.
Listed on the Insolvency Register
of Scotland.
Can the impact of career
prospects or current position, e.g.
Policemen, Financial Advisors.
It is likely that credit reference
agencies will record details of
your trust deed on your credit file.
May limit future credit
arrangements or have an impact
on their costs.
Details published in the Register
of Insolvencies.
42

Want to know
if a Protected Trust Deed is suitable for you?
Give us a call : 02036349672
Or visit us at imposdebt.com
Our Advisors will guide you through each and every
step towards your financial stability.
We do
all the
work
No
upfront
fees
Get in Touch @ www.impospublication.com

Marriage tax allowance: Get
a tax break worth up to £835
Are you married or in a civil
partnership? If so you may be
entitled to a tax break
called the marriage tax
allowance. Yet 3.2 million of
the 4.2 million eligible
couples are still missing out.
It's free money, so worth
checking.
Married Couple's Allowance could reduce your tax bill by
between £322 and £835.50 a year. You can claim Married
Couple's Allowance if all the following apply:
• You're married or in a civil partnership
• You're living with your spouse or civil partner
• One of you was born before 6 April 1935
For marriages before 5 December 2005, the husband's income is
used to work out Married Couple's Allowance. For marriage and
civil partnerships ater this date, it's the income of the highest
earner. Married Couple's Allowance could reduce your tax bill
each year if you're married or in a civil partnership.
For the 2015 to 2016 tax year, it could cut your tax bill by between
£322 and £835.50 a year.
44

So, in a nutshell, one of you
must be a non-taxpayer and
one of you must be a basic-rate
taxpayer.
Sounds promising – so how
does the maths work? The
partner who has an unused
amount of personal allowance
can transfer £1,100 of their
allowance to the other (so
basically 10% of the full
allowance). It doesn't matter if
they have £5,000 of their
allowance let unused or £500;
they can only transfer £1,100.
OK, so how do we actually
apply? It really is very
simple, and only takes a
few minutes; just use the
application at HM
Revenue & Customs
(HMRC). To do it you'll
need both your National
Insurance numbers and
one of a range of diferent
acceptable forms of ID for
the non-taxpayer.
Get in Touch
@ www.impospublication.com
Quick! talk to citizens
advice to get a quick check of
how much tax allowance
you are allotted.
45

CANT GET A
LOAN
BECAUSE OF
YOUR CREDIT
SCORE?
Bad Credit Loans
Poor Credit Score
Broker
Bad Credit Loans –
what's it all about?
If you have been refused
loans by high street
banks and other lenders
you may believe that
your financial situation
is impossible. But don't
panic - financial help is
at hand.
When looking for a loan,
and doing a market
research, you can
sometimes see lenders
boasting that they are
willing to ofer “Bad
Non reliable
Credit Loans”or “Poor Credit
Loans”. The question here is,
what exactly does this mean?
Does it mean that they give a
loan to anyone who asks for
one, without any restrictions?
Does it mean that they are
willing to give payday loans
with no credit check?
Most likely, it isn't. Anylender
46

who lends money, wants to do so only to people he thinks
will have the capability to repay. If so, and if loans are not
given to anyone without restrictions, we are let
wondering: What does it all really mean?
While most of these loan companies does perform
comprehensive credit checks on all loan applicants, their
major focus is on afordability. These companies prioritize
your ability to pay them without putting themselves and
your family under an even bigger financial burden, come
payment time.
How do I get a
loan?
Make sure you get a choose a
non chargable, FCA regulated
lender or introducer .
Get in Touch
@ www.impospublication.com
47

PRE-PAID FUNERAL PLANS
Plan ahead to spare financial
burden on you and your loved ones
A pre-paid funeral plan
lets you pay for and
arrange your funeral
in advance. It's an easy
way to get your
funeral arranged
whilst protecting your
loved ones from rising
costs and uncertainty
about your final
wishes.
Funeral costs in the UK
are rising every year.
While the average cost
of a funeral in 2004
was £1,920, today it's
£3,897. That's an
increase of 103% - well
above inlation. At this
rate, in another 10
years, the average cost
of a funeral could be
more than £7,000
48

Features of Pre-paid funeral plans
1. Choice of 4 plans to suit your needs.
2. Provider options include Golden Charter, the
UK's largest provider of Funeral Plans.
3. Choose from insurance or savings based
plans.
4. We do not charge you a fee for arranging the
cover.
5. Quick and easy application process.
49

Benefits of Pre-paid funeral plans
1. An easy way arrange your funeral whilst
protecting your loved ones from rising costs and
uncertainity about your final wishes.
2. Option to choose as much or as little as you
like, from family limousines to music.
3. Choice of plans to suit your needs and budget.
4. Pay upfront or spread the payments over your
chosen term.
How do i get the perfect funeral plan?
Finding a pre-paid funeral plan isn't exactly
fun nor is it easy but we think we should be
simple. Our easy to use service can save our
time and find you the best deal for your
budget.
Get in Touch @ www.impospublication.com
50

Get Tons of Free
Stufs Everyday!
We have created the
largest database of
freebie ofers in the UK.
There are over 600
genuine freebie ofers
listed on our website.
We add 5-6 new freebies
every day.
There are 1000's of
companies in the UK
giving away FREE
samples of their products on the
internet. It's a marketing strategy
to get exposure and attract interest.
We found that 60% of people who
try a product are more likely to
purchase the same product in the
future.
Here is a selection of companies
who have worked with us in the
past. L'Oreal, Garnier, Dove, Nivea,
Colgate, Pampers, Huggies, Gucci,
Lacoste, Rimmel, Nestle, Kelloggs,
Gillette, Wilkinson, Tesco,
Sainsbury, Asda and more!
51

Getting Started Guide
1) Browse through our website to find some freebies that
you like. Now click the ‘Get Freebie’ button.
2) You'll be redirected to the companies website. All you do
is fill in your name and address to apply for the freebie.
3) Sit back and wait for the freebie to arrive through the
door. Delivery can take up to 28 days.
Please be patient! Sometimes these companies can get
thousands of requests in a few weeks.
These companies give out loads of free stuf. Everything
from free baby stuf to free makeup samples. We have so
many ofers listed on our website that we believe there's
something for everyone.
Get in Touch @ www.impospublication.com
52

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Happy by being your
finance Stressbusters.
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& Stay subscribed.
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