CLC Services assists clients in managing unsecured credit and non-priority debts by negotiating affordable repayment plans on their behalf, allowing them to maintain priority debt payments like rent or utilities. The service provides personalized financial assessments, continuous support, and progress updates, while clients can choose to leave the program without incurring charges. While joining the program doesn't directly affect credit ratings, existing financial difficulties could have already impacted them.

2. Debt Management
Will
you
deal
with
all of
my
debts
Will I
end up
paying
for
longer
Why
can’t I
negotiat
e with
creditor
s myself
What
do I
pay my
manag
ement
fee for
Can I be
sure my
creditor
s will
accept
the
arrange
ment

3. Will CLC Services deal with all of my debts
CLC Services will deal with all of your unsecured credit and non-priority
debts. This includes personal Loans, credit cards, overdrafts, catalogue debts,
etc.
Other types of debts must be given priority because of the serious
consequences of not maintaining regular payments. You must continue to make
these payments yourself. Examples include your rent or mortgage, any loan
secured against your property, hire purchase agreements, council tax and
utilities such as gas, electricity and water.
When CLC Services assess your financial situation, CLC Services make
suitable allowances for you to be able to afford your priority debts and your
day to day living costs before CLC Services calculate how much you can
afford to pay towards your other creditors.

4. Will I end up paying for longer
Because CLC Services negotiate lower monthly repayments on your behalf, your
debt will take longer to repay, however the repayments will be affordable.
Your program me is only offered to clients who, because of their financial
circumstances, cannot afford to make the minimum payments required by their
creditors each month. CLC services allows you to make an affordable payment,
every month, towards reducing each of your debts - instead of continuing to
struggle, having to miss payments and incurring additional charges
The program me is focused on you and your ability to pay, and if your
circumstances change, then CLC Services can revise your program me accordingly.

5. Why can’t I negotiate with creditors myself
You can. CLC Services is here as an alternative because many people don’t
feel equipped to negotiate for themselves, or they’re too busy, stressed,
emotional or depressed to deal with creditors. Sometimes the relationship
with your creditors may have broken down, or you are simply unable to
meet your creditors’ demands. That’s where CLC Services can step in on
your behalf.

6. What do I pay my management fee for
CLC Services offers a dedicated service designed to suit your individual needs. Using
our free phone telephone line will put you in touch with a fully trained Initial who will
make a detailed assessment of your financial situation and offer the most appropriate
debt management. solution for you.
CLC Services Creditor Liaison Department works very closely with the credit
industry, using their skill and experience to negotiate suitable repayment arrangements
on your behalf. The day-to-day management of your account will be dealt with by
your own personal finance Manager (PFM) who will also be on hand to answer any
queries or concerns you might. have.
CLC Services will keep you up to date with our progress through regular
correspondence and detailed monthly payment statements. Through out your Debt
Management Program me CLC Services will carry out regular reviews of your
finances and negotiate new arrangements with your creditors whenever your situation
changes. Above all, you’ll have the peace of mind that comes with knowing that your
finances are being managed professionally and your creditors are being repaid
regularly at an amount that is affordable to you.

7. Can I be sure my creditors will accept the arrangement
CLC Services were in daily contact with creditors and have built up
excellent working relationships with them. Many years of experience
has shown that, although your creditors are not obliged to freeze interest
or accept reduced payment arrangements, most creditors welcome a
reasonable payment proposal that’s agreeable to both parties.

8. Can belonging to a debt management program
me damage my credit history
Joining CLC Services Debt Management Program me won’t directly
affect your credit rating. However, if you are experiencing financial
difficulty your credit rating may have already been affected.
Any of your creditors may issue a default notice to register the fact that
your original agreement with them has not been maintained, and the
credit reference agencies provide information about your financial
history to other potential lenders.

9. If I want to leave the program me will I be charged
No. There is no charge for leaving our Debt Management Program me,
but CLC Services do ask for two weeks’ written notice. This gives us
time to inform your creditors and ensure a smooth transition back to
you. Your initial payment covers the cost of setting up our Debt
Management Program me.