Apply For An IVA

What is an Individual Voluntary Arrangement? Why Should I Apply?

What is an Individual Voluntary Arrangement?

An Individual Voluntary Arrangement (IVA) is a formal debt solution that allows people to pay back a portion of their unsecured debts over time, and write off any that they can’t afford. This can help people with serious debt problems to regain control of their finances and get their lives back on track.

IVAs are available in England, Northern Ireland and Wales. They can be set up as monthly instalments or a lump sum. You must qualify to make an IVA.

How an Individual Voluntary Arrangement works

An IVA is an agreement between you and your creditors to repay a portion of your debts. It’s a legally binding deal that needs to be agreed by at least 75% of your creditors.

It’s a formal process that usually lasts for around five years (depending on the length of the IVA). You can release equity from your property as part of your IVA, and it can also include one-off settlements.

If you’ve got mortgage or rent arrears, it’s important to check with a free debt adviser about whether your creditors will agree to this in your IVA. They may not, so you could end up paying more than you can afford.

Your credit score is likely to be affected by an IVA. It will be on your credit report for six years, but once it’s marked ‘completed’ your score will start to improve.

We can help you find the right debt solution for your situation. Book your free initial consultation today!

Apply for an IVA Today

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Seven approaches to help keep your business protectedSeven approaches to help keep your business protected

Our Security & Alarm specialist offers some suggestions on Company Security: Helping keep your premises safe and secure is one of the greatest concerns of all enterprise owners. Burglary is one of the most common crimes to influence a company and the effect can be far reaching. Get in touch with -

Here`s just how you can update your Business Security to keep things secure this year.

Inspect your locks

This may seem like an obvious point, but you `d be shocked how many people overlook even the most basic of safety and security procedures. Locks are one of the most basic safety measures, they should never be disregarded. Make sure that all locks on your facilities work thoroughly.

Keep an eye on your lighting

Clever use of lighting is one more great way to deter possible intruders. Think of investing in security lights to go along with you new alarm system or set your lights on random timers to give the perception that workers are working late.

Carry out frequent checks

Even the best hardware in the world is no use if it doesn`t operate correctly. Modern technology is not foolproof, so it`s vital that you inspect your security systems frequently to make sure everything is in working order. Talk to us about this -

Alarms

Warning devices can act as a powerful discouraging factor to potential thieves as they don`t want to be caught out triggering an alarm system. For this reason, investing in an up-to-date alarm system is one of the key steps to strengthening your security.

Upgrade your CCTV

CCTV has come a long way from where it first started. No longer are images grainy and vague, cameras will offer you a crystal-clear sight of your company buildings, ensuring that any intruders are easily identifiable. If you haven`t done so in a while, updating your CCTV systems are one of the key things to do to ensure your companies` safety.

Utilize access control

Access control units give you comprehensive control over who can and can`t go into your property. While keys can be reproduced, and locks can break, access control is much more contemporary approach to make sure your business building is fully safe and secure.

Get advice from the service providers

If you`re unsure about the best safety and security options for your organization, why not get in touch with an expert? At - we know a thing or two about alarm systems and CCTV, and we`re always happy to advise on Enterprise Safety and security so you can take the best course of action.

The Best Way To Rent Office SpaceThe Best Way To Rent Office Space

Many organisations may need to look for commercial office space for rent sooner or later. There is an alternative solution to searching through endless classifieds in order to unearth commercial real estate for lease or commercial office space for lease in your area.

How To Rent Commercial Offices It’s important to understand the market you’re in and the actions needed to make certain you find the right office space for rent,prevent mistakes,and negotiate the best deal possible as the procedure for finding area & discussing an industrial lease can be a lengthy and complex process.

#1 Consider Acquiring Assistance From A tenant agent. Renting or buying commercial property is completely various from your typical real-estate experience buying a home. Hopefully,you will not need to rent office area frequently,the same with lease renewals. But when you do need to,a great idea is to consider the expertise of your very own commercial broker; a qualified office renter associate. These are commercial brokers who specialize in standing for tenants,not landlords. They’re adept at relationship building and must understand how to integrate the needs of tenants,landlords,and leasing brokers into agreed-upon offers. Property manager reps must have a thorough knowledge of renter demographics,occupancy prices,leasing prices,and business trends. A great renter associate may also be able to create the leverage needed at the start of the process to enhance your situation throughout the negotiation phase.

#2 Determine Your Requirements It is advisable to fully understand your company’s current and long term needs. Keep in mind most rentals are three to five years long so it’s important that you do your best to organize and budget accordingly. In this assessment determine the perfect timeline,location,growth needs,size,and budget.

#3 Seek out Space In case you are like most businesses,you likely don’t search often,making the process all of the more difficult. The rise of online commercial property tools has resulted in a dramatic change in the way in which businesses search for area. Try using an online search tool which has a helpful user-interface which includes detailed listings to find your area for small business office spaces for rental and for lease. Search for a search functionality that may filter by property types such as office,industrial,retail,among others. As our everyday life move more and more online,the appeal of commercial property search tools like will continue to draw tenants to look into commercial real estate online. However,no online search tool can compare to the deep market knowledge,relationships and experience that A tenant agent can offer. They’ll help businesses like yours in the search,selection,negotiation,and occupancy of commercial offices,warehouse area,and retail area for lease.

#4 Send Out Proposals To Property Owners Even before you get to the lease signing stage,your efforts to lease commercial area may normally start with a lease offer. Many real estate transactions require a written offer as a precursor to execution of a contract. If you’re thinking of a leasing an industrial building and would like to uncover what the landlord will and will not agree to do before a lease agreement is drafted and authorized,create a offer that deals with the key problems. In a multi-tenant building,make sure that you understand who pays for taxes,insurance coverage and typical area expenditures,and that the offer showcases your intentions. If you opt to engage a tenant agent they will put together the Property manager Proposal for you,otherwise you will need to cover this yourself.

#5 Analyze The Proposals The best real estate proposals have one typical characteristic – they’re deeply customized to match you,the customer whose business they would like to win. Property owners will discuss bargain conditions and then put together lease proposals for potential tenants with the tenants immediately or their brokers or reps if hired. If you take on a tenant agent they will help put together an analysis of the landlord proposals that you receive back. The objective is to accomplish a assessment of the various lease terms and you will need to layout this analysis in a method which makes them easy to compare. You will need to work together with your tenant agent if you hired one,along with your legal counsel to discuss and optimize business and legal terms and put together proposals and counter-proposals. Be prepared for some effort at this stage as the lease will likely be a lengthy one and not easily changed when originally arranged.

#6 Discuss The Deal Prospective tenants often miscalculate the length of time it will take to find a suited location and discuss a lease. The more ideal tenant you are,the simpler it will be to discuss rent and other main reasons of the lease. Although brokers or tenant’s reps are beneficial,a wise tenant will engage a lawyer to review the lease extensively and discuss to enhance the lease for the tenant’s benefit.

#7 Build Out & Transfer After agreeing and putting your signature on your property lease contract you need to put together everything for your business to move in and start working. If you find yourself in a new location that you are not acquainted with,you might well find that your tenant’s rep can come in useful here too. They’re going to have local knowledge that you can tap into when it comes to local registration and business regulations,employing local building contractors and getting all the services that you will require connected.

3 Home Remedies for Silver Jewellery Tarnish3 Home Remedies for Silver Jewellery Tarnish

No matter how well you take care of your silver jewelries, they will still tarnish naturally over time. Tarnishing is caused by the chemical reaction between silver and sulphur in the air. However, there are still a lot of methods that you could consistently do to prevent them from tarnishing quickly. Thankfully, you can even do it using items you already have at home. Here are some easy techniques you can follow to clean your silver jewelries:

  1. Lemon and salt

To do this method, you will need to squeeze lemon juice into a bowl with water and three tablespoons of salt. Then, place the tarnished silver jewellery into the concoction for around five to ten minutes. Once done, remove and rub the jewellery using a white silver cleaning cloth to easily remove the tarnish.

  1. Ketchup

You might get weirded out for seeing ketchup as one of the items you could use to clean your jewellery. However, it is certainly effective in removing tarnish. To do this, squeeze a small amount of ketchup onto a paper towel or soft cloth and gently rub the tarnished parts of the jewellery. For better results, you can leave the ketchup over the tarnished areas for 15 to 20 minutes before rubbing them off. You can likewise use toothbrush to really reach the tarnished areas.

  1. Laundry detergent

Laundry detergent is an old but still an effective remedy to remove tarnish. You just need to pour one small cup of detergent soap into a bowl of hot water and let your silver jewelries, such as your ring, necklace or even your daily wear silver anklets, for five to ten minutes. After this, make sure to rub the tarnished areas using a white cleaning cloth, and dry them out before storing again. Not only will this make your silver jewellery shiny again, but it will also leave them smelling great, too.

Try these tips and other creative ways to make your silver jewellery last!

For more information, visit: silver ring designs for female