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Mike Thomas has become well known as 'the DebtWizard', over the past 15 years helping many individuals to overcome their debt problems, he is the founder and head of debtwizard.com
Click here and find out more about Mike Thomas' past and present
Social lending allows normal, everyday people to lend and borrow to each other in an eBay style auction process.
As well as competitive interest rates, people like the idea of helping one another – and cutting out the banks.
Click here to watch "How to borrow without going to your bank"
From Moneywise TV
Click here for our Rapid Response debt help form or call our confidential debt help line on 0845 225 0025
Our 'Rapid Response' form could help us to determine quickly what options are available to you.
It's FREE and easy to use. Just fill out the form and hit submit, it's as simple as that.
We are highly knowledgeable, passionate and determined to help you resolve those debt issues.
We work in the strictest of confidence, here to help not to judge.
Mike regularly appears on TV, radio and online so we thought we would let you watch/listen again to some of the media he has been doing.
You never know, your answer may be in one of these shows - this is excellent free advice, so please take advantage.
5 replies, 119 views
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concerned. created by Dino.
Last reply by Kruger on 02/09/10 at 23:05
I can't afford to go bankrupt created by jojo.
Last reply by Kruger on 02/09/10 at 22:58
5 replies, 127 views
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Statute Barred Debt sold on for second time created by Raymond1.
Last reply by Raymond1 on 02/09/10 at 18:21
2 replies, 52 views
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Full and final payment created by lucyb.
Last reply by Debtwizard on 02/09/10 at 17:23
Please help with SOA, getting confused! created by SeptNewStart.
Last reply by StevenJackson on 02/09/10 at 13:01
Find previous news articles
News
News
Tuesday, 31 August 2010
UK striking debt numbers compiled S... Friday, 27 August 2010 Insolvency Service stops on-line fi... Wednesday, 25 August 2010 Interest-free periods on the rise f... Tuesday, 17 August 2010 How inflation affects your spending... Friday, 13 August 2010 PPI sellers face big compensation d... Blog Blogs
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Debt Help
Featured Debt help
Police officer avoids bankruptcy and keeps his pensionIn this case study Mike shows how a Police officer avoided bankruptcy with credit card and personal loans debts of £84,000; Mike details the facts, advice and outcome. Read more
Expenditure GuideAnyone thinking of proposing either a Debt Management Plan or Individual Voluntary Arrangement (IVA) or even going Bankrupt will find this guide extremely useful. Read more
The Six OptionsHere we detail in very simple terms what your six options are to get out of debt, a very popular section of the website. Read more
Debt Solution ComparisonThis chart illustrates a summary of possible debt solutions, you can easily compare and discover the best one for you to get out of debt. Read more
Individual Voluntary ArrangementEver wondered how the voting works and who pays the fees for an IVA? Is interest frozen and can lenders change their mind? Can you still be made bankrupt? Need to know... Read more
Debt Management CompaniesThere are simply two types of DMC's, firms that will charge you and firms that will charge the creditors instead. Need to know the pros and cons of both? Read more
HarassmentDo you know your rights when being harassed by a lender or debt collection agency? We explain all on how to stop being plagued in our unique template letters. Read more
The Limitation Act 1980 - Old DebtsEver been chased for an unsecured debt that you have not heard about for over 6 years? Do you know how to respond or what sort of letter to write, do you know your rights? Here we help you with simple Q & A’s and a template letter. Read more
Office of Fair Trading (OFT) Debt Collection GuidelinesDebt Collection Agencies (DCAs) and lenders have to adhere to strict guidelines when contacting consumers on debt issues. We detail these guidelines in full as well as those of the Credit Services Association that most lenders and DCAs subscribe to. Read more
Credit ScoringHow to see your file and for free! What to do if the information on it is wrong and how to separate yourself from another household member that may have a bad credit history. Read more
Financial HardshipHere we details what the criteria is for financial hardship rules, we list examples and guidance on how to approach the bank if you are suffering financial difficulty. Read more
Basic Bank AccountsFind out which banks and building societies offer basic bank accounts and what services you can expect to get from them. Read more
Bank Charges Latest UpdatesAll the latest news on bank charges claims including the re-opening of a case against Bank of Scotland that was in court on the 11th June 2010. Read more
Free Budget Wizard!Not working from a budget is one of the biggest causes of people getting into unmanageable debt. The Budget Wizard is unique, with its built in ‘debt predictor’ and it’s free! Read more
DebtWizard Update - 19 August 2010Read Debtwizard's latest updates on debt and consumer issues, its free! Sign up for an account and we send these free everytime they are published. Read this email
Helpful OrganisationsThe DebtWizard list of contact details of organisations that will help you free of charge. Read more |
1 Bank Charges Latest Updates 2 Budget Wizard 3 Unenforceable credit card and loan agreements 4 The Limitation Act 1980 - Old Debts 5 Harassment 6 Contact 7 The Six Options 8 Debt Solution Comparison 9 Who We Are 10 Why Signup?
BBC Radio 5 Live Breakfast 7am - 9am Festive Finances Surgery
Tuesday 29/12/09
Mike was in the 5 Live studio with Andrew Verity offering no nonsense advice on controling your debt issues.
BBC Essex - Dave Monk Show
Monday 08/02/10
Mike covers how to deal with debt collectors chasing you for a debt that you do not owe and gives tips on how to prevent this happening again.
BBC Essex - Dave Monk Show
Friday 26/02/10
Mike explains why he believes the increase in bankruptcy fees, due on April 6th, cannot be justified. Mike also covers what happens to the bankrupt if he/she borrows money with no intention of paying it back.
BBC Three Counties - Jonathan Vernon-Smith - Consumer clinic
Friday 25/06/10 at 10:28
Mike comments on the LloydsTSB decision to cut bank charges for going overdrawn from 2 December 2010. He also explains about the new challenge on bank charges in Scotland concerning Jennifer Sharp and the Bank of Scotland.
BBC Essex - Dave Monk Show 9.10am
Friday 16/07/10 at 07:20
Mike helps one listener deal with a debt collection agency chasing her for a debt over 10 years old.
BBC Radio Wales Phone-in at 12.45pm
Monday 19/07/10
Mike was talking live to Jason Mohammad about whether banks are ripping off consumers with continuing bank charges.
BBC Shropshire - Keith Middletons Extravaganza 10pm
Sunday 25/07/10
Topics covered include Debt Relief Orders (DROs), bankruptcy, fee charging debt management companies v debt charities and how to deal with a debt collection agency chasing a debt over 6 years old, plus lots more.
BBC Tees - Cash Clinic 10.30am
Monday 26/07/10
Mike was commenting on the benefits of paying off your mortgage early as apposed to saving. He also explained a simple and cheap process of how parents can safeguard their money that they give to their children for deposits on homes.
BBC Essex - Steve Scruton 2-4pm
Wednesday 28/07/10
Topics covered include how IVAs can work for consumers detailing how lenders vote and who pays the fees. What to do if suddenly made redundant and cannot pay your debts. Firms that promise to free you of debt and unenforceable credit agreements. Plus lots more!
BBC Essex - Dave Monk Show
Friday 06/08/10
With bankruptcy figures down 20% Mike explains how and why some debt advice firms steer debtors prime for bankruptcy to other arrangements such as IVAs and debt plans. He also staggers Dave Monk when he reveals what the fees are for advising bankruptcy compared to an IVA, which by the way, numbers are up 10%.
BBC West Midlands - Ed Doolan
Monday 16/08/10
Mike was live in the studio with Ed Doolan helping listeners with debt issues.Mike was live in the studio taking helping listeners resolve those debt issues. Topics covered - Debt relief orders, triggers for debt, loan sharks and can consumers sell their debts, plus much more.
BBC Shropshire - Keith Middletons Extravaganza 10pm
Sunday 19/09/10
Mike Thomas aka 'the DebtWizard' will be live on the show with Keith Middleton offering advice on how to manage debt issues.
BBC West Midlands - Ed Doolan
Wednesday 20/10/10
Mike will be live in the studio with Ed Doolan helping listeners deal with debt issues.
We show you how to recover 'Credit Card Charges', 'Payment Protection Insurance' (PPI) & 'Mortgage Exit Admin Fees' (MEAF) and more on 'Financial Hardship'.
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