“Whether through a remortgage or a second charge mortgage, debt consolidation can be a practical and valuable solution for those needing to restructure their finances.”

The ongoing cost-of-living crisis has left many households struggling to manage their finances. Rising food and energy bills continue to squeeze disposable incomes, with over half of respondents in Pepper Money’s latest Specialist Lending Study reporting a decrease in their available funds. As a result, 61% of people said they are concerned about their financial situation, while 78%…

WBIW

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Spread over three years, the funding totalling £114,400 will support individuals facing complex challenges with housing, debt and welfare rights.

Debbie Alexander, CEO, said: “We are very grateful to the National Lottery Community Fund and proud to begin this exciting partnership with them.

“CHAP is committed to using this funding to deliver more flexible and tailored support to individuals and families in need.

“Together, we aim to create lasting, positive change for communities across Ayrshire.”

For more than 20 years, CHAP, based in Ardrossan, has been providing a free, impartial, advice service in Ayrshire to people facing challenges relating to debt, welfare and housing.

To access CHAP’s services,…

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Following a brief pause during the COVID-19 pandemic when consumers reined in credit card spending, Americans are once again piling up the…

MicroStrategy (MSTR) stock is soaring alongside Bitcoin. In the wake of extreme confidence, we fear many MicroStrategy investors fail to grasp the inherent risks with its unique convertible bond funding and leverage scheme. A recent podcast featuring Tom Lee presented some positive facts about MicroStrategy’s recent convertible bond offering but failed to tell the whole story. Left out of Tom Lee’s enthusiastic outlook is that the “novel strategy” can also bankrupt the company. 

While Bitcoin may continue higher, proving MicroStrategy’s CEO Michael Saylor a genius, investors should at least appreciate what may happen if things do not go according to plan. We now present the other side of the story.  

What is…

Gareth was selected as Legal Advisor of the Year from hundreds of advisors across the UK, in recognition of his work within the business recovery sector.

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Buckley said: “Winning this award is a testament to our team’s dedication to guiding business owners through financial challenges and supporting them in building stronger, more resilient businesses.”

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He later added: “As someone deeply rooted in the Taunton area, my role as Treasurer of the Taunton Round Table allows me to contribute actively to local initiatives and I am proud to be part of a community that values growth, resilience…

South Australian early childhood education and care (ECEC) Precious Cargo has been wound up with liquidator’s appointing Heard Phillips Lieberenz to manage the business until new buyers are found. 

Precious Cargo was founded in 2006 by Cheryl Shigrov and operates seven ECEC centres across the Adelaide metropolitan area that offer a Montessori program to children aged 0 to 5 years old. 

A recent filing with ASIC confirms the development, with members resolving to wind up the company and appointing James Stuart McPherson liquidator. 

Liquidator appointments usually occur at the end result of an extended period of time during which the company has found it increasingly difficult to meet its external debt related obligations…