Atlantic Financial Management

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Important points to remember:

  • Any fees applicable will be clearly explained before you commit to any Atlantic debt solution and you have a right to a 14 day cooling off period.
  • Whilst creditors are not obliged to freeze interest & charges, in over 83% of cases the Atlantic are acting upon, they have done so. Where a lender does not freeze interest & charges the amount you owe and the period over which you repay that credit account may increase, though requests to freeze interest & charges will continue once several payments have been made to your DMP
  • Whilst entering into a DMP can adversely affect your credit rating it is our experience that those who approach us already have an impaired credit record. By entering into a DMP you will be showing your creditors that you are taking a responsible attitude to resolving your financial problems and this could help you in the future
  • Rescheduling debts can sometimes lead to an increase in the total sum to be repaid and can extend the debt repayment period, though our experience has shown that for revolving credit (e.g. credit cards), where interest is frozen, that the opposite may be true in a DMP, with the repayment period being substantially shorter when compared to minimum contractual repayments
  • The pros and cons of a DMP can be reviewed in the document 'In debt? Dealing with your creditors'
  • If you are unhappy with our service then you have the right to independent redress through the Financial Ombudsman Service (FOS), which is explained in our complaint policy