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Christmas is around the corner and many people are wondering how they will cope financially as we continue in the worst cost of living crises for generations. While everything still seems to be
Continue ReadingThe Bank Of England has once again increased interest rates in May 2023, the 12th consecutive rise since December 2021, increasing them to 4.5%. With interest rates before these rises set at almost 0%
Continue ReadingInterest Rates and Personal Debt Interest rates rose once again in the UK on 23 March 2023 by a further 0.25% to 4.25% which can have a major impact on personal finances for many who were already suffering
Continue ReadingIs an Individual Voluntary Arrangement the Best Debt Solution?At X-debt we pride ourselves in providing best advice and, although we only offer Individual Voluntary Arrangements (IVAs) as a personal debt
Continue ReadingWhat is an Individual Voluntary Arrangeemnt and How Does it Work? An Individual Voluntary Arrangement (IVA) is a formal agreement between an individual and their creditors to pay back some or all of their
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