It can easily happen - you miss a payment on your mortgage, or credit card, or loan, and before you know it the next payment is due. This can effect your credit history in several ways.

Even with arrears on personal loans, your mortgage or your credit card, we can still point you towards the companies that can guide you through applying for a loan that is specifically for people with mortgage arrears, or indeed arrears of any kind.

With mortgage arrears, you may just want to consolidate all of your loans, and re-mortgage your property. This can often give you a surplus of cash for you to spend, with an often added bonus of reducing your monthly payments due to the lower interest rates.