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Sunday, 29th April 2012
So, just how easily can you spot that dodgy debt advice website?
We reckon it should only take a minute of your time, that’s all, and if you find that even just one of the following points applies to the website you are looking at then the alarm bells must surely ring out.
Does the website clearly show the following?
1. An explanation of their fees
2. Details for their complaints policy
3. A clear message that any debt option will affect your credit rating
4. Contact details of the debt charities as an alternative
5. A link to the guide 'Dealing with Creditors’
6. A telephone number to call, that is UK based and with an address to write to
7. Details of their FCA registration number and membership with a trade association such as DEMSA or DRF if appropriate **
** DEMSA and DRF are the two trade associations, to at least one of which a bona fide debt advice organisation, other than a charity, would be a member of. Another exception would be Licensed Insolvency Practitioners.
Do the one minute test
Try Googling ‘free debt advice’ and compare a few debt advice websites (don't forget the sponsored links as well) against my 7 point test and see how they compare against www.debtwizard.com.
Having just spent just one minute examining the website, ask yourself this question, ‘Do you feel you can you trust them’? If the answer is no then you know what to do, don’t you?