About us

Arrow Choices

Why are we here?

Information overload

There are many resources out there for dealing with debt, from official organisations to private charities and profit making companies. There are also numerous consumer and debt forums, some better than others. This is a case of too much choice. Most of those resources provide useful and valuable information, however, there are some that can get you in more trouble than you are already in, if you are not careful.


This site aims to provide a useful compilation of resources aimed at helping people deal with their debts and explore different avenues. There is always more than one way to skin a cat and you should always choose the course of action that’s most appropriate to your individual circumstances.

We hope this site will provide useful information to help people deal with their debts and, more importantly, see the light at the end of the tunnel. It’s not uncommon to be stressed out and lose sleep over debt, however, there is a way to deal with every debt, you just need to know how. Being in debt is not the end of the world, even if you have received a court claim or have bailiffs trying to enforce a judgment, there’s always a way.

This site is not intended as a replacement for professional help or legal advice, nor is it a substitute for the services provided by public and private organisations dedicated to debt counseling and management.

The need for credit

Most of us use credit in some form or other, whether it’s a mortgage to buy our own home, a loan to purchase a car or credit cards to pay for holidays and social occasions, most of us borrow money and have been doing so for decades. However, the use of credit to pay for essentials as well as treats has been steadily increasing over the years. In the 1960s, people usually borrowed money to buy property (mortgage), vehicles and to make major household purchases such as furniture and electrical appliances which, in those days, were much more expensive than today in relative terms, but also much more durable. As an example, in 2003 two neighbours replaced their fridges after they’d stopped working at the same time: the younger one had bought hers in 1998, the older one in 1968.

The traditional way to borrow money was to either get a loan from a bank or a similar institution (building society, credit union, etc.), or to arrange finance directly with a supplier of goods such as a car dealership, furniture or white goods shop. Borrowing involved a rather lengthy process and the money was used for a specific purpose. There was no room for impulse purchases. Credit cards changed all that. Suddenly you had a credit line that you could access simply by producing a small bit of plastic. They could be used to pay small and even to get cash advances.

Credit as a way of life

Credit Cards

Although credit cards have been around for many years, the last 20 years saw a proliferation of mailouts, adverts and special offers everywhere inviting people to apply for credit cards, coupled with easy approval and automatically increased credit limits. In the early years of the 21st century, many people acquired multiple credit cards. It wasn’t unusual to have five and 10 was not uncommon. Even with a modest limit on each card, it was easy to rack up tens of thousands of credit card debt, which never got repaid by making minimum payments, yet minimum payments is all most people can afford.

All change!

The global financial crisis of 2008 saw many people default on their credit cards, loans and other debts including mortgages and secured loans. The prolonged economic downturn that followed saw many more get into further debt before finding themselves unable to manage. Welcome to 21s century Britain!

We hope you’ll find the resources on this site useful. If you have any suggestions or comments please feel free to contact us.