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If you enter into any arrangements which vary the terms under which you originally borrowed the money your credit rating may be adversely affected; this means that you may find it more difficult to obtain credit in the future and if you do obtain credit in the future it may be at higher interest rates.

Homeowners only: If entering into an IVA, you may be required to re-mortgage your property as a condition of your arrangement.

Depending on the solution chosen for your circumstances, a fee may be payable; we do not charge any up front fees for the service we provide.