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Debt Management   - If you have relatively low debts but struggle to meet your repayments.
Debt Consolidation   - Our team can explain the debt consolidation choices available to you.
Debt Advice   - We offer confidential debt advice and help on all debt solutions.
IVA Advice   - An alternative to Bankruptcy if you have a significant amount of debt.
Trust Deed   - Available to those living in Scotland.
Bankruptcy   - Considered only if all other debt management & IVA options are exhausted.
PayDay Loans   - Short-term loans until payday.



Debt management by Been Refused Finance


Been Refused Finance are specialists in Debt Management, IVA and Bankruptcy arrangements. There are many financial products available to get yourself out of debt, our team of experts at Been Refused Finance can help you select the right solution to lift the heavy burden from your shoulders.


Debt management


For people with reletavely small debt problems and are struggling to keep up with repayments. Been Refused Finance can help so you can:

Debt consolidation


For people with large amount of debt problems and are being threatened with legal action, and or monthly out goings higher than their wage.

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Mortgages set to rise

Posted on 2010-02-18

Mortgages have been forecast to rise considerably within the next three years.
With the UK’s emergence from recession, the housing market has also seen surprisingly positive results. The housing market has seen many ups and downs and has also endured a massive slump throughout 2009. The economy has only just surfaced from a dire situation financially and has in fact created space for mortgage lending to increase and therefore prices to be pushed up. This spells good news for many property owners across the country, as many have struggled through the past 18 months and are now looking forward to a brighter future.
With the financial position in the UK continually changing, it is difficult to make accurate predictions. Many forecasts have proved incorrect throughout the previous 18 months. The economy is still extremely unstable and it is therefore increasingly difficult to make accurate predictions.

As a result of this unpredictability it has become a difficult task for economists to attempt to place some kind of bearing on the economy and set achievable goals. This in particular is becoming problematic and creating an extremely difficult situation for economists hoping to find solutions to the financial issues faced.It is increasingly difficult to find solutions when the guidelines continue to shift.

As UK unemployment levels drop, house prices go up as a knock on effect. As house prices rise, mortgage lending increases and the economy is able to retrieve some ground.

The economy has to begin to take steps forward and provide solutions to prevent a reoccurrence of the near economic collapse seen in 2009. There are several different options for the government and officials to look into and consider. The most apparent option currently being put forward is a tax levy placed upon all large insurers and banks which would go towards covering the cost of another financial crisis rather than tax payer’s money having to bail out the economy again.


UK economy emerges from recession
Posted on 2010-02-02


The economic situation in the UK has finally begun to look to a brighter future and is now slowly emerging from a dire financial situation. It is important that the Government as well as the banks and large insurers begin to plan for the future and take some responsibility for billions of pounds of tax payers money used to bail out the banks throughout 2009.

The UK is the last major economy to emerge from the recession. Even the largest economies in Europe had emerged from recession last week, including the USA and Japan. Recovery is still slow and the financial situation going into 2010 remains extremely fragile.

However this is not the time to get excited about the end of the recession as the difference between the economy at this moment in time and the state of the economy throughout the previous year is relatively insignificant. On paper the economy has emerged from recession but in truth it is barely in a better position than it has been for the past 18 months.
The good news is that the economy is at least moving in the right direction.
However the difference between the economy at this moment in time and the state of the economy throughout the previous year is merely a case of crossing a line. It is literally a case of crossing a border, the important factor is that the economy now continues to grow and does not return to the dire situation of the previous year.


Is insurance levy solution to bank bailouts?

Posted on 2010-02-02

2009 saw tax payers having to make huge bailouts for banks to prevent the economy from collapse. Throughout 2009, the economy has been on a knife edge. In a meeting held by Lord Myners, officials from financial institutions will discuss methods to prevent the economy from coming close to collapse again or requiring tax payer money to bail the banks out.
Preventative measures must be put in place to avoid the reoccurrence of the financial catastrophe faced in 2009. One of the main issues to be considered is whether or not large insurers and banks should pay a levy as insurance to protect the economy in the case of financial difficulties in the future, avoiding any future bail outs.

Unfortunately, discussions regarding this issue are in their infancy and are very unlikely to be brought anywhere close to conclusion within the near future. The meeting has been set up prior to Barrack Obama’s decision to enforce a fee of insurance to aid towards the repayment of the billions of dollars of taxpayers money used to bail out banks in 2009.

The economy is still unstable and the government and officials must be extremely careful not to thrust it back into the position it was in throughout 2009. The economy must not be allowed to near collapse again and banks certainly must not rely on tax payer’s money as a bail out clause to fall back on.

2010 should be a year to kick start the recovery of the UK economy and bring some resolve to the situation. The tax levy was also previously put forward at the G7 summit by Prime Minister Gordon Brown. Unfortunately, when it comes to tax, it is extremely difficult to get any movement from the government and officials, which is ironic considering that they do not hesitate to place taxes on the public sector.