Berkley Vittoria offer independent financial services and specialise in assisting people with adverse, poor or bad credit histories. Berkley Vittoria can provide mortgages, remortgages and secured loans for debt consolidation or for other purposes. If you wish to raise funds for a new property or to consolidate credit card or other debts and have CCJ's or some other form of bad credit history then Berkley Vittoria can more than likely help. Mortgages for problem properties and for right to buy properties can also be arranged. Berkeley Vittoria have access to a large range of mortgage lenders and finance providers thus ensuring that we can assist most circumstances.
Bad Credit Mortgage Broker
   Debt Consolidation Mortgages & Secured Loans

 

 

 

 
Mortgage_Quotation

 

 

  Frequently Asked Questions
 

If you cannot find the answer to your questions here then give us a call or email us.

How Long Does it Take?

It does depend on the lender and their speed of response. For credit cards, loans, store cards and catalogue debts we estimate that the process can take 3 to 6 months.

Are There Alternatives?

Yes. Bankruptcy – IVA - or Debt Management. These will all have an adverse affect on your credit file.

Does This Affect My Credit File?

If you have a good credit file, we recommend you continue to pay the minimum amount until advised otherwise.

What if I have a Bad Credit File?

In certain cases where adverse credit is already recorded it would make no difference if minimum payments were not maintained. Our advice is always to maintain your credit file where possible.

Is It Guaranteed?

Nothing except death is guaranteed. Bear in mind we want our clients to be the recipient of good news not bad news so we only take cases with a high chance of success.

Could I Do This Myself?

YES. If you have the knowledge and experience but beware there are a lot of pitfalls along the way. This will also take a lot of your personal time and getting the paperwork right is crucial to the success of your claim.

Are There Any Repercussions?

It is highly unlikely that if we write off a credit card or make a successful claim on a mortgage that that particular lender will make their services available again. The good news is there are plenty of other lenders.

Can I Do This If The Debt Has Been Sold or Assigned?

It is sometimes easier to deal with a debt collection agency rather than the original lender. It brings other issues into effect that in most cases actually help the client's case and can make it easier to challenge and cancel the agreement.

Would I Ever Have To Go To Court?

If the lender will not negotiate on a case that we know is un-enforceable then yes we would issue court proceedings. You would be legally represented in court so do not worry. Most cases are negotiated before the court proceedings.

If you would like more information or have any cases that you would like to talk to use about then please contact us.

 

There may be a fee payable upon completion for mortgage advice. The precise amount of the fee will depend upon your circumstances but we estimate that it will be £595. (No broker fee charged on mortgages over £300,000). You have the option to pay us a fee and receive any commission which we are paid by the lender.  If you choose this option, we estimate that the fee will be £995.
The overall cost for comparison is 4.5% APR.
  Think carefully before securing other debts against your home. 
Your home or property may be repossessed if you do not keep up repayments on your mortgage.		  
 ©2010 Berkley Vittoria Independent Financial Services Ltd