Castlereagh Medical Centre
BBC | Health News
2.0RSSBBC News | Health | UK EditionUpdated every minute of every day.PM rebuffs call to axe NHS billThe prime minister clashes with Ed Miliband over the controversial NHS bill in the Commons - shortly before the amended plans return to the Lords.Wed, 08 Feb 2012 14:47:28 GMThttp://www.bbc.co.uk/go/rss/int/news/-/news/uk-politics-16933394Call for 'joined-up' elderly careOlder people needing social care are being let down and "passed like parcels" between fragmented services, a group of MPs says.Wed, 08 Feb 2012 04:22:49 GMThttp://www.bbc.co.uk/go/rss/int/news/-/news/health-16910795Parkinson's cells 'made in lab'Scientists in the US have successfully made human brain cells in the lab that are an exact replica of genetically caused Parkinson's disease.Wed, 08 Feb 2012 07:57:01 GMThttp://www.bbc.co.uk/go/rss/int/news/-/news/health-16913997
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Finance

Debt counselling could be the answer to your personal financial problems. Maybe you've lost your job through ill health or been made redundant - the bills keep mounting up and you've no money to pay them.

  • The longer you leave the problem, the worse it is likely to get
  • Unopened bills don't disappear

STEPS TO TAKE

  • Cut down on any overspending
  • Prioritise your debts
  • Get specialist help
  • Don't ignore your creditors - try to negotiate terms with them
  • Work out what you can afford to repay

LOANS

  • Consolidation loans may help - but they are expensive
  • Your bank may also help you

DEBTS TO PAY FIRST

  • Mortgages - to avoid repossession
  • Council tax - failure to pay can lead to a court summons and prison

MORTGAGE ARREARS

  • Even if you are in arrears it may be possible to get a remortgage
  • This may well be expensive - but better than losing your home

REPOSSESSION

  • If the lender sells your home for less than you owe them they have several years to start chasing you for the balance - between six and 12 years
  • It is possible to negotiate a reasonable repayment plan
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