Zero-credit empowers borrowers digitally ~ Debt Managements and Consolidation

A new era of transparency

Where would you shop, at “the home of fresh baking”, or where “we never sell a stale cake”? No prizes for guessing which slogan is Greggs’! The trouble with debt help is that it is a stale cake - as trapped in stigma as debt victims themselves. No one wants to talk about it, politicians simplify it and the media exaggerate it to get a good scoop. This is why personal borrowing has sat at £1.5 trillion since 2008 and the likes of Mumsnet report some 70% of households as struggling.

The market for recovery

In reality, debtors are no longer an errant minority, but in the mainstream. Many are the “can’t pays” of a change in circumstances, apparent in the changing profile of debt clients and dynamic growth across the high cost credit sector. Financially, but not necessarily socially excluded, the squeezed middle is accustomed to choice.

Leading the debt debate on digital since mid 2009, Zero-credit epitomizes the trend. Digital media are not simply a cost-effective message board for posting a take-it-or-leave it offer. They engage a diverse audience, who, far from remaining victims consigned to limited choice, become empowered to browse and compare. Recovery is dependent on their doing so, because fresh baking is more motivating than stale cake.

Making informed choices together

In Digital Presence for Debt Advice and Resolution Professionals, Zero-credit correlates key digital trends and service attributes with the latest guidance from the OFT. Featuring a selection of policy and advice exemplars, this innovative work approaches digital engagement as an arena where consumers and professionals are making informed choices together. Digital Presence for Debt Advice and Resolution Professionals is on sale at £97, with attractive discounts for members of professional associations and Zero-credit subscribers.