Kirby Malzeard & Masham Surgeries

BBC | Health News
2.0RSSBBC News | Health | UK EditionUpdated every minute of every day.'A little too much drink' warningDrinking "just a little more than they should" puts people at risk of serious illness including heart disease, stroke and cancer, the government is warning.Sun, 05 Feb 2012 00:39:22 GMThttp://www.bbc.co.uk/go/rss/int/news/-/news/health-16869618Health bodies reject NHS reformsPhysiotherapist leaders have joined the Royal College of GPs in calling for the health bill in England to be scrapped, increasing pressure on the government.Fri, 03 Feb 2012 15:23:39 GMThttp://www.bbc.co.uk/go/rss/int/news/-/news/health-16861672Malaria toll 'is twice as high'The number of deaths worldwide from malaria has been underestimated, according to data published in the medical journal the Lancet.Fri, 03 Feb 2012 00:07:13 GMThttp://www.bbc.co.uk/go/rss/int/news/-/news/health-16854026
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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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