How TMAC Helped Tracey

How TMAC Helped Tracey Get Back on Track: A Story of Financial Recovery

February 18, 20252 min read

Tracey faced financial strain after experiencing a loss of income. The ripple effects were immediate and significant:

• She had multiple missed payments on her secured loan and mortgage.

• Her unsecured debts were piling up, leaving her unable to make ends meet.

• On top of everything, she wanted to raise funds for much-needed home improvements.

Our Approach

At TMAC, we specialise in finding tailored solutions to even the toughest financial challenges. Here’s how we helped Tracey:

  1. In-Depth Consultation
    We started by listening to Tracey’s concerns and assessing her financial situation in detail. It was clear she needed a solution that addressed her immediate needs while setting her up for long-term stability.

  2. Custom Financial Strategy
    After analysing her secured loan, mortgage arrears, and unsecured debts, we devised a consolidation strategy. The goal was to simplify her payments, reduce her monthly outgoings, and give her the breathing space she needed to recover.

  3. Accessing the Right Lender
    Leveraging our network, we found a lender willing to work with Tracey’s circumstances. Despite her financial setbacks, we secured approval for a
    £40,000 loan, which allowed her to:

    • Pay off her secured loan and arrears

    • Clear her mortgage arrears

    • Consolidate her unsecured debts into one affordable monthly payment

    • Set aside funds for the home improvements she had been postponing.

TMAC Blog - Helping Tracey

The Outcome

By consolidating her debts into a single, manageable payment, Tracey not only saved money each month but also eliminated the stress of juggling multiple creditors. With her arrears cleared, she was back on track with her secured loan and mortgage, and she finally had the funds to make her house a home again.

Why Choose TMAC?

What sets TMAC apart is our commitment to understanding each client’s unique situation and crafting personalised solutions. We don’t just offer financial products—we provide peace of mind and a path forward.

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