Why people choose us We offer a wide range of debt solutions

IVA
What is an IVA? An IVA stands for Individual Voluntary Arrangement and is perhaps our most popular debt solution. Often chosen because of its ability to clear debts, it’s a legally binding agreement between your creditors to repay what you can realistically afford. At the end of the IVA, any remaining debts could be written off. On average, per client, we write off debts of around £13,500!

Debt Management Plan
What is a Debt Management Plan? A debt management plan is another option which is very popular amongst our clients. For unsecured, non-priority debts – such as credit cards, payday loans, and personal loans – it allows you to repay your creditors through an affordable, monthly payment. When you choose this solution through us, we aim to freeze any interest rates and charges associated with the debt.

Trust Deed
What is a Trust Deed? Trust deeds are only available for Scottish residents and is similar to an IVA. A formal agreement, it stops creditors from taking action against you, freezes interest rates and charges, and allows you to repay what you can realistically afford. Once the trust deed has been completed, any remaining debts are written off.

Other Debt Solutions
What other Debt Solutions are there? Although the three solutions to the left are perhaps our most popular, there are alternatives. For example, bankruptcy could write off your debts entirely while a debt relief order may be the best option if you have few assets. Alternatively, an Administration Order or the Debt Arrangement Scheme could be what you seek. Contact us and we can find the right solution for you.

Carlo's IVA Story

Carlo Owed  
Bank Loan £15,171.22
Credit Cards £5,888
Overdrafts £102.49
Utilities Arrears £713.81
Payday loans £1,131.94
Store cards
£1,106.70
   
Total Owed £24,114.16
£876 before plan

Total contractual repayments

£160 after plan

Total contractual repayments Reduced by 78.14 %

Carlo's total debt written off was £18,841 over a period of 5 years

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Debts we can help you with

BANK LOANS

Have you borrowed money off your bank? We can help. Complete your application today! Read More

PAYDAY LOANS

Struggling to get out of a payday loan cycle? Speak to your financial advisor now! Read More

OVERDRAFTS

Living in your overdraft? Have a fresh start. Ask your advisor to explain your options. Read More

CATALOGUES

Can't afford to pay back your catalogue debt? Start your application to set up a plan! Read More

CREDIT CARDS

Paying just the minimum payments every month? Take control and find a suitable solution! Read More

STORE CARDS

Have store cards caused you to get into too much debt? Find your options now! Read More

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WE'VE HELPED OTHERS LIKE YOU

4.8/5

Megan

"Always would recommend them. Recently have been speaking with a close friend who is struggling, and she will call them. They are all a team and compassionate and so, so understanding. Over 6 years they always listened to me and guided and helped me. Am now debt free, all paid up. Thank you all so much. Highly recommend them."

Can We Help You?
1/4

Zoe

"I didn’t know what to expect from their Service but judging by previous experience with my creditors I wasn’t looking forward to it. They were understanding, caring, sympathetic and incredibly helpful. If you are struggling with debt - these people, make debt their business and I was relieved to have the help that I so desperately needed."

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2/4

Carlo

"My advisor spent over an hour on the phone with me to completely understand my situation. He had a genuine interest in helping me get my life back together and that is exactly what he has done. I felt very comfortable speaking to him and would recommend him to anyone seeking help when they feel all is lost or nowhere to go to. Thank you again!"

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3/4

Alison

"I was living in the dark with my debt then I found these people online. Prior to me contacting these people I was depressed, I was admitted to hospital with a suspected heart attack, I’m only 29. It turned out to be anxiety and stress due to my debt. I can’t tell you enough that I was close to giving up. These people helped me all the way, gave me an affordable payment each month, extremely easy to talk to."

Can We Help You?
4/4