Consolidate your debts into one affordable monthly payment and you could reduce your bills by up to 70%. It’s quite simply the easiest and least stressful way to manage your debts.

Our Debt Management Programme could be the best way to turn your loans, credit cards and overdrafts into a single affordable monthly payment, so that you can pay off your debts and get on with living your life again.

It’s easy, just pick up the phone and dial 0800 978 8486 for confidential and expert advice on getting out of debt today.

• 100% confidential help and advice.
• We will advise you of the best solution for your personal circumstances.
• Once lower more affordable monthly or weekly payment.
• Freeze or reduce Interest and charges.
• Dedicated single point of contact, reachable by phone, text and email.
• Best Advice Policy.
• Fully trained staff with years of experience.
• Licenced under the Consumer Credit Act.

You’ll pay only what you can afford.

Once we have assessed your financial situation, we will present a suitable repayment plan - which will make allowances for your priority debts. Generally, these include Mortgage or Rent payments, Council Tax, Water Rates and Utilities, as well as your usual day-to-day living expenses.

From the information given, we then calculate how much YOU can afford to pay towards your other creditors, which will then form the basis of your agreed repayment plan.

Taking the pressure off youself, by leaving it all to us.

Consolidating your debts into one single monthly payment makes your financial obligations much easier to control. We will negotiate with your creditors to reduce your regular financial commitments and arrange for the interest and charges are stopped or reduced.

Another major benefit to you is that your new, more affordable monthly payments will go towards clearing your actual debt instead of just covering the interest and charges you may have accumulated. To make things easier, we are happy to deal with all the necessary paperwork on your behalf.

A Debt Management Plan operates by reducing your monthly payments to your creditors placing your accounts into of further into arrears. By doing this you are breaking the agreement you signed when the credit was taking out. You will be in default of your agreement so your credit rating will be affected. However, if you have been refused credit or have missed payments your credit rating will already be affected.

Working with you.

Our bespoke Debt Management Programme was created to provide you with as much flexibility as possible. We concentrate solely on each individual’s financial requirements, which helps us to assess accurately how much you are able to repay each month.

However, if your personal circumstances change, we can review your programme accordingly and implement any changes necessary.