Debt Advice Service

You are not alone!

Personal debt has now exceeded £1 trillion and is currently growing at £1 million every 4 minutes... Further unemployment increases are predicted and the government has schemes set up for those who need help. The first step is always the hardest, which you have now taken by simply seeking help to regain control of your finances. The information on this website will enable you to make an informed decision, or if you prefer to chat about your options give us a call.

Step 1. Reclaim Unfair Charges

There is a VERY HIGH chance that you have been subject to unfair charges. Reclaiming these charges is a quick and easy process to initiate, with everything handled on your behalf from start to finish by a specialist who knows the law and your rights. Penalties and fines are unlawful and the last thing that you need right now, so get someone fighting in your corner and reclaim Credit Card Charges & Bank Charges today.

There is also a chance that you have been miss-sold Payment Protection Insurance with a loan and/or charged an unfair Mortgage Exit Fee by profit hungry organisations. These can both be re-claimed easily through a specialist advisor who will assess your case and handle everything.

Step 2. Investigate Your Options

The options available to you will depend upon your specific circumstances, as every case is different. The information contained in our website will provide you with an objective overview of your options and help you to make an informed decision that is right for you.

We understand that sometimes people just want to talk things though...
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IVA DMP Bankruptcy

DMP - Debt Management Plans

  • Ideally suited for at least three creditors with debts over £3,000 and if you are able to repay £125 per month
  • Freeze interest and repay the debt with reduced, realistic monthly payments
  • Regain control of your finances
Find out more about a Debt Management Plan or give us a call to discuss this options.

IVA - Individual Voluntary Arrangements

  • Usually best for debts over £15,000
  • Write off up to 70% of the overall debt
  • Potentially debt free within 3-60 months
  • Safeguards house and car
  • Avoids the consequences of bankruptcy
Find out more about a Individual Voluntary Arrangement or give us a call to discuss this options.

Bankruptcy

  • Overwhelming debts are written off
  • Make a fresh start
Bankruptcy is a last resort, but it is very important that you initiate this process rather than your creditors. Initiating bankruptcy proceedings yourself enables you to retain a level of control over the process.

Find out more about Bankruptcy or give us a call to discuss this options.

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