Debt

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We understand that everyone's different. That's why we offer a comprehensive range of debt solutions.

Debt management

Tailor your monthly payments

Repay your debts with one tailored monthly payment
We deal with your creditors for you
Take control of your debts without a loan
Can affect your credit rating in the medium to long term
Can cost more overall and take you longer to repay debts

Debt consolidation

Simplify your finances

Reduce payments without affecting your credit rating
Consolidate debts into one lower monthly payment
You could pay a lower interest rate on your debt
Can cost you more overall
Can take you longer to repay your debts

IVA

Repay your debt in 5 years

Have one monthly payment tailored to your situation
An alternative to bankruptcy
Pay off your unsecured debt in 5 years (in most cases)
Your credit rating will be affected for 6 years in total
Homeowners will need to release equity in their home

Trust Deed

Debt relief for Scottish residents

Have one monthly payment tailored to your situation
An alternative to bankruptcy (sequestration)
Pay off your unsecured debt in 3 years (in most cases)
Your credit rating will be affected for 6 years in total
Homeowners will need to release equity in their home

Get expert

debt advice

on 0800 195 2911

Apply for a free call-back

Fees payable when continuing service is provided. Alternative solutions may be offered which may result in different fees applying and we will discuss those with you during your initial consultation. Calls may be recorded for training and quality purposes. Calls from UK landlines are usually free, but you should check with your network provider for full details of your service.

Looking for debt advice?

Speak to an expert adviser free on 0800 195 2911 or fill in the form and we'll call you back at a time that suits you.

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Debt help from our experts

"If you're in debt, don't face it alone. The right help can make all the difference."
Melanie Taylor - Debt expert

Debt FAQs

Debt advice & guides

Get help now

Nobody gets out of debt by ignoring their problems. If you have money worries, the sooner you get some professional debt help, the sooner you can get your finances under control again.

So - what kind of problems are you facing?

I can't afford my monthly payments
I'm losing track of my debts
I don't think I'll ever repay what I owe
I don't think I'll ever repay what I owe (Scottish residents)
I just don't know where I stand!

I can't afford my monthly payments

A debt management plan can make your monthly payments more manageable and give you a dedicated professional who'll deal with all your creditors on your behalf, so:

you have one monthly payment - tailored to your circumstances
we handle all contact with your creditors, from negotiations to day-to-day administration
you pay off your debt at a realistic rate

I'm losing track of my debts

A debt consolidation loan simplifies your finances and cuts the monthly cost of paying off your debt, so:

your monthly payments are more manageable
you have just one payment to make per month
your finances are simpler - and it's easier to make every payment on time

I don't think I'll ever repay what I owe

An IVA (Individual Voluntary Arrangement) can help you repay your debt and get protection from your creditors, so:

you make one agreed, monthly payment based on your circumstances
if you're a homeowner, your house will be protected
you know when you'll be free from your unsecured debt - in most cases, after 5 years

I don't think I'll ever repay what I owe (Scottish residents)

Trust Deeds are a legally binding agreement which can help you repay your debt and get protection from your creditors, so:

you make one agreed, monthly payment based on your circumstances
if you're a homeowner, your house will be protected
you know when you'll be free from your unsecured debt - in most cases, after 3 years

I just don't know where I stand!

It's easy to lose track of your finances. If you don't know where you are or where you're going, getting some professional debt advice can be a great way to 'find your feet' so you can start getting your finances in order again.

We provide expert, no-obligation advice - and it's totally confidential.

Expert debt advice

How will a debt management plan change my finances?

If you`re about to start on a debt management plan, you may be concerned about the way it`s going to affect your finances. And it`s true that debt management does...

Timeline of an IVA

If you have unmanageable unsecured debts that you can`t see yourself paying back, you could qualify for an IVA (Individual Voluntary Arrangement). This formal agreement with your lenders enables you...

Debt news

Get confidential debt help and advice
Have one monthly payment tailored to you
Regain control of your finances

Get debt help today: 0800 195 2911

Try our free 30 second debt test

Answer a few simple questions and we'll give you an instant recommendation on your best way out of debt.

Your privacy is important to us. All correspondence is held in the strictest of confidence and we will only request information required to find your best debt solution.