Calculators
-
Mortgage Calculator
See how much mortgage you can have
-
Debt Calculator
Work out how we can help you manage your debt
Discuss your debts and receive confidential no obligation advice.
please call us on:
0800 630 0739
OR
Let us Call You Back
Complete our short form below and one our UK based advisors will call you shortly
Testimonials
“After the first phone call we felt immense relief. They didn’t patronise us in any way. There’s no better feeling than knowing you are in control of your finances. We just knew that we’ve done the right thing.”
Mr and Mrs D & P Lincoln
Free Debt Management Plan Providers
| Provider | Demsa members who’s code is approved by the OFT |
Online | Telephone | Branches | Contact |
|---|---|---|---|---|---|
| Clearstart | YES | YES | 0800 630 0740 | NO | www.clearstart.co.uk |
| Payplan | NO | YES | 0800 280 2816 | NO | www.payplan.com |
| CCCS | NO | YES | 0800 138 1111 | NO | www.cccs.co.uk |
Charging Debt Management Plan Providers
| Provider | Demsa members who’s code is approved by the OFT |
Online | Telephone | Branches | Contact |
|---|---|---|---|---|---|
| Debt Free Direct Ltd | YES | YES | 0800 630 0452 | NO | www.debtfreedirect.co.uk |
| Lawrence Charlton Ltd | YES | YES | 0800 954 6209 | NO | www.lawrencecharlton.co.uk |
| Debt Advice Group | YES | YES | 0800 988 9723 | NO | www.debtadvicegroup.co.uk |
| Gregory Pennington | YES | YES | 08456 343434 | NO | www.gregorypennington.co.uk |
| Debt Management Associates Ltd | YES | YES | 0113 308 5000 | NO | www.moneyvillage.co.uk |
| Easierdebt | YES | YES | 0845 373 4060 | NO | www.easierdebt.co.uk |
| Baines and Ernst Ltd | YES | YES | 0800 096 1331 | NO | www.bainesandernst.co.uk |
| Hamilton Locke | YES | YES | 0800 083 4646 | NO | www.hamiltonlockedebtmanagement.co.uk |
| Freeman Jones | YES | YES | 0800 970 7725 | NO | www.freemanjones.co.uk |
| Debt Advisory Line | YES | YES | 0800 542 6883 | NO | www.debtadvisoryline.co.uk |
| No Debt Now Ltd | YES | YES | 0800 473 0636 | NO | www.nodebtnow.co.uk |
| The Debt Advisor Ltd | YES | YES | 0800 085 1825 | NO | www.debtadvisoryline.co.uk |
| Harrington Brooks | YES | YES | 0800 048 1764 | NO | www.harringtonbrooks.co.uk |
| i-Sm@rt Consumer Services Ltd | YES | YES | 0800 0433607 | NO | www.debt-management.co.uk |
| Chiltern Debt Management | YES | YES | 0800 026 0066 | NO | www.chilterndebtmanagement.co.uk |
Debt Advice Only Providers
| Provider | Demsa members who’s code is approved by the OFT |
Online | Telephone | Branches | Contact |
|---|---|---|---|---|---|
| Citizens Advice | NO | NO | NO | YES | www.citizensadvice.org.uk |
| Christians Against Poverty | NO | NO | NO | YES | www.capuk.org |
| National Debt Line | NO | YES | 0808 808 4000 | NO | www.nationaldebtline.co.uk |
Get Debt
Management
Help Today!
Debt Management Plans
Debt Management consolidates debt in to ONE low affordable payment without further borrowing
Debt Solutions
| Advantages | Disadvantages |
|---|---|
| Affordable monthly payment | No more borrowing during the IVA period |
| You won't have to go bankrupt | Credit rating is poor for a further year after the IVA |
| You keep your house and car | Default can result in bankruptcy and you may end up paying more |
| Interest payments are frozen by law | Five year period |
| Your overall debt is substantially reduced | If you have equity in your home you may be required to release it to your creditors. This is usually achieved by increasing the level of your mortgage towards the end of your IVA. If this is not possible you are likely to be required to extend your IVA payments by up to an extra 12 months |
| Your friends and family don't have to know | |
| Your debts are cleared in five years | |
| Payments are calculated to be affordable; whilst in an IVA your home is protected from legal action and unsecured creditors cannot force you to sell |
The Longer You Leave Your Debt Problems - The Worse The Situation Becomes.
Debt Management Help in the UK
Many people who find themselves in debt wrongly assume that there is very little help out there. Or conversely it can seem like there are so many different debt management agencies and companies that it is hard to find help in the UK because they simply don’t know how to choose the best company.
Well there are some questions that you can ask yourself, when dealing with different debt management services to ensure that you pick a company that is right for you.
For a start does the company have staff who will listen to you and take account of your very unique and individual circumstances? If they do not listen to you then it is better to look elsewhere and find a company with more professional staff!
Are you able to make contact with the adviser that you initially spoke to? If you have approached a debt management agency to help you in the UK but every time you call or email them, if you get a response from a different person then they may not be the best company to deal with.
Debt Management Advice
When you ask them questions are they evasive or do they answer your queries honestly and openly? Again, if they shy away from giving you direct answers, no matter how unpalatable these may be, then move on and find another company.
It is always best to stick with a UK company for help (or at least one with offices in the UK). If you choose a debt management company abroad, then they may not be able to help you as much as one that is based in the UK.
So armed with these questions and things to consider you should be able to find the best debt management help in the UK that there is and you should also have a constructive and positive relaionship with the debt management agency you use to provide you with help in the UK.
Latest UK Financial News - Last updated 2012-02-02 15:45:39
Looking to improve your credit score? Here are our top tips......
Almost half of people living in the North West cant afford to pay their household bills, a new study has found....
January is typically a gloomy month for all and many will be glad to see the back of it. We take a look at the top 5 ways January has damaged your wallet....
The rate of inflation fell dramatically by 0.6% between November and December 2011 but still remains high for UK households....
Four of the UK's leading energy suppliers have recently announced plans to slash their prices by up to 5%. Whilst this offers some comfort to millions of households, nearly half the population still cannot afford to pay their bills....
Debt Management can be an excellent solution to your debts, but it will depend on your individual situation. For example, an IVA (Individual Voluntary Arrangement) or another debt solution may be of more help, so it’s worth talking to us first.