Have debts of £5000 or more, and struggling to make payments? Get in touch today!

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Debt Consolidation

We may help to reduce your monthly payments, so you don’t have to resort to a loan and get deeper in debt. Get in touch today and take control of your finances.

Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service click here www.moneyadviceservice.org.uk

Start planning a debt free future today!

Help with money matters…

Thousands of people in the UK are struggling with debt which we understand can be very stressful. Getting the right advice is extremely important.
All debt problems can be solved so if you’re struggling please contact us.

It may be possible to:

  • Reduce your monthly payments
  • Write off up to 85% of unsecured debts*
  • Freeze interest and charges
  • Stop creditor chasing for payments
Individual Voluntary Agreement (IVA)

Individual Voluntary Arrangements (IVA’s) were introduced by the Government in the 1986 Insolvency Act as an alternative to bankruptcy. They were put in place to help anyone in serious debt finding it difficult to make their monthly payments. If you live in Scotland the equivalent solution is a Trust Deed

An IVA is a formal agreement with your creditors (the people you owe money to) where you agree to pay only what you can realistically afford, taking into account your living expenses and monthly income. This is paid as a single monthly payment, usually over a period of 60 months. At the end of the period any remaining debt is written off and you owe nothing to your creditors.

On average, clients have had 25% to 85% * of their debt written off with an IVA!
Provided you maintain your repayments as agreed, an IVA protects you from further legal action from your creditors. In addition to this, all interest and charges are frozen at the time the IVA is agreed.

  • Available to everyone – Individuals, couples and businesses.
  • Remaining debt legally written off.
  • Interest and charges frozen.
  • Keep your house and other assets, such as your car.


*based on data sample taken fronm August 2017, on average customers may have between 25% to 85% of debt written off with an Individual Voluntary Arrangement (IVA).

Debt plans

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