Debt Management Plans

Our debt management service offers free confidential advice to help you find a solution to your financial difficulties. We specialise in clearing our customers’ unsecured debts through affordable monthly payments.

We will allocate you a fully trained personal advisor. Their job is to talk through your current situation and devise a Debt Management Plan to help get you back on your feet.

We can help customers -

Who have overstretched themselves with credit cards, loans or overdrafts.

Whose monthly expenditure now exceeds their monthly income

Who are using credit cards to pay off other debts or to pay for items they previously bought with cash

Who have had a consolidation loan refused

Whose circumstances have changed due to a divorce, separation, bereavement, loss of job or overtime

Who feel like no one is listening

Individual Voluntary Arrangement (IVA)

Bankruptcy help

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--	John is fully CeMAP qualified mortgage advisor. He can help you to find the best mortgage for your home, your buy to let portfolio, your holiday home, your overseas property, etc.
--	Personal visit to your home at a time to suit you .
--	Fully qualified advisor so you can be confident you will get the RIGHT mortgage for yout.
--	Making sense of mortgages and insurance .

“Here here on your excellence!!! We will of course recommend you to all our friends!!Thanks again, you've been fab! On a more positive note, thank goodness for John, imagine dealing with this through some corporation as faceless as the insurance company".
- P & D of Watford




--	Debt management Plans. Allow you to make the repayments you can realistically afford once essential living costs have been taken into account. Will depend on the individual circumstances.
--	IVA's. Ideally suited for unsecured debts over £15000. Potentially write off a percentage of the overall debts Debt free within 3 – 60 months Safeguards house & car and avoid the consequences of bankruptcy
--	Insolvency. Working with a specialist in-house Insolvency Processing Team, headed by one of the UK’s leading Insolvency Practitioners.

This service is not regulated by the Financial Services Authority