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Debt Advice
Understand your debt options.
Our qualified advisers take time to understand your circumstances and explain every option available to you — clearly, honestly, and without pressure.
- All debt solutions explained, including statutory options
- Qualified advisers, regulated by the FCA
- Your circumstances assessed before any recommendation
- No obligation — information only until you’re ready
Debt solutions are not suitable in all circumstances. Your individual situation will be assessed before any recommendation is made. Debt solutions may affect your credit rating.
Check your options
Answer a few short questions and an adviser will be in touch.
Debt solutions we can advise on
Every situation is different. Here is a brief overview of the options your adviser may discuss with you.
Individual Voluntary Arrangement (IVA)
- Legally binding — stops creditor action
- Remaining debt written off on completion
- One fixed, affordable monthly payment
- Typically lasts 5 years (6 for homeowners)
- Recorded on credit file for 6 years
- Requires 75% creditor approval by value
Debt Management Plan (DMP)
- No formal insolvency — less severe on credit
- Flexible if your circumstances change
- Can be arranged quickly
- Full debt remains payable — nothing written off
- Not legally binding on creditors
- Interest may not be frozen
Debt Relief Order (DRO)
- Debts written off after 12 months
- Stops creditor contact immediately
- No monthly repayments during moratorium
- Strict eligibility criteria apply
- Not available to homeowners
- Recorded on credit file for 6 years
Bankruptcy
- Debts discharged after 12 months
- Immediate legal protection from creditors
- Provides a definitive clean break
- Can result in loss of assets including home
- Restrictions on financial activity during discharge
- Can affect certain types of employment
Debt Consolidation
- Combines multiple debts into one payment
- May lower your monthly outgoings
- Can reduce interest if rate is lower
- Does not reduce the total amount owed
- May extend the overall repayment period
- Requires sufficient credit to qualify
Breathing Space
- 60 days of legal protection from creditors
- Interest and charges frozen during the period
- Time to seek proper advice without pressure
- Temporary measure — not a debt solution itself
- Requires active engagement with a debt adviser
- Cannot be used repeatedly
What happens when you get in touch
Tell us about your situation
Complete the short form above. We will ask a few questions about your debts, income, and circumstances.
Speak with an adviser
One of our qualified advisers will call you at a time that suits. The conversation is confidential and there is no obligation.
Understand your options
Your adviser will clearly explain every solution available to you — including those through debt charities — and the implications of each.
You decide
No pressure. You take the information away and decide what is right for you, in your own time.