Phone IconCall us for advice 0808 223 4188

Get debt help, write off unsecured debts

  • Low monthly payment Pay all your debts in a single monthly payment
  • Stop interest and demands We will take control of your lenders on completion
  • Reduce your debt Help is available to help reduce your debts
  • No need to take out more loans Start reducing your debt without more loans

Complete the form below to see what help is available

Take our online debt check test
By submitting your details you're accepting our Privacy Policy and agree to us passing on your information to a third party company to provide the services via email, phone or sms.

* The debt write off amount for each customer differs depending upon their individual financial circumstances and debt level. Any write off is also subject to approval from creditors.

What type of debts do you have?

Select the type of debt you have to proceed to the next step

Store cards

Loans

Car finance

Other

Next step

How much unsecured debt do you have?

Select the amount of debt you currently have

Less than £4,000

£4,000 - £20,000

More than £20,000

Are you behind on payments?

Yes

No

How many number of creditors do you have?

Select the amount of people you owe money to

Less than 2

More than 2

What is your current residency status?

Renting

Own Home

With Parents

Where do you currently live?

England

Scotland

Wales

(N) Ireland

Congratulations, get your results!

We have a solution for you. Please enter your details for an instant on screen report.

We will send you a copy of your results.

How It All Works

What is an Individual Voluntary Arrangement ( IVA )

IVA's were first introduced as a solution to problem debt in 1986 and now are the most popular formal solution to clear debt. They are designed to make repayments more manageable and affordable. These schemes must be set up by a registered Insolvency Practitioner (IP) who will split your payments between your creditors. These are legally binding agreements in which you pay back all or part of your debts.

The arrangement is put together to prevent any additional interest and charges being added your existing debt (creditors can't change their mind!) These will normally last 60 months, and during this period you will be expected to make one affordable payment each month towards your debt. At the end of 5 years* and any debt that remains will be legally written off.

With no set up fees involved!

DEBT CALCULATOR

Just think, no more:

  • Nasty phone calls from creditors
  • Get out of debt in 5 years
  • Payday loans you have to keep rolling over
  • Dreading bills because you know you can’t pay
  • Running out of money within days of being paid
  • Having your cards declined at the till
  • Reduce your monthly payments to a level you can afford

You should know that:

  • There's no guarantee that your lenders will agree to an IVA
  • Your name will appear on an insolvency register
  • Entering an IVA may have a serious impact on your credit rating

Typical Example

Here is an example of how an IVA could help you.

Example Unsecured Debts

1 Personal loan £8,000
2 Credit card 1 £6,812
3 Credit card 2 £4,092
4 Credit card 3 £5,399
4 Credit card 4 £5,200
4 Overdraft £700
Total Owed £30,204

Your Monthly Repayments Would Be

Before
an IVA
£748
(total contractual repayments)
After
an IVA
£295
(total contractual repayments)
Reduced by
41%

* Subject to creditor acceptance
* Payment subject to individual circumstances
* Credit rating may be affected
* Fees apply, subject to individual's circumstances.

Get help to start reducing your debt repayments

Check If You Qualify