What happens when I apply online?
Upon filling out an application form, one of our advisors will contact you to determine the best way we can help you and answer any questions you may have. If you agree to join one of our programs, an agreement will be sent to you that allows our staff to negotiate with your creditors.

You will NOT be charged for an enquiry and are under NO obligation whatsoever.

How much will I have to pay?
It depends on what you can afford. Our trained staff will work out a monthly payment plan with you

What do you do?
We negotiate with your unsecured credit companies to reduce your monthly payment and request them to freeze or reduce their monthly interest charges. We will then take a single monthly payment form yourself and pay your creditors on your behalf. This will make managing credit payments towards your far simpler.

How do I know I'm getting the best advice?
We are Licensed under the 1974 Consumer Credit Act and, as such, any debt advice we give must be ethical and professional. In addition, your questionnaire and financial circumstances will be reviewed by our in-house Chartered Accountant, who has extensive experience in the financial industry services. We also adhere to the Data Protection act to ensure client confidentiality.

How do I know my debts are being paid?
We will apportion any payments received from you for distribution between your creditors based on how much each is owed. We will issue a statement showing how much each creditor will receive. This remains fixed unless your circumstances change. We will also issue a quarterly statement showing all transactions on your account. In addition to this, you will still receive your statements from your creditors.We distribute funds within a week of them clearing.

Will this affect my credit rating?
Yes. As you are currently experiencing difficulties paying your debts, it possible one of your creditors has already recorded adverse finding against you. However, by joining the programme we ensure a regular monthly payment is made to each of your creditors.

Is a Trust Deed an accepted and government approved debt solution?
Yes. Trust Deeds have become a recognised and popular method for individuals to deal with financial difficulties

What happens when I apply for a Trust Deed?
If you would be best served by entering into an Trust Deed, we do all the preparatory work for you. After the initial steps have been taken, and we believe you meet the criteria for a Trust Deed, we then pass your case to our Trust Deed specialists. We then act on your behalf in all correspondence with your creditors and the preparation of you financial statement, once the case is underway.