Our
Services
We understand that your circumstances are individual to yourself and you have specific aims relating to your finances. Therefore we offer a range of financial services and will complete a comprehensive review of your personal financial situation before we offer the most suitable solution.
Creditor
Repayment
Plan
These are useful if you need to reduce the amount you are paying out each month to your unsecured creditors so you can afford to live and also pay priority debts (such as rent or secured loans). We see Creditor Repayment Plans as a temporary solution to help you regain financial stability and reduce any stress that your debts are causing.
The main benefits of a Creditor Repayment Plan are;
We negotiate with the creditors on your behalf.
We negotiate to freeze or reduce interest and charges on your unsecured debts.
You make a single, affordable monthly payment to us and we distribute the payment to your unsecured creditors.
You will have a dedicated Relationship Manager who will oversee the management of your Creditor Repayment Plan.
We will regularly review your finances to ensure our advice is always the best for you.
Creditor negotiations normally take 2 months and your first two contributions to the plan are used as administration payments. We charge 17.5% of your contribution each month, with a minimum of £35. You can leave a Creditor Repayment Plan at any time and are not tied in to a fixed term contract.
Full and
Final
Settlement
Plans
We specialise in negotiating Full and Final Settlements with your creditors.
If you have managed to get extra money through a windfall, financial compensation, an inheritance, a remortgage or some other source we can negotiate Full and Final Settlements on your debts.
The settlement process usually takes 3-6 months and we can negotiate to pay your debt off for a percentage of the balance.
Our expert negotiators will guide you through each step of the process and handle all contact with the creditors. The fees for this service are 25% of the amount your debt is reduced by, so it is a results based service, if we cannot settle your debt at a discounted rate then we will not charge you.
If you feel settlement may be beneficial to you, or you would like more information, please fill in the contact form on the right, or if you are already a client please contact your Relationship Manager.