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See below how 78,000 people solved their debts with a Government approved debt scheme in 2018.

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All my lenders were contacted on my behalf

...and the majority agreed to accept a shorter repayment term & lower payment

I also had all my debts consolidated

so my card, loans and arrears are paid by 1-single monthly payment 

I was paying £560 / mth towards my debt

4-weeks later I am paying an affordable £140

All contact from my lenders ended all interest & charges were stopped
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I completed my lower payment plan as agreed & paid back £4,120

...and had £17,450 legally written-off

This will differ based on your circumstances

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Like 78,000 other people last year I benefited from

  • Consolidated debt
  • 1-single lower payment
  • Shorter payment term
  • Contact stopped
  • Interest frozen
  • No more late charges
  • Debt legally written-off
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Like 78,000 other people last year I understand that....

  • Credit rating will be affected
  • Equity maybe released
  • I will live on a strict budget
  • My payments may increase
  • If I fail to pay, my IVA fails
  • An IVA is not guaranteed

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Figures based on an actual customer who was recommended an IVA. Alternative solutions may be offered. Lenders are not obliged to accept less than contractual payments. Fees payable if continuing services are provided’

Repaying debt over a longer time may increase the total amount to be repaid. Credit rating may be affected. Lenders are not obliged to accept less than the contractual payments, freeze interest and charges or stop further enforcement action

Partner Solutions


 - Avoid bankruptcy

 - Bankruptcy help

 - Consolidated Payment

 - Credit card consolidation

 - Credit card debt help

 - Debt Advice

 - Debt help

 - Debt Management Plan

 - Debt Relief Order

 - Debt Write-Off

 - Get Debt Free

 - Loan consolidation

 - Loan debt help

 - Lower repayment plan

 - IVA

 - Payday loan debt help

 - Protected Trust Deed

 - Reduce debt

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Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service click here

You can find. Government guidance on dealing with your creditors here.


Help&Solutions is an independent website and has no association with the Government. You are welcome to act upon any advice received and you are under no-obligation to accept the recommendations you may receive.