We are a debt advice firm. Since 2005 we have helped people and company directors across the UK deal with debts they can’t manage on their own.
Your first conversation with us is free and there’s no pressure.
Want free, independent guidance? Visit MoneyHelper, the UK’s impartial money advice service.
This service is not regulated by the Financial Conduct Authority. That means you can’t complain to the Financial Ombudsman Service about it and the Financial Services Compensation Scheme doesn’t cover it. We give you our terms of business in writing before we start, and you can use our complaints procedure at any time.
Debt advice we are FCA regulated for: Credit cards, store cards, loans, overdrafts, catalogue accounts and other debts in your own name. We can look at whether a debt management plan could suit you, and we’ll explain the other options too, including IVAs, debt relief orders and bankruptcy.
Not regulated by the FCA.Bills the business can’t pay, HMRC arrears, a Bounce Back Loan, a personal guarantee, or a court claim on its way. FCA rules don’t apply to this side of our work, and we’ll explain what that means before you decide anything. Sole trader? Some business borrowing is regulated and some isn’t. We check each agreement at the start and tell you in writing.
FCA regulated for consumer credit debts
One monthly payment,based on what you can afford,shared between your creditors.A plan isn’t legally binding,creditors dont have to agree to it,and it can affect your credit file.
FCA regulated for consumer credit debts
We contact your creditors and ask them to freeze interest and charges and accept smaller payments. They don’t have to agree, and we’ll tell you if they don’t.
FCA regulated for consumer credit debts
Where it makes sense, we ask a creditor to accept a smaller amount as a full and final settlement. It’s their decision, and it can affect your credit file.
Not regulated by the FCA
Help with Time to Pay arrangements for tax arrears, for companies, sole traders and individuals. You can also ask HMRC yourself, for free, and we’ll show you how.
Not regulated by the FCA
Help with the paperwork and deadlines if you’ve had a court claim or a CCJ, and with applying to set aside or vary a judgment. This is procedural support, not legal advice.
We explain them, we don’t run them
IVAs, debt relief orders, bankruptcy and, for companies, CVAs and liquidation. Licensed insolvency practitioners run these, not us.
01
Talk
You tell us what’s going on. There’s no charge and no pressure.
02
Check
We look at the numbers. What you owe, what comes in and what goes out each month.
03
Explain
We go through your options, including ones that cost nothing and ones we don’t provide. You’ll hear the downsides as well as the benefits.
04
Decide
If you go ahead, we set everything up and keep you updated. If you don’t, you’ve lost nothing
✔ We tell you what we can’t do as clearly as what we can
✔ We show you the free options, and you can go to them instead.
✔ You see our fees in writing before you agree to anything.
✔ No judgement. Debt happens to all kinds of people, and we talk to you like one.
We’re authorised and regulated by the Financial Conduct Authority for debt counselling and debt adjusting (firm reference number 666760). That covers advice on personal debts such as credit cards and loans. You can check us on the FCA Register.
Some of our work, including company debt, tax debt and court claim support, isn’t regulated by the FCA. We’ll tell you which is which, in writing, before you commit.
Your first conversation is free.
If you go ahead with a debt management plan, there are fees, and we publish them in full with worked examples so you can check them before you call. [ Our fees].
For company, HMRC and court work, we give you a written quote before we start.
Yes, for debt counselling and debt adjusting relating to personal debt. Our firm reference number is 666760, and you can check it on the FCA Register. Some of our work, such as company debt, tax debt and court claim support, isn’t regulated. Our regulatory information page explains the difference.
Yes. It’s free and there’s no obligation. If you decide to go ahead with anything that has a fee, we’ll explain it in writing first
Yes. We help individuals, sole traders and limited company directors across the UK. The FCA regulates some of this work and not other parts, and we’ll tell you which in writing.
Regulated side: credit cards, personal loans, overdrafts, catalogue and payday debts in your own name.
Not regulated: company debts, a company’s HMRC debts, Bounce Back Loans taken by a company, and court claim support.
Not sure which side yours is on? Ask us. It’s part of the first conversation.
We are based at ACME House, 136 High Street, West Drayton, Middlesex, UB7 7BD. We help clients across the whole of the UK, not just London.
That is exactly what our free consultation is for. One of our advisors will review your full financial situation and recommend the most suitable option for your circumstances.
No. A chat with us doesn’t affect your credit file. Some solutions do, such as a debt management plan or an IVA, and we’ll explain how before you decide.
Not by law. Once we’re acting for you, we can ask creditors to deal with us rather than you. They often will, but they don’t have to. If you need legal protection from creditors, Breathing Space or a formal option may suit you better, and we’ll talk you through them.
Yes, that’s a big part of what we do. It isn’t regulated by the FCA, so please read our company debt page first.
Tell us. A free service such as StepChange or National Debtline may suit you better, and we’ll say so. We’d rather point you to the right help than take on someone who’d be better off elsewhere.
