Start to get debt free with an IVA
Find out if you qualify to write off up to 90% of your debts
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We'll deal with your creditors
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Freeze your interest & charges
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One affordable monthly payment
- We'll deal with your creditors
- Freeze your interest & charges
- One affordable monthly payment
Make sense of your money
with your free report
Make sense of your money with your free report
- Find out if you qualify for an IVA
- Understand where your money goes each month
- Let us help you take control of your finances
An IVA typically lasts for five years and the end of the term, debts included are completely written off, as this is an insolvency solution there maybe somethings you want to consider:
Your lenders are not obliged to accept the IVA- If the IVA fails, it could lead to bankruptcy
- There will be a restriction on expenditure whilst on the IVA
- You will be placed on the public insolvency register
- Your credit rating is affected for 6 years
- In the final year of the IVA, if you are a homeowner, you may be required to remortgage your home. If successful, the terms of the new mortgage may be less favourable. If you can't remortgage, the term of the IVA will be extended by 12 months
Fees are payable if ongoing services are provided, read more here.
Used in the right circumstances, IVAs are a very effective way of helping you to take back control of your finances. Once accepted lenders legally cannot contact you and your payments will be reduced to an affordable level.
Our advisors offer free, clear and confidential debt help and simply speaking to them will not impact your credit rating. They can help to see if you qualify for up to 90% debt write off.
Find out if you qualify to write off up
to 90% of your debts
An IVA typically lasts for five years and the end of the term, debts included are completely written off, as this is an insolvency solution there maybe somethings you want to consider:
- Your lenders are not obliged to accept the IVA
- If the IVA fails, it could lead to bankruptcy
- There will be a restriction on expenditure whilst on the IVA
- You will be placed on the public insolvency register
- Your credit rating is affected for 6 years
- In the final year of the IVA, if you are a homeowner, you may be required to remortgage your home. If successful, the terms of the new mortgage may be less favourable. If you can't remortgage, the term of the IVA will be extended by 12 months
Fees are payable if ongoing services are provided, read more here.
Start your debt free journey
Start your debt free journey
Step 1
Answer a few online questions and talk to our expert advisors about how you could become debt free.
Step 2
We'll set everything up, and manage the approval process with your creditors. If approved, you'll start making one affordable monthly payment.
Step 3
With help from us along the way, continue to climb until you reach your debt free destination.
Find out if you qualify to write off up to 90% of your debts
Start to get debt freeTypical example of an IVA
These figures were based on IVA customers, with active solutions between April 2021 and March 2022, who had disclosed information about their previous contractual payments during onboarding.
£656per month
Old monthly
payment
£405per month
Saving
£251
per month
New monthly
payment
IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. IVAs are not available in Scotland. Fees Payable.
To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance.
What separates us from the rest
What separates us from the rest
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Experience
Over 15 years we’ve helped thousands of people
repay their unsecured debt -
Highly rated
On the independent review website Feefo, we are
rated 4.9 out of 5 stars. -
In it together
A team of Relationship Managers will be there to help and support you throughout the process.
Get Started
Here is what our customers say about us
Recent Customer Feedback
Friendly and understanding
They listen, didn’t judge, understood my needs and explained everything in plain English.
Mr Lee Gane
Peace is just a phonecall away!
Exceptional prompt callback , strong and supportive throughout the wholeapplication process.
Mrs Debra Davies
Amazing service!
Felt understood, listened to, everything well explained, they were honest. I feel at ease and know this has been the right choice for me. I felt so alone and really didn't know what to do. I'm very happy. Sharelle & everyone I spoke to at the service we nothing short of amazing.
Miss Lily Barr
Brilliant and helpful
Sophie was brilliant and really friendly and helpful. Went through everything and made sure I understood what was going on. Also Jade friel from the previous call was really good. Both deserve a reward :)
Mr Andrew Ayre
Getting debt under control
Both Jade and Beth have helped me massively in getting my debt in control. They both made me feel reassured that I'm not alone
Miss Victoria Hodkinson
Helped ease my stress and anxiety.
Fully assisted throughout each step. Highly professional yet friendly . Non judgemental and understanding. I would Highly recommend this service to others .
Miss Cathie Mcwilliams
Excellent and non judgmental
Excellent advice given, no judgement from the staff which was a relief, they were all so helpful and did everything fir me which took a huge weight off my mind. Highly recommended
Ms Joanne Hardman
A really helpful service
I would highly recommend them a very helpful and professional service. I feel very relieved that I contacted them. I would always recommend them
Mr Eifion Davies
Efficient and Sympathetic
A really great service. My advisor was efficient and sympathetic. I feel like there is a light at the end of the tunnel.
Miss Thushani Weerasekera