Thousands of people become debt free with an IVA every year

Find out if you qualify to write off up to
80% of your debts

  • Debt write off up to 80%
  • Freeze your interest & charges
  • One affordable monthly payment
Get started
  • Debt write off up to 80%
  • Freeze your interest & charges
  • One affordable monthly payment

For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here.

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
Get Your Report

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 80% debt write off.

Get Debt Free

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.

3 Easy steps to start your debt free journey

3 Easy steps to start your debt free journey

step1 image step direction

Step 1

Answer a few online questions and talk to our expert advisors about how to become debt free.

step direction
step2 image step direction

Step 2

We’ll set everything up so you can start to make one affordable monthly payment.

step direction
step3 image

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 80% of your debts

Get Debt Free

Typical example of an IVA

These figures are based on the averages across all IVAs arranged for customers in 2017 with an average debt level of £33,080. Through the recommendation of an IVA their payments were made more affordable.

£717per month

Old monthly
payment

£540per month

Saving

£177
per month

New monthly
payment

68%of debt

Written off

IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. IVAs are not available in Scotland. Fees Payable.

What separates us from the rest

What separates us from the rest

  • Experience

    Over 15 years we’ve helped thousands of people
    get debt free

  • Highly rated

    On the independent review website Feefo, we are
    rated 4.9 out of 5 stars.

  • In it together

    You’ll get your own Relationship Manager dedicated
    to helping you through your IVA from start to finish.


Get Started
×

As a resident of Scotland, there are alternatives to get debt free