Debts We Can Help With

Debts other than from unsecured borrowing can be included in debt management or IVA proposal. Below is a list of debts that we can help with.
  • Unsecured loans
    Meaning, loans not secured on a property or subject to a hire purchase agreement. If you fail to make hire purchase payments, for example on a car, then the hire purchase company can repossess the goods.
  • Overdrafts
  • Credit Cards
  • Store Cards
  • Solicitors Fees
    Only if they are no longer acting on your behalf.
  • Vets, Doctors, Dentists, School Fees
    Only if no longer using the service.
  • Mortgage shortfall
    Not your current property, but one you sold for a loss or has been repossessed.
  • Hire Purchase shortfall for car
    Only if you no longer have vehicle or have had it repossessed or have voluntarily surrendered back to finance company.
  • Items on Hire Purchase in some circumstances.
    Only when the item has been returned and money is still owed, or it is impractical for the vendor to reclaim the item, for example a fitted carpet.
  • Department of Works and Pensions
    Overpaid council rent, benefits or social loan, Only if your no longer in receipt of benefits.
  • Private landlord rent
    Only if you are no longer living at the property.
  • Utility bills from previous address(s)
    Only if you have a new supplier. If you have same supplier at your new address you must come to a direct arrangement with the supplier.
  • Disconnected mobile phone bills
  • Business debts
    Only if the business is no longer trading.
  • Catalogue arrears
    If no longer using the service.
  • Shopacheck, Provident, Greenwoods
    Plus other doorstep lenders.

Depending upon personal circumstances, debts other than those stated above maybe be covered.

In short, any service that you are no longer using for which money is outstanding has the potential for inclusion in a debt management arrangement.

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Debt Management Case Study

Debt: £5,667
Old Payments: £225
New Payments: £140
Client had completed the fixed rate introduction period to his mortgage and has been hit by larger than expected interest rates. He has equity in the property, but opted for debt management as he does not want to remortgage nor take out a secured loan as this would increase the risk of repossession if he could not maintain those payments.
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