Debt Consolidation

If you have debts of over £3000 and are struggling to repay, we can help.

  • Reduce your debt by up to 75%
  • Low monthly payment as little as £80
  • No need to take out more loans
  • Stop interest and demands from lenders

Complete the form and we can see what help is available

The above statement is in relation to a debt consolidation solution and subject to specific criteria

Stop interest and demands. See if you qualify

Millions of people struggle with debt. You’re not alone, talk to us.

Reduce up to 75% of all debts*

Lower your repayments

No upfront charges to pay

Stop creditors harassing

Pay an affordable amount each month

Freeze interest rates and charges

The above statement is in relation to an IVA solution and subject to specific criteria

Check if you qualify

How much debt do you have?

Roughly how much unsecured debts do you currently have?

£5,000 - £10,000
£10,000 - £15,000
£15,000 - £20,000
£20,000 - £30,000

Whats your main type of debt?

Please just select your main debt type

Store cards
Credit cards
Car finance
Phone bills
Personal loans
Payday loans

Are you behind on payments?


How many debts do you have?

The number of different creditors do you have


What country do you live in?

Where about in the UK do you live

Northern Ireland

Congratulations, get your results!

We have a solution for you. Please enter your details and get your results.

Debt Consolidation

Debt consolidation involves transferring debts with higher interest rates into one loan with a lower interest rate.

To make this worthwhile, the interest rate of your consolidation loan should be at a lower rate than your current credit agreements. Thus enabling you to make a saving on monthly repayments. If your credit rating has already been affected then you may find it difficult to obtain further credit and therefore the loan may be difficult to obtain.

Sometimes the monthly repayments on the consolidation loan are lower because you are repaying them over a longer period which could mean that the overall cost of the loan could be quite high.

A debt consolidation loan could be for you if you have a number of debts that you wish to combine into a single loan with the goal of making a saving on your monthly repayments.

Advantages of Debt Consolidation

  • If you have a lot of borrowing with high interest rates paying high monthly repayments, this may reduce the monthly payment into one manageable sum
  • It could reduce the overall cost of borrowing
  • It could lower your monthly repayments
  • Instead of several monthly payments to different creditors, it will allow you to make one monthly payment

Disadvantages of Debt Consolidation

  • If you have a low credit rating, you may find it difficult to obtain new credit at a lower interest rate
  • You may have to pay it back over a longer period of time making it more expensive to pay off
  • The consolidation loan could carry a higher interest rate

Finding the right solution

Our new enquiries team we will be able to help you visualise your debt in a whole new light. The team are empathetic and supportive of all whom need support – and will not just help you to understand and gain confidence on your ability to clear debt, but will help you identify which solution best suits your personal circumstances.

We are experts in insolvency and help thousands of people every year write off the debt they can’t afford. Our talented team are on call for you.

Get help to start reducing your debt repayments

Check if you qualify