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Advice and support is also available at Money Helper.


WRITE OFF UP TO 81% OF DEBT YOU CAN'T AFFORD*


WE COULD HELP YOU:

 * Stop interest and charges
 * Write off debts over £7,000
 * Lower Monthly repayments

Check if you qualify
Safe, secure & confidential


To find out more about managing your money and getting free advice, visit Money
Helper, independent service set up to help people manage their money.


MAY NOT BE SUITABLE IN ALL CIRCUMSTANCES.
FEES AND DISADVANTAGES MAY APPLY, READ HERE.


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HOW WE CAN HELP YOU MANAGE YOUR DEBT


FILL OUT THE FORM

Just answer a few simple questions and help us understand how we can help you.


SPEAK TO AN ADVISOR

An experienced advisor will call your directly to find out more about you and
your circumstances


YOU DECIDE

The advisor will discuss the options for you, based on what you can afford, and
allow you to decide the best plan for you

Check if you qualify


MANAGE WHAT YOU OWE WITH DEBT HELP TAILORED TO YOUR NEEDS


WRITE OFF MOST TYPES OF DEBT, INCLUDING:

 * Credit Cards
 * Loans
 * Store cards

 * Lines of Credit
 * Overdraft
 * Business loans


We’ve helped over 185,000 people out of debt
Check if you qualify


HERE’S AN EXAMPLE OF HOW WE CAN HELP.

See how an IVA could help you with this simple example to consolidate all
unsecured debts into one smaller monthly payment and write off unaffordable
debt.


LET'S SAY YOU OWE..

Bank Loans

£5,366.00

Gas Bills

£129

Pay Day Loan

£1,989.00

Overdraft

£1,234.68

Debt Collection Agency

£380.16

Short Term Loan

£243.88

Council Debt

£1,009.24

Credit Card

£8,433.00

Total amount owed:

£19,256.57


AFTER AN IVA



Monthly payments are based on individual financial circumstances

Check if you qualify

Example case completed in 2023. Repayment calculated using income and
expenditure data. Monthly payments and write off percentages are based on
individual circumstances.


THEY DID IT, AND SO CAN YOU.

“I try to be responsible with my money, but sometimes that’s easier said than
done and a pay cheque doesn’t stretch throughout a whole month. I always thought
my debt was manageable, however, when the penny finally dropped and I got
advice, I realised I’d been living with stress I didn’t need to.”
Frank

Get help like Frank


“I was so embarrassed to admit I was living with debt but when I had to start
telling the kids they couldn’t get a new pair of trainers or go on a trip then I
knew I needed help. I’m not ashamed of my situation anymore and it’s a huge
relief.”
Sarah

Get help like Sarah


“No one wants to admit that they’re struggling to pay the bills – and I tried
for as long as I could to keep up appearances and ignore the problem. Asking for
help was tough, but when I did, I felt instantly at ease knowing my monthly
payments were reducing so drastically.”
James

Get help like James


“Debt can creep up on you – I got to the stage where I was missing experiences
like nights out with my friends and holidays with my family, because my debt
made me feel like I didn’t deserve it. It was soul destroying. Finding help has
not only helped me regain control but it’s given me back my focus."
Michelle


Get help like Michelle





REDUCE YOUR MONEY WORRIES

For many, living with money worries can become all consuming. If you feel like
you’re stressed about how you’re going to cover essential costs it’s important
to seek professional debt help. 

You can find a solution that could help you better manage your finances and help
you stop worrying about bailiffs knocking on the door.

Check if you qualify



FREQUENTLY ASKED QUESTIONS

What is an Individual Voluntary Arrangement (IVA)?

An IVA is a form of insolvency that allows you to write off unsecured debt and
is an alternative to bankruptcy. It is available to eligible customers in
England, Wales and Northern Ireland.

How does it work?

UK Debt Advice is a trading style of Carrington Dean Group Limited. The initial
fact-finding and advice call is free. That call will explore all possible debt
solutions applicable to the customer, whether these can be provided by
Carrington Dean Group Limited, Creditfix (which is part of the same group) or by
a third party. If the customer lives in England, Wales or Northern Ireland, an
IVA may be a suitable debt solution. An IVA will be provided by Creditfix and
fees will apply.

If the customer lives in Scotland, a PTD or DAS may be a suitable debt solution.
PTDs and DAS will be provided by Carrington Dean Group Limited and fees will
apply.

Is an IVA suitable for me?

An Individual Voluntary Arrangement (IVA) is a formal debt solution that creates
alegally binding agreement between you and the people you owe money to. You may
decide to enter an IVA if you’re struggling to repay the total amount of
unsecured debt you currently have but can repay some.

Can an IVA affect my credit rating?

Yes, an IVA will have an adverse effect on your credit rating. It will also show
on your credit report for six years after it has been approved.

Will entering an IVA affect my job?

In most cases entering an IVA won’t affect employment. However, in certain
professions, such as accountants and solicitors, having an IVA may mean that you
can no longer practice or you may only be able to practice under certain
conditions.

Can creditors still contact me when I'm in an IVA?

Once you enter an IVA, creditors can take no further action against you and
can’t contact you directly.

How can an IVA change my life?

An IVA can be a positive way to manage unaffordable unsecured debt and allow you
to better manage your monthly finances.

In an IVA a single monthly payment is agreed with your current financial
situationtaken into consideration – this payment is then divided between the
people you owe money to. During the course of your plan all interest and fees
associated with your debts are frozen.

At the end of the IVA the remaining debts are written off and you can begin your
debt-free future.

What are the advantages of an IVA?

It’s important to be aware of the advantages of an IVA when considering the best
debt solution for your circumstances, such as:

 * All creditors are bound by your IVA once approved.
 * Creditors can’t take legal action against you in an IVA.
 * Interest and charges on your debts are frozen by law.
 * All IVA payments are based on what you can afford.
 * Your IP will distribute payment to creditors on your behalf.
 * You may get a payment break if your situation changes.
 * You won’t have to sell your home in an IVA.

 

What are the disadvantages of an IVA?

When you’re considering entering an IVA, it’s important to be aware of the
following:

 * If you are a homeowner and your property has equity in it, you’ll need to try
   to re-mortgage which could result in an increased interest rate. If it’s not
   possible to remortgage there will be a 12 month extension to your
   arrangement. 
 * Your credit rating will be affected adversely.
 * Only the unsecured debts included in your IVA will be written off at the end
   of the agreement.
 * Your IVA will be recorded on a public register.
 * If your IVA fails you could be at risk of bankruptcy.
 * Your financial freedom might be restricted.
 * Your creditors need to agree to the IVA.

An advisor will ensure you’re aware of the advantages and disadvantages to help
you make an informed decision.
What fees apply?

There is no cost attached to an initial consultation, however, fees will apply
should you decide to enter into an arrangement. Fees are deducted from your
agreed monthly payments before distributions to your creditors and are not an
additional charge. These will be discussed by an expert advisor to make sure you
are fully aware of the costs involved.




IMPORTANT INFORMATION

Advisors will discuss all possible debt solutions available depending on where
you live in the UK. Advice is tailored to individual circumstances and can only
be offered following an initial fact-finding process. Third party fees may
apply. Free and impartial information also available at moneyhelper.org.uk. If
you choose to enter a solution that offers the opportunity to write off a
percentage of unsecured debts included, the percentage may vary. A debt write
off amount of between 25% and 75% is realistic, however, the debt write off
amount for each customer differs depending upon their individual financial
circumstances and is subject to the approval of their creditors. The example
provided has been achieved by 10% of IVA customers in the last 12 months.

ABOUT

UK Debt Advice is a trading style of Carrington Dean Group Limited.

COMPANY DETAILS

Carrington Dean Group Limited is authorised and registered by the Financial
Conduct Authority (FCA), registration number 674395. Registered in Scotland with
company number SC225672 at Regent House, 5th Floor, 76 Renfield Street, Glasgow,
G2 1NQ. Information Commissioner’s Office number ZA351745.

ADVICE PROVIDERS

If you live in Scotland:
Carrington Dean Group Limited
Company number: SC225672
Registered address: Regent House, 5th Floor, 76 Renfield Street, Glasgow, G2 1NQ
FCA number: 674395
ICO number: ZA351745

If you live in England, Wales or Northern Ireland:
UK Debt Expert Limited
Company number: SC382881
Registered address: Regent House, 5th Floor, 76 Renfield Street, Glasgow, G2 1NQ
FCA number: 688071
ICO number: ZB590053

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