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1 forms found in the DOM

Name: Calculator Form — POST

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      <label for="form-field-debt" class="elementor-field-label"> What is your debt level? </label>
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          <option value="£10,000+">£10,000+</option>
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          <span class="elementor-button-text">Check if you qualify </span>
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Text Content

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from your use of their services.

YesNo
___


Help also available at MoneyHelper.


WRITE OFF UP TO 81% OF YOUR DEBT*


WRITE OFF UP TO 81% OF YOUR DEBT*


GOVERNMENT LEGISLATION CAN HELP YOU


GOVERNMENT LEGISLATION CAN HELP YOU

Write off unsecured debts over £7,000

Stop interest and charges soaring

Reduce monthly payments to an affordable amount

Check if you qualify
  Safe, secure & confidential
Check if You Qualify
Subject to terms & conditions
  Safe, secure & confidential


Help also available at MoneyHelper.

May not be suitable in all circumstances. Fees and disadvantages may apply, read
here.

Trustpilot


WRITE OFF DEBTS OVER £7,000


STOP INTEREST AND CHARGES SOARING


REDUCE MONTHLY PAYMENTS TO AN AFFORDABLE AMOUNT


OUR 3 STEP PROCESS


01


GET STARTED

Answer a few quick questions to check if you qualify to write off debt


02


SPEAK TO AN EXPERT

Chat to a debt expert for your personalised plan


03


LEAVE IT TO US

The team find a solution and be with you all the way


DEBT SOLUTION FINDER

Find out what your monthly repayments could be with the help of a debt solution.

What is your debt level?

£10,000+ £6,000-£10,000 £2,000-£6,000 Less than £2,000
How many people do you owe money to?

Less than 2 More than 2
What type of property do you live in?

Owned Rented Private Rented Living with Parents
Check if you qualify




HOW DOES IT WORK?

If you’re struggling with unaffordable debt you could be eligible to write off
part of what you owe. 

UK residents have a right to debt relief and there are a number of tried and
tested debt solutions that could help not only write off unsecured debt but
could also reduce pressure from creditors and freeze interest and charges on
included debt .

For example, an Individual Voluntary Arrangement offers the opportunity to write
off a percentage of debt included in the arrangement.

Check if you qualify


WRITE OFF MOST TYPES OF UNSECURED DEBT:

Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt


HOW DOES IT WORK?

If you’re struggling with unaffordable debt you could be eligible to write off
part of what you owe. UK residents have a right to debt relief and there are a
number of tried and tested debt solutions that could help not only write off
debt but could also reduce pressure from creditors and freeze interest and
charges.

An Individual Voluntary Arrangement offers the opportunity to write off a
percentage of unsecured debt included in the arrangement.

Check if you qualify


WRITE OFF MOST TYPES OF UNSECURED DEBT:

Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business 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 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.




FREQUENTLY ASKED QUESTIONS

Is an IVA suitable for me?

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

How does it work?

Your Debt Expert 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 you live 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 you live in Scotland, a Trust Deed or the Debt Arrangement Scheme may be a
suitable debt solution. Trust Deeds and DAS will be provided by Carrington Dean
Group Limited and fees will apply.

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 debt and allow you to better
manage your monthly finances.

In an IVA a single monthly payment is agreed with your current financial
situation taken 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 included in the arrangement are
written off.

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 or a 12 month
   extension to your arrangement if you can’t remortgage. 
 * 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 services do you offer?

We offer free debt advice tailored to your circumstances. We’ll find out more
about your current financial situation and your lifestyle to advise on the best
solution for you. 

What fees apply?

All of our initial advice is free; however, fees will apply should you decide to
enter into an arrangement.

We operate a transparent fixed fee model, which incorporates the Nominee Fee,
Supervisory Fee and all costs and expenses associated with the arrangement.

Fees will be taken from your monthly payment or asset realisations paid into
your arrangement.

These will be discussed by an expert advisor to make sure you are fully aware of
the costs involved.

What is the Insolvency Act 1986?

The Insolvency Act 1986 governs personal and corporate insolvency in the UK. The
act covers issues related to bankruptcy, Individual Voluntary Arrangements and
all administrative orders.

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


ABOUT YOUR DEBT EXPERT

Your Debt Expert is a trading style of Carrington Dean Group Limited.


COMPANY INFORMATION

Carrington Dean Group Limited is authorised and regulated by the Financial
Conduct Authority with firm reference number 674395. Registered in Scotland with
company number SC225672, ICO registration number ZA351745 and registered address
76 Renfield Street, Glasgow, Scotland, G2 1NQ


ACCREDITATIONS

David Rankin,  Katy Walker and Tracy Whittaker are authorised in the UK to act
as Insolvency Practitioners by the Insolvency Practitioners Association.

* 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.

** This Trustpilot account is for Creditfix Limited, the company that will
administer IVAs. Your Debt Expert is a trading style of Carrington Dean Group
Limited which is a member of the Creditfix Group.

The product (IVA) which we administer and process through the group with our in
house Insolvency Practitioners is covered under the following legislation: The
Insolvency Act of 1986 (amended by the Insolvency Act 2000 and the Enterprise
Act 2002) introduced a new procedure whereby a debtor could come to an
arrangement with his/her creditors to pay his/her debts in full or in part over
time as an alternative to bankruptcy.

Your debt help application will be processed by one of our expert debt advisors.
These in-house advisors will be able to go through all your debt options
including IVA (Individual Voluntary Arrangement) opportunities which are
available for people living in England, Wales and Northern Ireland. Help can
only be offered following an initial fact-finding process. If an individual
meets the required criteria for an IVA, advice can then be provided.

 * GDPR
 * Terms & Conditions
 * Privacy Policy
 * Fees
 * Complaints
 * Insolvency Service

 * GDPR
 * Terms & Conditions
 * Privacy Policy
 * Fees
 * Complaints
 * Insolvency Service