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 * Help with Debt
 * Why Us
 * Reviews
 * Contact Us


DEBT SOLUTIONS

 * Administration Order
 * Bankruptcy
 * Debt Arrangement Scheme
 * Debt Consolidation Loans
 * Debt Management Plan
 * Debt Relief Order (DRO)
 * Debt Settlement Offers
 * IVAs
 * Minimal Asset Process
 * Sequestration
 * Trust Deed


DEBT ADVICE

 * Debt Help & Advice
 * Benefits & Debt
 * How To Avoid Getting Into Debt
 * How To Deal With Debt
 * Debt Collection Agencies
 * Family & Joint Debt
 * Your Credit Score
 * Debt & Your Home
 * Bailiffs
 * CCJ's
 * Sheriff Officers (Scotland)
 * Inherited Debt
 * Breathing Space Scheme
 * Can I Write Off Debt?


TYPES OF DEBT

 * Business Debt
 * Council Tax Debt
 * Credit Card Debt
 * Gambling Debt
 * HMRC Debt
 * Payday Loan Debt
 * Secured Loan Debt
 * Student Loans Debt
 * Utility Bill Debt
 * Rent Arrears Debt
 * Mortgage Debt


LATEST ARTICLES

 * The Money Blog
 * Knowledge Hub


0800 118 4814

 * Debt Solutions
 * Debt Advice
 * Types of Debt
 * Latest Articles
 * Why Us
 * Reviews
 * Contact Us
 * 

 * Administration Order
 * Bankruptcy
 * Debt Arrangement Scheme
 * Debt Consolidation Loans
 * Debt Management Plan
 * Debt Relief Order (DRO)
 * Debt Settlement Offers
 * IVAs
 * Minimal Asset Process
 * Sequestration
 * Trust Deed

 * Debt Help & Advice
 * Benefits & Debt
 * How To Avoid Getting Into Debt
 * How To Deal With Debt
 * Debt Collection Agencies
 * Family & Joint Debt
 * Your Credit Score
 * Debt & Your Home
 * Bailiffs
 * CCJ's
 * Sheriff Officers (Scotland)
 * Inherited Debt
 * Breathing Space Scheme
 * Can I Write Off Debt?

 * Business Debt
 * Council Tax Debt
 * Credit Card Debt
 * Gambling Debt
 * HMRC Debt
 * Payday Loan Debt
 * Secured Loan Debt
 * Student Loans Debt
 * Utility Bill Debt
 * Rent Arrears Debt
 * Mortgage Debt

 * The Money Blog
 * Knowledge Hub


STRUGGLING WITH DEBT?

Our expert advice could help you:

 * Reduce debt to one affordable monthly payment
 * Freeze interest & charges on debts included in a solution
 * Prevent legal action by companies you owe money to

Get Free Debt Help

Help also available at MoneyHelper


MAY NOT BE SUITABLE FOR ALL. FEES AND DISADVANTAGES MAY APPLY DEPENDING ON
SOLUTION, READ HERE.

Help also available at MoneyHelper


OUR 3 STEP PROCESS


REVIEW

We’ll find out more about your current situation and finances.


RUN THROUGH

We’ll discuss all the solutions you could be eligible for.


RECOMMENDATION

We’ll advise on the best solution for your needs.

Get Free Debt Help


WE'RE RATED 5-STARS, HERE'S WHY

We’ve helped over 250,000 people find a way to deal with their debt

Was struggling to keep up

I was struggling to keep up with payments to my credit card and loan providers,
it was literally leaving me with pennies after paying the monthly payments.
After talking to this company it made my life so much easier and even left me
with a lot of extra money each month. 

Robin Lacy

The team is understanding, knowledgeable and willing to help

The team is understanding, knowledgeable and willing to help. I was in a total
state of confusion not knowing where to turn. With the challenges I was facing
at the time compared to now, I really can not thank you enough for your help.

Mr Camara

From stress to relief

Before the call I was so stressed, literally had nowhere to turn & wasn’t sure
if my situation could be resolved as I felt I was just stuck in a rut with
financial issues. Claire was fantastic, assured me she would do what she could
to help, throughout the whole call she kept reassuring me & made me feel so much
at ease. By the end of the call I felt so much relief & my financial stress was
over. 

Naheem Ali

Effortless personal experience

I spoke to Allison who was very helpful over the phone, she went through all of
my options available to me without any judgement at all which was nice. Very
personable phone manner and made the whole experience effortless. Very helpful.

Liam

The team are really supportive

The team are really supportive and helped me every step of the way, although I
hardly had to do anything anyway. They have kept in touch to check on me
regularly and make sure I am happy with everything and offered their support
throughout. Couldn’t recommend them enough for those who are in stressful
financial situations and need help.

Abbie

I spoke to Zahid

I spoke to Zahid and he explained everything to me , what options were available
and helped me decide what would be best for me, the whole process was simple and
straightforward and at an affordable monthly payment

 

Ruth Igiebor





DEBT ADVICE EXPLAINED IN
60 SECONDS

Get Free Debt Help

Get Free Debt Help


GET HELP WITH MOST TYPES OF DEBT, INCLUDING


CREDIT CARDS


LOANS


STORE CARDS


LINES OF CREDIT

£


OVERDRAFTS


BUSINESS DEBT


DEBT SOLUTIONS WE ADVISE ON

Individual Voluntary Arrangement (IVA)

An Individual Voluntary Arrangement (IVA) is a legally binding agreement that
could help you write off a percentage of your debt. Typically lasting between
five and six years, this solution may be an option if you owe more than £7,000
in debt.

Debt Management Plan (DMP)

A DMP is an informal solution that reduces your monthly payments towards your
debts. Your monthly payments will be based on what you can reasonably afford.
You may consider this solution if you’d like to repay your debt in full.

Debt Relief Order (DRO)

A DRO is a solution that could help people with a low-income manage their debt.
In 12-months you’ll clear the debt you’re unable to pay. You might choose a DRO
if you owe less than £30,000 and don’t have any savings or valuable items. 

Bankruptcy

Bankruptcy is a legally binding solution that allows people to clear all of the
debt they owe. It should always be a last resort. All debts will be included in
a bankruptcy, including mortgages, which means you’ll need to surrender your
home to the agreement.

Get Free Debt Help


“UK DEBT EXPERT WERE REALLY HELPFUL IN EXPLAINING ALL OPTIONS PROPERLY AND
THOROUGHLY.”

Daisy

Get Free Debt Help
Read more reviews


Daisy

Tarynn

Roberto

Steve




WHY CHOOSE
UK DEBT EXPERT

Get Free Debt Help

Free debt advice

that won’t affect your credit rating

We are rated 5 star by

more than 93%

on Trustpilot

We advise on all UK solutions

to help manage your debt

We’ve helped over

250,000

people with their debt


Get Free Debt Help


HOW DEBT ADVICE COULD HELP

 * Free no obligation consultation
 * Support tailored to your situation
 * Guidance on all your options
 * Sleep easier knowing help is available
 * Start working towards clearing your debt

Get Free Debt Help


TRUST UK DEBT EXPERT

When it comes to finance, you want advice you can trust. Here’s why you can be
confident we’ll help you find the best solution to deal with your debt.

12,700

people found our advice helpful

4,600

people would recommend or highly recommend us

2,600

people rated our customer service at least 4 out of 5

1,200

people said our experts were kind

1,000

People left a positive review calling out our advice

* Reviews for the Creditfix Group


FREQUENTLY ASKED QUESTIONS

Is a debt solution suitable for me?

If you’re struggling with unsecured debt, such as credit cards, loans or utility
bills, you may consider a debt solution to manage what you owe. It’s important
to be aware that there are many solutions available, each with its own
eligibility criteria.

Before making a decision on entering any solution, it’s important to seek
professional debt advice to find out more about each and ensure you choose the
most suitable and sustainable solution for your situation.

How does it work?

The fact-finding and advice call is free. That call will explore all possible
debt solutions applicable to you.

If you live in England, Wales and 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 a debt solution affect my credit rating?

When considering a debt solution it’s important to be aware it will likely
adversely affect your credit rating as it will show on your credit report for
six years after it has been approved.

However, it’s important to note your credit score will likely already have been
affected by being in debt in the first place.

Will entering a debt solution affect my job?

In most cases entering a debt solution won’t affect employment. However, in
certain professions, such as accountants and solicitors, having a formal
arrangement in place may mean that you can no longer practice or you may only be
able to practice under certain conditions. An advisor will be able to discuss
this in more detail.

How can a debt solution change my life?

Entering into a debt solution can be a positive way to manage your debt and
finances.

Many debt solutions offer the opportunity to combine several debt repayments
into one monthly payment, based on your affordability.

An advisor will discuss all considerations with you before you make the decision
to enter a solution.

What services do you offer?

We offer 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 advice is free; however, fees will apply should you decide to enter
into an arrangement.

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

Are there any disadvantages?

Getting debt advice can be a positive way to manage what you owe. However, it’s
important to be aware that while advice is free, fees may apply if you decide to
enter into a debt solution. Debt solutions are subject to eligibility criteria
and can negatively affect your credit rating.

The advantages and disadvantages for each solution can be found here.

An advisor will discuss all considerations with you in full to help you make an
informed decision on how you choose to proceed. 


ABOUT UK DEBT EXPERT

UK Debt Expert Limited is a UK based debt advice company.


COMPANY INFORMATION

UK Debt Expert Limited is registered in Scotland with company number, SC382881,
ICO registration number ZB590053 and registered address

5th Floor, Regent House, 76 Renfield St, Glasgow, G2 1NQ


ACCREDITATIONS

UK Debt Expert Limited is authorised and regulated by the Financial Conduct
Authority with firm reference number 688071. 

Your debt help application will be processed by one of our debt advisors. These
in-house advisors will go through all your possible options, including IVA
(Individual Voluntary Arrangement), DRO (Debt Relief Order), DMP (Debt
Management Plan) and bankruptcy, which are available for people living in
England, Wales and Northern Ireland. They’ll also discuss solutions available in
Scotland, including, a Protected Trust Deed, the Debt Arrangement Scheme,
Minimal Asset Process (MAP) and Sequestration. Help can only be offered
following an initial fact-finding process.

We’re authorised and regulated by the Financial Conduct Authority and as part of
the Creditfix Group, we’ve already helped over 250,000 people to resolve their
financial issues.

 

 * Privacy Policy
 * Terms & Conditions
 * Fees & Key Information
 * Complaints

 * Privacy Policy
 * Terms & Conditions
 * Fees & Key Information
 * Complaints




GET ADVICE FOR:

England
Northern Ireland
Scotland
Wales