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Debt Consolidation

Financial Advice

There are many ways to get out of debt. We have years of experience in offering solutions that are tailored to your particular needs. These solutions include a range of debt consolidation solutions, plus free advice on how to get you out of debt

This section will help you to understand the benefits of using a pension to save for your retirement, what type of pensions are available, how they work and how to start saving for your retirement.

Taking financial advice could be the most important thing you’ll ever do for yourself and your family. It can save you money, make you money, protect your finances, and most importantly, it can prepare you for whatever life has in store.

We are the UK’s number one credit report. Check yours now for free online, and see the information lenders see

My creditors say they haven't received payment from you?
If you are in informal debt solution client and we have received your monthly disposable income on the agreed date, your creditors will automatically receive payment from us each month. We will send you a statement listing each of your creditors and how much they have been paid. If a creditor tells you they have not been paid, you can refer back to this statement or if you are in any doubt please contact us.
A creditor telephones me repeatedly chasing payment?
Explain that Debt Free Me are acting on our behalf and will be making proposals for payment in due course. Get a name and telephone number from the creditor and contact us with it. We will then contact the creditor and update them on your case.
I need to open a new bank account?
You can open an account with any bank that you don't owe money to. You need to tell them that all you require is a basic bank account <http://www.fsa.gov.uk/consumer/pdfs/bank_account.pdf> that you can pay money into and set up direct debits or standing orders for bill payments. You do not require an overdraft or chequebook or cheque card but do need a cash card for ATM cash withdrawals.
I get a letter from a solicitor or debt-collecting agent chasing an outstanding debt?
If we already have contact details for the solicitor or debt collecting agent you do not need to send us the letter. If it is from someone saying that they have had the debt passed to them to deal with then you need to send it to us as soon as possible.
If we tell you that we have contacted a creditor we will have evidence of that contact both in document form and our record file that we have for you on our database. Some creditors may say that they have not heard from us in order to put pressure on you to make a payment to them. Simply get a contact name and telephone number from the creditor and we will contact them to confirm when and how we have contacted them.
I get a letter from a creditor that wants to call and see me at my home or asks me to visit their offices?
You do not have to agree to this. Simply inform us who the creditor is and we will contact them on your behalf and explain what your intentions are.
A creditor threatens to send a bailiff to my house?
Usually bailiffs can only become involved if you have stopped making payments after a County Court Judgement has been issued. Some creditors will mention bailiffs as a scare tactic to get you to make payment. If you are not sure what to do, please contact us.

I get a letter from a solicitor or debt-collecting agent chasing an outstanding debt?
If we already have contact details for the solicitor or debt collecting agent you do not need to send us the letter. If it is from someone saying that they have had the debt passed to them to deal with then you need to send it to us as soon as possible.
My creditors threaten to take me to court?
Creditors will only usually threaten court action if they have been unable to get any response from you regarding an outstanding debt. As a Debt Free Me client you can be sure that regular contact is maintained with your creditors informing them fully regarding what particular stage we have reached with your case and when they are likely to receive payment. This means that court action is unlikely.
I get a threatening letter from a creditor?
If we are already dealing with the particular creditor you do not need to send us the letter. However, if the content of the letter causes you concern, please do not hesitate in contacting us.
I have existing County Court Judgements registered against me?
You must continue to make payments as agreed with the court. We will make an allowance for any payments you make by including them in your regular expenditures. If you are a legal debt solution client entering into an I.V.A. or a Protected Trust Deed, once that arrangement is in place and not before, you will stop making payments. You will be told when this happens.