Our Vision: We want to create a society free debt problem.

By raising awareness of all the issues regarding debt in the UK and building on the vital work that we have done over the past 20 years, we will help to overcome the major problems that debt can cause at this day and age.

Over the past two decades, our service has grown rapidly. From the introduction of debt management plans, to the pioneering use of cognitive behavioural therapy to help with debt-related stress in our Wellbeing tool, we have shown the quality of client care that sets up the standard.

We want to get recognised as the most trusted provider of free debt advice and solutions. We will continue to be the champions when it comes to debt advice and debt management.

The value of what we are capable of can never be underestimated. Problem debt cause major stress to individuals but the damage can go even further such as ruining homes, wrecking families and affecting the entire community. Our intervention has helped transform the lives of millions. And we are committed to helping many more.


What we can promise our clients: 


We work with clients to resolve their debt problems that they are facing. We make no judgement on the cause of debt problems and work with clients in a sympathetic and supportive manner.

We undertake a comprehensive examination of the client's financial position, discuss possible solutions and a course of action recommended.

When clients can afford to repay their debt in a reasonable period of time, we recommend a repayment solution. If it is not possible to do that, we will recommend an insolvency option where we support our clients with the administration of a long-term plan that will review the situation at least annually.

We provide our clients advice free of charge.

We communicate with our clients in a clear, honest, accurate, regular and timely manner.


Action Plan on Problem Debt: 

The consequences of debt - lost jobs, homes, broken relationships, mental health and support needs - the social costs pay up to £8.3 billion.

The Government has an opportunity to offer better help for those in debt to get back on their feet and contribute to the economy and to prevent the next generation from falling into the same trap.