Confidential Advice
Consolidate Debts
Lower Monthly Repayments

Expert advice. Zero judgement

Because you don't have to deal with debt alone

Safe, secure & confidential
TrustPilot 5 Stars **

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

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.

Approved to appear in the NPA’s Your Health Your Pharmacy initiative

What our customers are saying

We want to offer a fantastic service, so customer feedback is important to us.

Our 3 step process


Get Started

Answer a few questions to help us get to know you and your financial situation


Speak to an expert

Chat to a debt expert for personalised advice


Find a solution

The expert team will find the best solution for your circumstances

We can help with most types of unsecured debt, including:

Credit Cards
Store Cards
Lines of Credit
Business Debt

How a debt solution could help



Here’s an example of how we can help

We offer advice on all debt solutions available to you, including Individual Voluntary Arrangements (IVAs). Here’s an example of how this type of solution could work for you.

Let's say you owe..

Bank Loans


Gas Bills


Pay Day Loan




Debt Collection Agency


Short Term Loan


Council Debt


Credit Card


Total amount owed:


After an IVA

Monthly payments are based on individual financial circumstances

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

The advisors were very knowledgeable and very helpful.

Sara Bennett

Frequently Asked Questions

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.

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 The UK Debt Expert 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.

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.
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.
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.
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.

All of our initial 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.


Getting debt advice can be a positive way to manage what you owe. However, it’s important to be aware that while initial 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.

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