Answer a few questions to help us get to know you and your financial situation
Chat to a debt expert for personalised advice
The expert team will find the best solution for your circumstances
See how an IVA could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.
Pay Day Loan
Debt Collection Agency
Short Term Loan
Total amount owed:
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 advisers were very knowledgeable and very helpful.
An Individual Voluntary Arrangement (IVA) is a formal debt solution that creates a legally binding agreement between you and the people you owe money to. You may decide to enter an IVA if you’re struggling to repay the total amount of unsecured debt you currently have but can repay some.
It’s available to people who live in England, Wales and Northern Ireland.
The initial fact-finding and advice call is free and provided by The UK Debt Expert Limited. 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.
It’s important to be aware of the advantages of an IVA when considering the best debt solution for your circumstances, such as:
An advisor will talk through all the benefits of an IVA as well as other debt solutions with you to help you make an informed decision.
When you’re considering entering an IVA, it’s important to be aware of the following:
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.