We provide expert debt advice, helping people find a way out of debt and enabling them to take back control of their money and their lives. We are impartial and non-judgmental and our debt management companies are committed to finding practical and realistic long-term solutions that are right for every one of our clients.

We provide expert free debt advice and guidance – helping people to find a way out of debt and take back control of their money and their lives.

As a business we are impartial, non-judgmental and fully committed to finding the right practical and realistic long-term debt solution for every client, based on their unique personal and financial circumstances.

Our clients are advised on the full range of debt solutions available in the UK. Our group includes companies that can provide fee-free Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs) and Trust Deeds (for residents of Scotland). However, if another debt solution is more appropriate for our client’s needs, we will signpost them to a relevant alternative provider.

Unlike most other companies, we don’t charge our Debt Management Plan clients any fees – so 100% of their regular payments go towards repaying their debts. Instead, we are funded by donations from the credit industry in recognition of the support we provide to people throughout the UK who are struggling with debt.

Our debt advice business is accredited by the Money Advice Service (MAS), and our group companies are fully authorised and regulated by either the Financial Conduct Authority (FCA) or the Insolvency Practitioners Association (UK) as appropriate.

Ongoing investments in digital technology mean that our clients can manage their debt plan anytime – from anywhere – using PayPlan Plus, our dedicated online account management tool. For ultimate convenience and flexibility, PayPlan Plus is available either online, or via a free app.

We have strong partnerships with leading advice sector organisations and major employers, unions, banks, and other creditors. They refer clients to us, confident in the knowledge that we can be relied upon to provide the best possible free debt help and advice.

A few services you can benefit from are:

Income and expenditure budgeting services

Affordability support and guidance

Independent free to consumer advice

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Over 100,000



UK & European offices

£240 Million

Distributed Annually to Financial Institutions