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Debt Advice Claims

This service applies to:-
  1. credit card debt; and
  2. unsecured loan debt.
​Are you in a debt management plan, payment plan or settlement agreement (sometimes called a Tomlin Order)?  Are you considering entering one?  If so, STOP – we can help you. 

Why is there an expectation in the UK that people should be in debt all their lives?

We can help you get free of your debt or reduce it significantly without entering an IVA or making yourself bankrupt (like the heavily advertised solutions by other businesses).

If this service is of interest to you (whether you are in a debt payment plan already, or not) we sincerely believe that you will benefit from filling in this Contact Form.​

Contact Form

FAQs

Yes. We need to know the name of the card issuer or lender and the bank account from which you made payments.

Yes, absolutely. Some debt collectors have outrageous practices. We can help you address that. Send us what papers you have.


Information required by our regulator

FCA Handbook:  as we are authorised and regulated by the FCA, we must comply with the CMCOB Claims Management Sourcebook.

CMCOB 3.2.1:  We simply wish to talk to you to provide you with more information.  We therefore believe our messages in this website comply with the “fair, clear and not misleading” rule. 

CMCOB 3.2.6:  The type of claim we can help you with could be submitted to the FSCS.  We are not allowed to “suggest” to you that you “will have a more favourable outcome” if you use our services.  However, you are free to form your own opinion.

On this website, we have referred to open-source data from the FSCS’s website.  By comparing it to our confidential data, we know we are responsible for 80% of the mortgage claims paid out in 2024/25.  That is a factual statement.  It is not a suggestion or an opinion that you will have a “more favourable outcome” if you use our services.

Our interpretation of CMCOB 3.2.6 is that it is not intended by the FCA to prevent consumers from having access to fact.  It is designed to stop firms making groundless claims.  We whole-heartedly support that aim.

CMCOB 3.2.7:  To satisfy this rule, we state that you are “not required” to use our services.  It is possible for you to present your claim to the FSCS yourself, without paying any fees.

However, it is only fair that you know that the FSCS has sought to impose “rules” since 2024 which include deadlines to limit (1) the evidence put forward and/or (2) the ability to ask for a review.  You might conclude that these rules could prejudice the outcome of your claim.  We must not make any such suggestion.

CMCOB 3.2.9:  on this website we stated that our services are supplied on a “no-win, no-fee”.  We are therefore also required to state that:-

    1. the fee you will pay depends upon the compensation you receive and is controlled by the FCA’s Fee Capping Rules; and
    2. if you terminate our retainer after we have embarked upon your claim, we will charge you a termination fee which is a reasonable fee and reflects our lost opportunity to receive the whole agreed fee.