Taking the pain out of the whole debt management process (Online account planned for 2010)

Having debt or financial problems can have a major impact on your life.  We have streamlined our processes in such a way that you can apply for our Debt Management Plan without the hassle of having to go through call centres, web referrals or phone interviews.

Tracking the progress of a debt management plan in its early stages via a call centre or via the post  can also be stressful and time consuming on your part.  We have adapted and designed our online customer account in such a way that any changes to your account will immediately trigger an email, thus keeping you in the loop in almost real time.

1. The Application process

• You can apply for your debt management plan online.  It is a complete application and takes about 15 minutes
• You can call one of our debt advisors and they can help you complete it over the phone (9am - 5:00 pm).

2. Getting your debt plan started and negotiating your debt plan with your creditors

• Once we have received your paperwork back its passed to a dedicated case manager
• We immediately contact any priority creditors and start working out a plan
• We request up to date account balances from all your creditors and inform them of your current situation
• Once we obtain up to date balances, your account is updated and you are notified
• We create a pro-forma repayment plan for all your creditors
• Once your repayment plan is agreed, we schedule your 1st payment and your plan is live!

3. Managing your Debt Management Plan via your online customer account (planned for 2010)

• Track your payments and your overall debt balance
• Change any of your details (address etc)
• Update any change in circumstances
• Make overpayments into your account
• Notify us if you want to make underpayments
• Communicate with us in private via the web
• We constantly monitor your account and perform regular reviews to ensure we are always up to date

Have a look at a typical debt management applicant and an example debt plan

Visit our Debt management example page >>

Have a look at our debt management frequently asked questions for more detail

Visit our Debt management FAQ's >>

Feel free to call us on               0191 454 0226        for a confidential discussion or send us a quick email.