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Welcome to Valour Financial Management

At Valour Financial Managment we can provide you with expert debt help and advice. We have currently frozen interest and late payment charges for thousands of happy clients and drastically reduced their monthly debt repayments. We welcome you to contact us for no obligation debt help and advice.

Monthly Debt Repayment Calculator

Find out how much you could save every month with our simple sliders - tell us how much debt you're in and we'll tell you what you could be repaying!

How much unsecured debt do you owe? £20,000

How many creditors do you owe this money to? 5

Use our sliders to calculate how much new monthly repayment could be.

Debt Management FAQs

What are the advantages of Debt Management?

  • Your monthly repayments will be reduced
  • You may be able to freeze interest on your debts
  • You may be able to vary your payments if your circumstances change
  • You make a single monthly repayment which is distributed to your creditors by the Debt Management Company
  • Creditors may be prepared to write off the balance after a period of time if you have made every effort to repay as much as you can and you have maintained regular repayments to the Debt Management Company

What are the disadvantages of Debt Management

  • You may be paying your debts off for a longer period of time, however if creditors freeze interest and late charges you will normally become debt free sooner
  • Creditors may not always accept reduced repayment proposals or freeze interest however at Valour we have an excellent success rate
  • Your credit rating will be affected in the short to medium term, and credit reference agencies will maintain this information for 6 years
  • You remain liable for the debts until they are repaid in full
  • Creditors may continue to pursue collections actions including the possibility of default notices
  • Some other solutions may be more suited for you such as Bankruptcy or an IVA or even a consolidation loan. We recommend you contact us to discuss all of your options with a skilled member of our team.

What is Debt Management?

Debt Management may help you deal with your finances more effectively by consolidating your existing credit commitments into one affordable monthly payment. We will deal with your creditors on your behalf and negotiate new monthly repayment amounts that you can comfortably afford.

We will prepare a detailed financial statement on your behalf to show your creditors that the offer of repayment is the most you can reasonably afford each month, all offers are calculated on a pro-rata basis so each creditor receives a fair and even proportion of the payment available. Although creditors may not always freeze interest and late charges they will usually accept our reduced payment offer.

Wherever possible we will negotiate that your creditors stop all additional charges and freeze interest.

You will make one single smaller monthly repayment to us and we will distribute the reduced repayments to your creditors on your behalf. You will be allocated your own dedicated Client Finance Manager who will oversee all aspects of your account and also be provided with access to you own client portal. This is similar to online banking where you can log on and make a payment, check your latest statement and liaise with your Client Finance Manager.

Can you deal with all my creditors?

We manage debts with hundreds of different creditors. Getting Hassle from a creditor? Type their name below to check if we have can freeze interest and late payment charges with them. Please note we cannot guarantee creditors will stop collections process and freeze interest and charges.

Search for a company:

Barclaycard tick 19,518
happy customers are using us to manage their debt with this creditor
Capital One tick 14,115
happy customers are using us to manage their debt with this creditor
Lloyds TSB Bank tick 13,653
happy customers are using us to manage their debt with this creditor
Wonga tick 9,680
happy customers are using us to manage their debt with this creditor
Natwest tick 8,914
happy customers are using us to manage their debt with this creditor
Moorcroft tick 8,523
happy customers are using us to manage their debt with this creditor
RMA Resolve tick 7,823
happy customers are using us to manage their debt with this creditor
Halifax tick 6,811
happy customers are using us to manage their debt with this creditor
QuickQuid tick 6,604
happy customers are using us to manage their debt with this creditor
Royal Bank of Scotland tick 6,085
happy customers are using us to manage their debt with this creditor
Vanquis tick 5,531
happy customers are using us to manage their debt with this creditor
HSBC Bank tick 5,176
happy customers are using us to manage their debt with this creditor
Lending Stream tick 4,920
happy customers are using us to manage their debt with this creditor
Payday UK tick 4,893
happy customers are using us to manage their debt with this creditor
NCO Europe Ltd tick 4,740
happy customers are using us to manage their debt with this creditor
Lowell Financial tick 4,696
happy customers are using us to manage their debt with this creditor
MBNA tick 4,561
happy customers are using us to manage their debt with this creditor
Wescot Credit Services tick 4,465
happy customers are using us to manage their debt with this creditor
Barclays Bank tick 4,101
happy customers are using us to manage their debt with this creditor
Blair Oliver & Scott tick 4,077
happy customers are using us to manage their debt with this creditor
Santander tick 3,982
happy customers are using us to manage their debt with this creditor
Next tick 3,788
happy customers are using us to manage their debt with this creditor
Pounds To Pocket tick 3,643
happy customers are using us to manage their debt with this creditor
Capquest tick 3,387
happy customers are using us to manage their debt with this creditor
Provident tick 3,295
happy customers are using us to manage their debt with this creditor
Argos tick 3,282
happy customers are using us to manage their debt with this creditor
Payday Express tick 3,174
happy customers are using us to manage their debt with this creditor
Metropolitan Collections Services tick 2,767
happy customers are using us to manage their debt with this creditor
Creation Consumer Finance tick 2,696
happy customers are using us to manage their debt with this creditor
Cabot Financial tick 2,635
happy customers are using us to manage their debt with this creditor
CK Edrupt & Co tick 2,329
happy customers are using us to manage their debt with this creditor
Littlewoods tick 2,282
happy customers are using us to manage their debt with this creditor
Idem Servicing tick 2,188
happy customers are using us to manage their debt with this creditor
Link Financial tick 2,187
happy customers are using us to manage their debt with this creditor
BLS Collections tick 2,150
happy customers are using us to manage their debt with this creditor
WageDayAdvance tick 2,112
happy customers are using us to manage their debt with this creditor
Robinson Way & Co tick 2,083
happy customers are using us to manage their debt with this creditor
Virgin Money tick 2,006
happy customers are using us to manage their debt with this creditor
APEX Credit Management tick 1,999
happy customers are using us to manage their debt with this creditor
Aktiv Kapital tick 1,972
happy customers are using us to manage their debt with this creditor
Aqua Card Services tick 1,971
happy customers are using us to manage their debt with this creditor
CDCS Central Debt Collection Services tick 1,892
happy customers are using us to manage their debt with this creditor
Fredrickson International tick 1,879
happy customers are using us to manage their debt with this creditor
Nationwide tick 1,859
happy customers are using us to manage their debt with this creditor
Reliable Collections tick 1,831
happy customers are using us to manage their debt with this creditor
Studio Cards & Gifts tick 1,768
happy customers are using us to manage their debt with this creditor
Money Shop tick 1,764
happy customers are using us to manage their debt with this creditor
Welcome Finance tick 1,740
happy customers are using us to manage their debt with this creditor
Abbey tick 1,711
happy customers are using us to manage their debt with this creditor
Mr Lender tick 1,672
happy customers are using us to manage their debt with this creditor
Buchanan Clark & Wells tick 1,563
happy customers are using us to manage their debt with this creditor
Swift Sterling tick 1,398
happy customers are using us to manage their debt with this creditor
Bank of Scotland tick 1,344
happy customers are using us to manage their debt with this creditor
1st Credit Limited tick 1,300
happy customers are using us to manage their debt with this creditor
KPR Collections tick 1,297
happy customers are using us to manage their debt with this creditor
Direct Legal & Collections tick 1,283
happy customers are using us to manage their debt with this creditor
Mackenzie Hall tick 1,276
happy customers are using us to manage their debt with this creditor
HFC Bank tick 1,237
happy customers are using us to manage their debt with this creditor
Allied International Credit tick 1,217
happy customers are using us to manage their debt with this creditor
Tesco tick 1,171
happy customers are using us to manage their debt with this creditor
Blackhorse tick 1,103
happy customers are using us to manage their debt with this creditor
Barclays Partner Finance tick 1,090
happy customers are using us to manage their debt with this creditor
Claim People tick 1,086
happy customers are using us to manage their debt with this creditor
Egg tick 1,083
happy customers are using us to manage their debt with this creditor
TxtLoan tick 1,066
happy customers are using us to manage their debt with this creditor
EOS Solutions tick 1,053
happy customers are using us to manage their debt with this creditor
Debenhams tick 1,046
happy customers are using us to manage their debt with this creditor
M & S Money tick 991
happy customers are using us to manage their debt with this creditor
Debt Managers Limited tick 960
happy customers are using us to manage their debt with this creditor
iQor Recovery Services tick 936
happy customers are using us to manage their debt with this creditor
Cash Genie tick 899
happy customers are using us to manage their debt with this creditor
Marlin Financial Services tick 804
happy customers are using us to manage their debt with this creditor
Co-op Bank tick 790
happy customers are using us to manage their debt with this creditor
Alliance & Leicester tick 763
happy customers are using us to manage their debt with this creditor
Everyday Loans tick 763
happy customers are using us to manage their debt with this creditor
Orange tick 761
happy customers are using us to manage their debt with this creditor
Triton Credit Services tick 752
happy customers are using us to manage their debt with this creditor
Credit Solutions tick 740
happy customers are using us to manage their debt with this creditor
Simply Be tick 710
happy customers are using us to manage their debt with this creditor
Lowell Portfolio tick 659
happy customers are using us to manage their debt with this creditor
Lewis Debt Recovery tick 650
happy customers are using us to manage their debt with this creditor
New Look tick 650
happy customers are using us to manage their debt with this creditor
Motormile Finance UK Ltd tick 639
happy customers are using us to manage their debt with this creditor
Clarity tick 638
happy customers are using us to manage their debt with this creditor
Dorothy Perkins tick 614
happy customers are using us to manage their debt with this creditor
Cheque Centre Group Ltd tick 612
happy customers are using us to manage their debt with this creditor
Shopacheck tick 609
happy customers are using us to manage their debt with this creditor
24/7 Moneybox tick 591
happy customers are using us to manage their debt with this creditor
Vodafone tick 591
happy customers are using us to manage their debt with this creditor
Nationwide Debt Recovery tick 553
happy customers are using us to manage their debt with this creditor
Northern Rock tick 549
happy customers are using us to manage their debt with this creditor
Sainsbury's Bank tick 549
happy customers are using us to manage their debt with this creditor
Asda tick 537
happy customers are using us to manage their debt with this creditor
Greenwoods Personal Credit tick 531
happy customers are using us to manage their debt with this creditor
Bryan Carter & Co Solicitors tick 529
happy customers are using us to manage their debt with this creditor
ARC Europe tick 505
happy customers are using us to manage their debt with this creditor
JD Williams & Company Limited tick 501
happy customers are using us to manage their debt with this creditor
CL Finance tick 479
happy customers are using us to manage their debt with this creditor
Peachy Payday tick 472
happy customers are using us to manage their debt with this creditor
Very tick 470
happy customers are using us to manage their debt with this creditor
C.A.R.S tick 459
happy customers are using us to manage their debt with this creditor
Fairfax Solicitors tick 454
happy customers are using us to manage their debt with this creditor
Hitachi Capital Consumer Finance tick 447
happy customers are using us to manage their debt with this creditor
O2 tick 432
happy customers are using us to manage their debt with this creditor
Equidebt Ltd tick 428
happy customers are using us to manage their debt with this creditor
Yorkshire Bank tick 419
happy customers are using us to manage their debt with this creditor
Howard Cohen & Co tick 412
happy customers are using us to manage their debt with this creditor
Beneficial tick 390
happy customers are using us to manage their debt with this creditor
Pounds Til Payday tick 384
happy customers are using us to manage their debt with this creditor
Additions Direct tick 381
happy customers are using us to manage their debt with this creditor
Comet tick 372
happy customers are using us to manage their debt with this creditor
Marks & Spencer tick 365
happy customers are using us to manage their debt with this creditor
Opus Card Services tick 360
happy customers are using us to manage their debt with this creditor
Post Office tick 353
happy customers are using us to manage their debt with this creditor
Freemans tick 350
happy customers are using us to manage their debt with this creditor
Monument tick 344
happy customers are using us to manage their debt with this creditor
Topshop tick 343
happy customers are using us to manage their debt with this creditor
Fashion World tick 338
happy customers are using us to manage their debt with this creditor
Citi Financial tick 326
happy customers are using us to manage their debt with this creditor
British Telecom tick 325
happy customers are using us to manage their debt with this creditor
Advantis Credit tick 323
happy customers are using us to manage their debt with this creditor
Credit Security tick 316
happy customers are using us to manage their debt with this creditor
Scotcall Debt Collecting Services tick 312
happy customers are using us to manage their debt with this creditor
Burton tick 308
happy customers are using us to manage their debt with this creditor
S.R.J Recoveries Ltd tick 306
happy customers are using us to manage their debt with this creditor
Credit Resource Solutions tick 303
happy customers are using us to manage their debt with this creditor
Red Castle Recoveries tick 297
happy customers are using us to manage their debt with this creditor
First Direct tick 296
happy customers are using us to manage their debt with this creditor
Northern Debt Recovery tick 296
happy customers are using us to manage their debt with this creditor
Ace Gifts & Cards tick 292
happy customers are using us to manage their debt with this creditor
Droyds Debt & Collection Services tick 292
happy customers are using us to manage their debt with this creditor
Evans tick 287
happy customers are using us to manage their debt with this creditor
Hutchison 3G UK Ltd tick 285
happy customers are using us to manage their debt with this creditor
Kays tick 285
happy customers are using us to manage their debt with this creditor
Great Universal Catalogue tick 283
happy customers are using us to manage their debt with this creditor
British Gas tick 279
happy customers are using us to manage their debt with this creditor
T-Mobile tick 279
happy customers are using us to manage their debt with this creditor
Clydesdale Bank tick 274
happy customers are using us to manage their debt with this creditor
Sky Television tick 260
happy customers are using us to manage their debt with this creditor
1 Month Loan tick 258
happy customers are using us to manage their debt with this creditor
John Lewis tick 258
happy customers are using us to manage their debt with this creditor
House of Fraser tick 255
happy customers are using us to manage their debt with this creditor
Speedy Cash tick 247
happy customers are using us to manage their debt with this creditor
Uncle Buck tick 242
happy customers are using us to manage their debt with this creditor
Past Due Credit Solutions tick 234
happy customers are using us to manage their debt with this creditor
BHS tick 232
happy customers are using us to manage their debt with this creditor
Collect Direct tick 231
happy customers are using us to manage their debt with this creditor
Roxburghe Debt Collectors tick 231
happy customers are using us to manage their debt with this creditor
Keyes Whitlock & Company tick 228
happy customers are using us to manage their debt with this creditor
Npower tick 228
happy customers are using us to manage their debt with this creditor
DG Solicitors tick 225
happy customers are using us to manage their debt with this creditor
Ulster Bank tick 222
happy customers are using us to manage their debt with this creditor
Carter Forbes Collections tick 220
happy customers are using us to manage their debt with this creditor
Drydens Solicitors tick 212
happy customers are using us to manage their debt with this creditor
Department for Work and Pensions tick 211
happy customers are using us to manage their debt with this creditor
Cahoot tick 206
happy customers are using us to manage their debt with this creditor
Cash Converters tick 205
happy customers are using us to manage their debt with this creditor
Virgin Media tick 204
happy customers are using us to manage their debt with this creditor
Jacamo tick 202
happy customers are using us to manage their debt with this creditor
Marisota tick 202
happy customers are using us to manage their debt with this creditor
RMA Risk Management Alternatives tick 201
happy customers are using us to manage their debt with this creditor
Restons Solicitors tick 199
happy customers are using us to manage their debt with this creditor
Opos tick 198
happy customers are using us to manage their debt with this creditor
Shoosmiths Solicitors tick 196
happy customers are using us to manage their debt with this creditor
AA Financial Services tick 195
happy customers are using us to manage their debt with this creditor
Mini Credit tick 192
happy customers are using us to manage their debt with this creditor
Marbles tick 189
happy customers are using us to manage their debt with this creditor
G E Money tick 188
happy customers are using us to manage their debt with this creditor
Choice tick 181
happy customers are using us to manage their debt with this creditor
Southern Electric tick 179
happy customers are using us to manage their debt with this creditor
Regal Credit Consultants Ltd tick 178
happy customers are using us to manage their debt with this creditor
Express Finance tick 177
happy customers are using us to manage their debt with this creditor
Shop Mastercard Customer Services tick 173
happy customers are using us to manage their debt with this creditor
MEM Consumer Finance tick 172
happy customers are using us to manage their debt with this creditor
Grattan tick 171
happy customers are using us to manage their debt with this creditor
River Island tick 167
happy customers are using us to manage their debt with this creditor
Marshall Ward tick 158
happy customers are using us to manage their debt with this creditor
Style Financial Services Ltd tick 158
happy customers are using us to manage their debt with this creditor
Thomas Cook Credit Card tick 158
happy customers are using us to manage their debt with this creditor
Moorgate Loan Services tick 157
happy customers are using us to manage their debt with this creditor
E-ON tick 156
happy customers are using us to manage their debt with this creditor
Rockwell Debt Collection Agency tick 156
happy customers are using us to manage their debt with this creditor
Ambrose Wilson Catalogue tick 153
happy customers are using us to manage their debt with this creditor
LoansatHome4U tick 153
happy customers are using us to manage their debt with this creditor
Arrow Global tick 148
happy customers are using us to manage their debt with this creditor
Gothia tick 148
happy customers are using us to manage their debt with this creditor
Lewis Group tick 147
happy customers are using us to manage their debt with this creditor
FLM tick 146
happy customers are using us to manage their debt with this creditor
Empire Stores tick 144
happy customers are using us to manage their debt with this creditor
MKDP LLP tick 141
happy customers are using us to manage their debt with this creditor
Outfit tick 139
happy customers are using us to manage their debt with this creditor
BPO Collections tick 137
happy customers are using us to manage their debt with this creditor
Mutual Clothing & Supply Co Ltd tick 137
happy customers are using us to manage their debt with this creditor
Debt & Revenue Services tick 134
happy customers are using us to manage their debt with this creditor
Mothercare tick 133
happy customers are using us to manage their debt with this creditor
1st Stop Payday tick 130
happy customers are using us to manage their debt with this creditor
Moneyway tick 130
happy customers are using us to manage their debt with this creditor
Paypal tick 130
happy customers are using us to manage their debt with this creditor
Bank of Ireland tick 128
happy customers are using us to manage their debt with this creditor
HL Legal & Collections tick 128
happy customers are using us to manage their debt with this creditor
Connaught Collections UK tick 125
happy customers are using us to manage their debt with this creditor
CCS Collect tick 124
happy customers are using us to manage their debt with this creditor
HM Revenue & Customs tick 124
happy customers are using us to manage their debt with this creditor
Liquid Advance tick 124
happy customers are using us to manage their debt with this creditor
Marshall Hoares Bailifs & Enforcement Agents tick 124
happy customers are using us to manage their debt with this creditor
Mint tick 124
happy customers are using us to manage their debt with this creditor
Ruthbridge Limited tick 123
happy customers are using us to manage their debt with this creditor
Severn Trent Water tick 121
happy customers are using us to manage their debt with this creditor
La Redoute tick 120
happy customers are using us to manage their debt with this creditor
Zopa tick 117
happy customers are using us to manage their debt with this creditor
Castlebridge Credit Management tick 116
happy customers are using us to manage their debt with this creditor
Loans At Home tick 113
happy customers are using us to manage their debt with this creditor
Rossendales tick 113
happy customers are using us to manage their debt with this creditor
Avon Cosmetics tick 112
happy customers are using us to manage their debt with this creditor
Chantry Collections Limited tick 111
happy customers are using us to manage their debt with this creditor
Fenton Cooper tick 110
happy customers are using us to manage their debt with this creditor
Early Payday Loan tick 108
happy customers are using us to manage their debt with this creditor
SkyCard Payments tick 108
happy customers are using us to manage their debt with this creditor
Toothfairy Finance tick 108
happy customers are using us to manage their debt with this creditor
H & M tick 107
happy customers are using us to manage their debt with this creditor
Hamptons Legal tick 107
happy customers are using us to manage their debt with this creditor
Brecon Debt Recovery tick 106
happy customers are using us to manage their debt with this creditor
Talk Talk tick 105
happy customers are using us to manage their debt with this creditor
Speed Loans Finance Limited tick 104
happy customers are using us to manage their debt with this creditor
Optima Legal tick 103
happy customers are using us to manage their debt with this creditor
Scottish Power tick 103
happy customers are using us to manage their debt with this creditor
H & T Pawnbrokers tick 102
happy customers are using us to manage their debt with this creditor
Edge tick 101
happy customers are using us to manage their debt with this creditor
Irwin Mitchell tick 100
happy customers are using us to manage their debt with this creditor
United Utilities tick 100
happy customers are using us to manage their debt with this creditor
Commercial Collection Services tick 97
happy customers are using us to manage their debt with this creditor
Money In Advance tick 97
happy customers are using us to manage their debt with this creditor
London Scottish tick 96
happy customers are using us to manage their debt with this creditor
Premier Man tick 95
happy customers are using us to manage their debt with this creditor
Geoffrey Parker Bourne tick 93
happy customers are using us to manage their debt with this creditor
RED Debt Collection Services tick 93
happy customers are using us to manage their debt with this creditor
BT Credit Card tick 92
happy customers are using us to manage their debt with this creditor
JB Debt Recovery tick 92
happy customers are using us to manage their debt with this creditor
American Express tick 91
happy customers are using us to manage their debt with this creditor
Sigma Red Limited tick 91
happy customers are using us to manage their debt with this creditor
Valour Loans tick 90
happy customers are using us to manage their debt with this creditor
Anglian Water tick 89
happy customers are using us to manage their debt with this creditor
Student Loans Company Limited tick 87
happy customers are using us to manage their debt with this creditor
S C Gray Solicitors Ltd tick 85
happy customers are using us to manage their debt with this creditor
Central Debt Recovery Unit tick 84
happy customers are using us to manage their debt with this creditor
Yorkshire Water tick 84
happy customers are using us to manage their debt with this creditor
DFS tick 83
happy customers are using us to manage their debt with this creditor
Incasso Solicitors LLP tick 82
happy customers are using us to manage their debt with this creditor
Naturally Close tick 81
happy customers are using us to manage their debt with this creditor
Oakam tick 81
happy customers are using us to manage their debt with this creditor
Arden Credit Management tick 80
happy customers are using us to manage their debt with this creditor
Intrum Justitia tick 80
happy customers are using us to manage their debt with this creditor
Quid Market tick 80
happy customers are using us to manage their debt with this creditor
Fifty Plus tick 79
happy customers are using us to manage their debt with this creditor
Lombard tick 76
happy customers are using us to manage their debt with this creditor
Payday Loan Co tick 76
happy customers are using us to manage their debt with this creditor
Southern Water tick 76
happy customers are using us to manage their debt with this creditor
The Brilliant Gift Shop tick 76
happy customers are using us to manage their debt with this creditor
Chelmer Collections tick 75
happy customers are using us to manage their debt with this creditor
Direct Line tick 75
happy customers are using us to manage their debt with this creditor
SCM Sechiari Clark & Mitchell tick 75
happy customers are using us to manage their debt with this creditor
British Credit Trust tick 74
happy customers are using us to manage their debt with this creditor
Empingham Resolution & Negotiation tick 74
happy customers are using us to manage their debt with this creditor
Capital Bank tick 73
happy customers are using us to manage their debt with this creditor
Northern Bank tick 73
happy customers are using us to manage their debt with this creditor
Safe Loans tick 73
happy customers are using us to manage their debt with this creditor
Zinc Recoveries tick 71
happy customers are using us to manage their debt with this creditor
Transcom tick 69
happy customers are using us to manage their debt with this creditor
Cash Choice tick 68
happy customers are using us to manage their debt with this creditor
Goldfish tick 68
happy customers are using us to manage their debt with this creditor
Monkey Dosh tick 68
happy customers are using us to manage their debt with this creditor
Global Debt Recovery tick 67
happy customers are using us to manage their debt with this creditor
Speed Credit tick 67
happy customers are using us to manage their debt with this creditor
Virgin Mobile tick 67
happy customers are using us to manage their debt with this creditor
West Midlands Debt Collections Ltd tick 67
happy customers are using us to manage their debt with this creditor
Weightmans LLP tick 65
happy customers are using us to manage their debt with this creditor
Thames Water tick 63
happy customers are using us to manage their debt with this creditor
Commercial Credit Services tick 62
happy customers are using us to manage their debt with this creditor
Debt Collection & Security tick 62
happy customers are using us to manage their debt with this creditor
M H A Collections tick 62
happy customers are using us to manage their debt with this creditor
Wallis tick 62
happy customers are using us to manage their debt with this creditor
Morgan Stanley Dean Witter tick 61
happy customers are using us to manage their debt with this creditor
Mortimer Clarke Solicitors tick 60
happy customers are using us to manage their debt with this creditor
Network Credit Services tick 60
happy customers are using us to manage their debt with this creditor
Simply Yours tick 60
happy customers are using us to manage their debt with this creditor
Admiral Insurance tick 59
happy customers are using us to manage their debt with this creditor
First Trust Bank tick 58
happy customers are using us to manage their debt with this creditor
LCS Civil Enforcement tick 58
happy customers are using us to manage their debt with this creditor
Swalec tick 58
happy customers are using us to manage their debt with this creditor
RSM Tenon Recovery tick 57
happy customers are using us to manage their debt with this creditor
Close Finance tick 55
happy customers are using us to manage their debt with this creditor
Newman & Co tick 55
happy customers are using us to manage their debt with this creditor
Dell Financial Services tick 54
happy customers are using us to manage their debt with this creditor
Security Investigations tick 53
happy customers are using us to manage their debt with this creditor
Credit Union tick 52
happy customers are using us to manage their debt with this creditor
IKEA Home tick 52
happy customers are using us to manage their debt with this creditor
1st Stop Finance tick 51
happy customers are using us to manage their debt with this creditor
Naylors Finance Ltd tick 50
happy customers are using us to manage their debt with this creditor
Oxendales tick 50
happy customers are using us to manage their debt with this creditor
TBI Financial Services Ltd tick 50
happy customers are using us to manage their debt with this creditor
Tower Capital tick 50
happy customers are using us to manage their debt with this creditor
Wesleyan Bank tick 50
happy customers are using us to manage their debt with this creditor
DWF LLP tick 49
happy customers are using us to manage their debt with this creditor
EDF Energy tick 49
happy customers are using us to manage their debt with this creditor
KDS Finance Limited tick 49
happy customers are using us to manage their debt with this creditor
Warehouse tick 49
happy customers are using us to manage their debt with this creditor
Wessex Water tick 48
happy customers are using us to manage their debt with this creditor
Central Recoveries tick 47
happy customers are using us to manage their debt with this creditor
HFO Services tick 47
happy customers are using us to manage their debt with this creditor
Impact Collection Services tick 47
happy customers are using us to manage their debt with this creditor
Morses Club tick 47
happy customers are using us to manage their debt with this creditor
Priority Club Rewards tick 46
happy customers are using us to manage their debt with this creditor
Cougar Financial Services tick 45
happy customers are using us to manage their debt with this creditor
Monsoon tick 45
happy customers are using us to manage their debt with this creditor
Shapely Figures tick 45
happy customers are using us to manage their debt with this creditor
VivaLaDiva.com tick 45
happy customers are using us to manage their debt with this creditor
Horwich Farrelly Solicitors tick 44
happy customers are using us to manage their debt with this creditor
Addlestone Keane Solicitors tick 43
happy customers are using us to manage their debt with this creditor
Cash Generator tick 43
happy customers are using us to manage their debt with this creditor
South West Water tick 43
happy customers are using us to manage their debt with this creditor
Capital Resolve tick 41
happy customers are using us to manage their debt with this creditor
Collections Direct tick 41
happy customers are using us to manage their debt with this creditor
Kwik Fit Insurance tick 41
happy customers are using us to manage their debt with this creditor
Laura Ashley tick 41
happy customers are using us to manage their debt with this creditor
Daniels Silverman tick 40
happy customers are using us to manage their debt with this creditor
First Plus tick 40
happy customers are using us to manage their debt with this creditor
Loan Store Ltd tick 40
happy customers are using us to manage their debt with this creditor
Funding Corporation tick 39
happy customers are using us to manage their debt with this creditor
Ikano tick 39
happy customers are using us to manage their debt with this creditor
Open Door tick 39
happy customers are using us to manage their debt with this creditor
The Cheque Centre tick 39
happy customers are using us to manage their debt with this creditor
Look Again tick 38
happy customers are using us to manage their debt with this creditor
Philips Collection Services tick 38
happy customers are using us to manage their debt with this creditor
Chafes Solicitors tick 37
happy customers are using us to manage their debt with this creditor
Debt Clear Recoveries & Investigations tick 37
happy customers are using us to manage their debt with this creditor
Liverpool Victoria tick 37
happy customers are using us to manage their debt with this creditor
Vertbaudet tick 37
happy customers are using us to manage their debt with this creditor
Credit Resolution Services tick 36
happy customers are using us to manage their debt with this creditor
Damart tick 36
happy customers are using us to manage their debt with this creditor
Eversheds tick 36
happy customers are using us to manage their debt with this creditor
Fancy A Payday tick 36
happy customers are using us to manage their debt with this creditor
Financial Recovery Services Limited tick 36
happy customers are using us to manage their debt with this creditor
Home Shopping Personal Finance tick 36
happy customers are using us to manage their debt with this creditor
Oriel tick 36
happy customers are using us to manage their debt with this creditor
P & J Debt Collection Services tick 36
happy customers are using us to manage their debt with this creditor
Payment Services Bureau tick 36
happy customers are using us to manage their debt with this creditor
Shoe Tailor tick 36
happy customers are using us to manage their debt with this creditor
Alexander James & Co tick 35
happy customers are using us to manage their debt with this creditor
Belmont Thornton Financial Claims tick 35
happy customers are using us to manage their debt with this creditor
Miss Selfridge tick 35
happy customers are using us to manage their debt with this creditor
Northumbrian Water tick 35
happy customers are using us to manage their debt with this creditor
South East Water tick 35
happy customers are using us to manage their debt with this creditor
First Locate UK tick 34
happy customers are using us to manage their debt with this creditor
Icon Collections International tick 34
happy customers are using us to manage their debt with this creditor
Kaleidoscope tick 34
happy customers are using us to manage their debt with this creditor
All In One tick 33
happy customers are using us to manage their debt with this creditor
Banner Jones tick 33
happy customers are using us to manage their debt with this creditor
Debt Management & Recovery Services tick 33
happy customers are using us to manage their debt with this creditor
Marston Group tick 33
happy customers are using us to manage their debt with this creditor
Oli tick 33
happy customers are using us to manage their debt with this creditor
Resolution Legal Services tick 33
happy customers are using us to manage their debt with this creditor
S & U tick 33
happy customers are using us to manage their debt with this creditor
Utility Debt Services tick 33
happy customers are using us to manage their debt with this creditor
Pounds2Day tick 32
happy customers are using us to manage their debt with this creditor
S D Taylor tick 32
happy customers are using us to manage their debt with this creditor
Speedy Dosh tick 32
happy customers are using us to manage their debt with this creditor
Get A Payday Loan Fast tick 31
happy customers are using us to manage their debt with this creditor
Norwich & Peterborough tick 31
happy customers are using us to manage their debt with this creditor
Oasis tick 31
happy customers are using us to manage their debt with this creditor
TNC Legal Services tick 31
happy customers are using us to manage their debt with this creditor
Carphone Warehouse tick 30
happy customers are using us to manage their debt with this creditor
Southern Finance tick 30
happy customers are using us to manage their debt with this creditor
Westminster Solicitors tick 30
happy customers are using us to manage their debt with this creditor
Ealing Trading Company tick 29
happy customers are using us to manage their debt with this creditor
First Response Finance Limited tick 29
happy customers are using us to manage their debt with this creditor
Graham White Solicitors tick 29
happy customers are using us to manage their debt with this creditor
Max Recovery tick 29
happy customers are using us to manage their debt with this creditor
Money In Minutes tick 29
happy customers are using us to manage their debt with this creditor
Shakespeare Putsman tick 29
happy customers are using us to manage their debt with this creditor
H Samuel tick 28
happy customers are using us to manage their debt with this creditor
Short Term Finance tick 28
happy customers are using us to manage their debt with this creditor
The Loan Store tick 28
happy customers are using us to manage their debt with this creditor
Trevor Munn Solicitors tick 28
happy customers are using us to manage their debt with this creditor
Zebra Finance tick 28
happy customers are using us to manage their debt with this creditor
Amazon tick 27
happy customers are using us to manage their debt with this creditor
CCI Legal Services tick 27
happy customers are using us to manage their debt with this creditor
Churchill Recovery Solutions tick 27
happy customers are using us to manage their debt with this creditor
Credit Style tick 27
happy customers are using us to manage their debt with this creditor
Equita tick 27
happy customers are using us to manage their debt with this creditor
Legal Recoveries & Collections tick 27
happy customers are using us to manage their debt with this creditor
Pourtsmouth Water tick 27
happy customers are using us to manage their debt with this creditor
Q-Quest Debt Collectors tick 27
happy customers are using us to manage their debt with this creditor
Essex & Suffolk Water tick 26
happy customers are using us to manage their debt with this creditor
NIIB Finance tick 26
happy customers are using us to manage their debt with this creditor
Paragon Personal Finance tick 26
happy customers are using us to manage their debt with this creditor
SAGA Credit Card tick 26
happy customers are using us to manage their debt with this creditor
V12 Personal Finance tick 26
happy customers are using us to manage their debt with this creditor
Call Serve tick 25
happy customers are using us to manage their debt with this creditor
Invester Compensations LLP tick 25
happy customers are using us to manage their debt with this creditor
MMF Uk Ltd tick 25
happy customers are using us to manage their debt with this creditor
NTL tick 25
happy customers are using us to manage their debt with this creditor
Phoenix Recoveries tick 25
happy customers are using us to manage their debt with this creditor
Talon Debt Recovery tick 25
happy customers are using us to manage their debt with this creditor
Town & Country Legal Services tick 25
happy customers are using us to manage their debt with this creditor
Blake Lapthorn tick 24
happy customers are using us to manage their debt with this creditor
Blue Motor Finance tick 24
happy customers are using us to manage their debt with this creditor
CLC Finance tick 24
happy customers are using us to manage their debt with this creditor
Daxon tick 24
happy customers are using us to manage their debt with this creditor
RateSetter tick 24
happy customers are using us to manage their debt with this creditor
Anderson Fyfe Solicitors tick 23
happy customers are using us to manage their debt with this creditor
Atlantic Gas tick 23
happy customers are using us to manage their debt with this creditor
B & Q Financial Services tick 23
happy customers are using us to manage their debt with this creditor
Bon Prix tick 23
happy customers are using us to manage their debt with this creditor
Buy As You View tick 23
happy customers are using us to manage their debt with this creditor
Country Casuals tick 23
happy customers are using us to manage their debt with this creditor
Debt Litigation & Recovery Services tick 23
happy customers are using us to manage their debt with this creditor
First Utility Ltd tick 23
happy customers are using us to manage their debt with this creditor
Harvey Nicholls tick 23
happy customers are using us to manage their debt with this creditor
Henderson Booth & Snell tick 23
happy customers are using us to manage their debt with this creditor
Motor Mile tick 23
happy customers are using us to manage their debt with this creditor
Payday Advance tick 23
happy customers are using us to manage their debt with this creditor
Private& Commercial Finance tick 23
happy customers are using us to manage their debt with this creditor
Purple Payday tick 23
happy customers are using us to manage their debt with this creditor
Rockford Debt Collections tick 23
happy customers are using us to manage their debt with this creditor
Tocatto tick 23
happy customers are using us to manage their debt with this creditor
Virgin Loans tick 23
happy customers are using us to manage their debt with this creditor
WageAdvance.co.uk tick 23
happy customers are using us to manage their debt with this creditor
Claims Advisory Group tick 22
happy customers are using us to manage their debt with this creditor
Debitas Legal Services tick 22
happy customers are using us to manage their debt with this creditor
Jeremy Sutcliffe & Co Solicitors tick 22
happy customers are using us to manage their debt with this creditor
John McKee & Son Solicitors tick 22
happy customers are using us to manage their debt with this creditor
Lester Aldridge LLP tick 22
happy customers are using us to manage their debt with this creditor
Northridge Finance tick 22
happy customers are using us to manage their debt with this creditor
Onesys Financial tick 22
happy customers are using us to manage their debt with this creditor
Peugeot Financial Services tick 22
happy customers are using us to manage their debt with this creditor
Resolution Recoveries tick 22
happy customers are using us to manage their debt with this creditor
Thesis Servicing tick 22
happy customers are using us to manage their debt with this creditor
Utility Warehouse tick 22
happy customers are using us to manage their debt with this creditor
Yes Loans tick 22
happy customers are using us to manage their debt with this creditor
Advantage Finance tick 21
happy customers are using us to manage their debt with this creditor
Anderson Strathern LLP tick 21
happy customers are using us to manage their debt with this creditor
BCA Collectors Editions tick 21
happy customers are using us to manage their debt with this creditor
Calder Financial tick 21
happy customers are using us to manage their debt with this creditor
Certegy tick 21
happy customers are using us to manage their debt with this creditor
Credit Link Account Recovery Solutions tick 21
happy customers are using us to manage their debt with this creditor
Etam tick 21
happy customers are using us to manage their debt with this creditor
FGA Capital Uk Ltd tick 21
happy customers are using us to manage their debt with this creditor
GMAC UK Plc tick 21
happy customers are using us to manage their debt with this creditor
Honours Student Loans tick 21
happy customers are using us to manage their debt with this creditor
Newlyn Bailiffs tick 21
happy customers are using us to manage their debt with this creditor
Phoenix Credit Services tick 21
happy customers are using us to manage their debt with this creditor
Speed-e-Loans tick 21
happy customers are using us to manage their debt with this creditor
Spratt Endicott Solicitors tick 21
happy customers are using us to manage their debt with this creditor
Tenon Recovery tick 21
happy customers are using us to manage their debt with this creditor
Turnbull Rutherford Solicitors tick 21
happy customers are using us to manage their debt with this creditor
Albemarle & Bond tick 20
happy customers are using us to manage their debt with this creditor
Arvato Limited tick 20
happy customers are using us to manage their debt with this creditor
Bannatyne Fitness tick 20
happy customers are using us to manage their debt with this creditor
Capital Collections tick 20
happy customers are using us to manage their debt with this creditor
Clay Brookes tick 20
happy customers are using us to manage their debt with this creditor
Coventry Building Society tick 20
happy customers are using us to manage their debt with this creditor
LFS Collection Services tick 20
happy customers are using us to manage their debt with this creditor
Payday Now tick 20
happy customers are using us to manage their debt with this creditor
Prince's Trust tick 20
happy customers are using us to manage their debt with this creditor
Retail Credit Management tick 20
happy customers are using us to manage their debt with this creditor
The Green Insurance Company tick 20
happy customers are using us to manage their debt with this creditor
Advantage Loans tick 19
happy customers are using us to manage their debt with this creditor
Beales tick 19
happy customers are using us to manage their debt with this creditor
Classic Confidence tick 19
happy customers are using us to manage their debt with this creditor
Cornwall Collection Services tick 19
happy customers are using us to manage their debt with this creditor
Council Tax tick 19
happy customers are using us to manage their debt with this creditor
Go Debt tick 19
happy customers are using us to manage their debt with this creditor
Grolier tick 19
happy customers are using us to manage their debt with this creditor
Intelligent Finance tick 19
happy customers are using us to manage their debt with this creditor
MIL Collections tick 19
happy customers are using us to manage their debt with this creditor
Paycheck Credit tick 19
happy customers are using us to manage their debt with this creditor
Swinton tick 19
happy customers are using us to manage their debt with this creditor
UK Search Limited tick 19
happy customers are using us to manage their debt with this creditor
Wilkin Chapman Grange Solicitors tick 19
happy customers are using us to manage their debt with this creditor
AIB tick 18
happy customers are using us to manage their debt with this creditor
Bigger & Strahan tick 18
happy customers are using us to manage their debt with this creditor
Books for Children tick 18
happy customers are using us to manage their debt with this creditor
C W Harrison & Son tick 18
happy customers are using us to manage their debt with this creditor
Countrywide Collections tick 18
happy customers are using us to manage their debt with this creditor
First National Tricity Finance tick 18
happy customers are using us to manage their debt with this creditor
First Revenue tick 18
happy customers are using us to manage their debt with this creditor
Goldstar tick 18
happy customers are using us to manage their debt with this creditor
H L Legal & Collections tick 18
happy customers are using us to manage their debt with this creditor
Home Learning College tick 18
happy customers are using us to manage their debt with this creditor
Howden Joinery Ltd tick 18
happy customers are using us to manage their debt with this creditor
J & J Collections tick 18
happy customers are using us to manage their debt with this creditor
Love Film tick 18
happy customers are using us to manage their debt with this creditor
MAC Tools Europe tick 18
happy customers are using us to manage their debt with this creditor
More Than tick 18
happy customers are using us to manage their debt with this creditor
Nationwide Collection Services tick 18
happy customers are using us to manage their debt with this creditor
Nolans Solicitors tick 18
happy customers are using us to manage their debt with this creditor
Pipex tick 18
happy customers are using us to manage their debt with this creditor
Scottish Hydro Electric tick 18
happy customers are using us to manage their debt with this creditor
Suzuki Financial Services tick 18
happy customers are using us to manage their debt with this creditor
TDM tick 18
happy customers are using us to manage their debt with this creditor
3J Finance Ltd tick 17
happy customers are using us to manage their debt with this creditor
Alpins Solicitors tick 17
happy customers are using us to manage their debt with this creditor
Avalanche Debt Recovery tick 17
happy customers are using us to manage their debt with this creditor
Books Direct tick 17
happy customers are using us to manage their debt with this creditor
Broadway Recoveries tick 17
happy customers are using us to manage their debt with this creditor
Churchill Finance tick 17
happy customers are using us to manage their debt with this creditor
Drake Finance Ltd tick 17
happy customers are using us to manage their debt with this creditor
Endeavour Personal Finance tick 17
happy customers are using us to manage their debt with this creditor
Financial Claims Made Simple tick 17
happy customers are using us to manage their debt with this creditor
Isle of Man Bank tick 17
happy customers are using us to manage their debt with this creditor
Open + Direct Retail Services tick 17
happy customers are using us to manage their debt with this creditor
PC World tick 17
happy customers are using us to manage their debt with this creditor
RCI Financial Services Ltd tick 17
happy customers are using us to manage their debt with this creditor
Reliance Bank tick 17
happy customers are using us to manage their debt with this creditor
Swift Advance tick 17
happy customers are using us to manage their debt with this creditor
UCA Revive tick 17
happy customers are using us to manage their debt with this creditor
Alex M. Adamson LLP tick 16
happy customers are using us to manage their debt with this creditor
Alphera Financial Services tick 16
happy customers are using us to manage their debt with this creditor
Blue Stone Credit Management tick 16
happy customers are using us to manage their debt with this creditor
Career Development Finance tick 16
happy customers are using us to manage their debt with this creditor
CIT Group Finance tick 16
happy customers are using us to manage their debt with this creditor
Collect Services tick 16
happy customers are using us to manage their debt with this creditor
Matthew Arnold & Baldwin tick 16
happy customers are using us to manage their debt with this creditor
NHS tick 16
happy customers are using us to manage their debt with this creditor
Access Self Storage tick 15
happy customers are using us to manage their debt with this creditor
Allied Irish Bank tick 15
happy customers are using us to manage their debt with this creditor
Atlas Editions tick 15
happy customers are using us to manage their debt with this creditor
Avance Collections tick 15
happy customers are using us to manage their debt with this creditor
Book tick 15
happy customers are using us to manage their debt with this creditor
Brookes Bates Partnership tick 15
happy customers are using us to manage their debt with this creditor
Capitol Commercial Collections tick 15
happy customers are using us to manage their debt with this creditor
Cash Collection Agency tick 15
happy customers are using us to manage their debt with this creditor
Cash Pot tick 15
happy customers are using us to manage their debt with this creditor
Circuit Financial Solutions tick 15
happy customers are using us to manage their debt with this creditor
Close Brothers Private Banking tick 15
happy customers are using us to manage their debt with this creditor
Commercial Recoveries tick 15
happy customers are using us to manage their debt with this creditor
Controlaccount Credit Management tick 15
happy customers are using us to manage their debt with this creditor
Financial Investigations and Recoveries tick 15
happy customers are using us to manage their debt with this creditor
Firth Finance and General Firth Merchandising tick 15
happy customers are using us to manage their debt with this creditor
G3 Remarketing tick 15
happy customers are using us to manage their debt with this creditor
Gladstone Brookes tick 15
happy customers are using us to manage their debt with this creditor
Hadrian tick 15
happy customers are using us to manage their debt with this creditor
Harlands tick 15
happy customers are using us to manage their debt with this creditor
Hastings Direct tick 15
happy customers are using us to manage their debt with this creditor
Herbert Brown tick 15
happy customers are using us to manage their debt with this creditor
Inspired to Fitness tick 15
happy customers are using us to manage their debt with this creditor
K M Invesigations tick 15
happy customers are using us to manage their debt with this creditor
Lawton Hathaway Credit Management Solutions tick 15
happy customers are using us to manage their debt with this creditor
Mayo Wynne Baxter Solicitors tick 15
happy customers are using us to manage their debt with this creditor
Meritforce tick 15
happy customers are using us to manage their debt with this creditor
Micro Lend UK tick 15
happy customers are using us to manage their debt with this creditor
NFL Direct tick 15
happy customers are using us to manage their debt with this creditor
Powergen tick 15
happy customers are using us to manage their debt with this creditor
Resource Development International tick 15
happy customers are using us to manage their debt with this creditor
Sherforce tick 15
happy customers are using us to manage their debt with this creditor
Siemens tick 15
happy customers are using us to manage their debt with this creditor
Smile tick 15
happy customers are using us to manage their debt with this creditor
Space Properties tick 15
happy customers are using us to manage their debt with this creditor
STA Graydon tick 15
happy customers are using us to manage their debt with this creditor
The Musical Instrument Finance Company tick 15
happy customers are using us to manage their debt with this creditor
Tower Credit tick 15
happy customers are using us to manage their debt with this creditor
UCLAN University tick 15
happy customers are using us to manage their debt with this creditor
United Creditors Alliance tick 15
happy customers are using us to manage their debt with this creditor
Valley Centre Dental Practice tick 15
happy customers are using us to manage their debt with this creditor
Welsh Water tick 15
happy customers are using us to manage their debt with this creditor
Wiltshire Council tick 15
happy customers are using us to manage their debt with this creditor
Yell tick 15
happy customers are using us to manage their debt with this creditor
1st Locate tick 14
happy customers are using us to manage their debt with this creditor
Accent Peerless tick 14
happy customers are using us to manage their debt with this creditor
Advanced Telecoms Debt Collection Services tick 14
happy customers are using us to manage their debt with this creditor
Banque PSA Finance tick 14
happy customers are using us to manage their debt with this creditor
Bibby Financial Services tick 14
happy customers are using us to manage their debt with this creditor
Budget tick 14
happy customers are using us to manage their debt with this creditor
Cash Euro Net Uk tick 14
happy customers are using us to manage their debt with this creditor
Chainey D'Amonto Shannon tick 14
happy customers are using us to manage their debt with this creditor
Cheque Book Loans tick 14
happy customers are using us to manage their debt with this creditor
Credit Management Solutions tick 14
happy customers are using us to manage their debt with this creditor
Credit Union Ltd tick 14
happy customers are using us to manage their debt with this creditor
David Lloyd Leisure tick 14
happy customers are using us to manage their debt with this creditor
Exacta Services tick 14
happy customers are using us to manage their debt with this creditor
Hilton Honours Credit Card tick 14
happy customers are using us to manage their debt with this creditor
Home Call tick 14
happy customers are using us to manage their debt with this creditor
Honda Finance Europe Plc tick 14
happy customers are using us to manage their debt with this creditor
Hugh J. Ward tick 14
happy customers are using us to manage their debt with this creditor
Indigo Media tick 14
happy customers are using us to manage their debt with this creditor
Just Learning Ltd tick 14
happy customers are using us to manage their debt with this creditor
Lend UK tick 14
happy customers are using us to manage their debt with this creditor
Michelmores LLP tick 14
happy customers are using us to manage their debt with this creditor
Millfield Business Services tick 14
happy customers are using us to manage their debt with this creditor
Mobile Quid tick 14
happy customers are using us to manage their debt with this creditor
Nutan Jewellers tick 14
happy customers are using us to manage their debt with this creditor
Phones4U tick 14
happy customers are using us to manage their debt with this creditor
Ramsdens tick 14
happy customers are using us to manage their debt with this creditor
Readers Union tick 14
happy customers are using us to manage their debt with this creditor
Resolvecall tick 14
happy customers are using us to manage their debt with this creditor
Russell & Bromley tick 14
happy customers are using us to manage their debt with this creditor
Ryder-Davies & Partners tick 14
happy customers are using us to manage their debt with this creditor
Sameday Loans tick 14
happy customers are using us to manage their debt with this creditor
SCEMES tick 14
happy customers are using us to manage their debt with this creditor
Sheffield Credit Union tick 14
happy customers are using us to manage their debt with this creditor
Shulmans Solicitors tick 14
happy customers are using us to manage their debt with this creditor
Southwark Credit Union tick 14
happy customers are using us to manage their debt with this creditor
St Sampsons Medical Centre tick 14
happy customers are using us to manage their debt with this creditor
Thackray Williams Solicitors tick 14
happy customers are using us to manage their debt with this creditor
The Debt Recovery Agency tick 14
happy customers are using us to manage their debt with this creditor
The Money Shop tick 14
happy customers are using us to manage their debt with this creditor
Willows Veterinary Centre & Referral Service tick 14
happy customers are using us to manage their debt with this creditor
Ashbourne Membership Management tick 13
happy customers are using us to manage their debt with this creditor
Attenborough Pawn Brokers tick 13
happy customers are using us to manage their debt with this creditor
Banner Plant tick 13
happy customers are using us to manage their debt with this creditor
Birchall Blackburn tick 13
happy customers are using us to manage their debt with this creditor
Booker Management Services tick 13
happy customers are using us to manage their debt with this creditor
Butterfly Blue tick 13
happy customers are using us to manage their debt with this creditor
Capital Recoveries tick 13
happy customers are using us to manage their debt with this creditor
Cherry Godfrey tick 13
happy customers are using us to manage their debt with this creditor
Crazy Clearance tick 13
happy customers are using us to manage their debt with this creditor
Credit Management Consultants tick 13
happy customers are using us to manage their debt with this creditor
Debt Investigations tick 13
happy customers are using us to manage their debt with this creditor
Diamond Insurance tick 13
happy customers are using us to manage their debt with this creditor
Direct Collections tick 13
happy customers are using us to manage their debt with this creditor
Elephant Car Insurance tick 13
happy customers are using us to manage their debt with this creditor
Empress Credit Solutions tick 13
happy customers are using us to manage their debt with this creditor
Euro Advance Ltd tick 13
happy customers are using us to manage their debt with this creditor
Future Fit Training tick 13
happy customers are using us to manage their debt with this creditor
Heather Valley tick 13
happy customers are using us to manage their debt with this creditor
Month End Money tick 13
happy customers are using us to manage their debt with this creditor
One Call Insurance tick 13
happy customers are using us to manage their debt with this creditor
Portland House Collection Services tick 13
happy customers are using us to manage their debt with this creditor
Readers Digest tick 13
happy customers are using us to manage their debt with this creditor
Ryanair tick 13
happy customers are using us to manage their debt with this creditor
Same Day Cash tick 13
happy customers are using us to manage their debt with this creditor
Scottish and Southern Energy Plc tick 13
happy customers are using us to manage their debt with this creditor
Shaw Healthcare Group tick 13
happy customers are using us to manage their debt with this creditor
Skills Training Centre tick 13
happy customers are using us to manage their debt with this creditor
St Marys University College tick 13
happy customers are using us to manage their debt with this creditor
Sunnyside Clothing & Supplies tick 13
happy customers are using us to manage their debt with this creditor
The Credit Information Bureau tick 13
happy customers are using us to manage their debt with this creditor
Thornton Hope tick 13
happy customers are using us to manage their debt with this creditor
Virgin Active tick 13
happy customers are using us to manage their debt with this creditor
White Rose Credit Union tick 13
happy customers are using us to manage their debt with this creditor
Wiseman Debt Collections tick 13
happy customers are using us to manage their debt with this creditor
Wolseley UK tick 13
happy customers are using us to manage their debt with this creditor
ADT Fire & Security tick 12
happy customers are using us to manage their debt with this creditor
Business Stream tick 12
happy customers are using us to manage their debt with this creditor
Cash For Gold tick 12
happy customers are using us to manage their debt with this creditor
Chivers Easton Brown tick 12
happy customers are using us to manage their debt with this creditor
Clarke Wilmot & Clarke Solicitors tick 12
happy customers are using us to manage their debt with this creditor
Debt Enforcement Associates tick 12
happy customers are using us to manage their debt with this creditor
Direct Choice Insurance Services tick 12
happy customers are using us to manage their debt with this creditor
DTM Legal LLP tick 12
happy customers are using us to manage their debt with this creditor
Fasttrack tick 12
happy customers are using us to manage their debt with this creditor
HLW Commercial Lawyers tick 12
happy customers are using us to manage their debt with this creditor
Imperial College tick 12
happy customers are using us to manage their debt with this creditor
Kleenezee Limited tick 12
happy customers are using us to manage their debt with this creditor
Lyle Hill tick 12
happy customers are using us to manage their debt with this creditor
Nelson Guest tick 12
happy customers are using us to manage their debt with this creditor
Onestop Money shop tick 12
happy customers are using us to manage their debt with this creditor
Osiris Debt Collection tick 12
happy customers are using us to manage their debt with this creditor
PDP Management Services tick 12
happy customers are using us to manage their debt with this creditor
Portal Claims tick 12
happy customers are using us to manage their debt with this creditor
Principles tick 12
happy customers are using us to manage their debt with this creditor
Pro Life Gym tick 12
happy customers are using us to manage their debt with this creditor
RDL Distribution Ltd tick 12
happy customers are using us to manage their debt with this creditor
Response Credit Management tick 12
happy customers are using us to manage their debt with this creditor
River Valley tick 12
happy customers are using us to manage their debt with this creditor
Sanclare Financial tick 12
happy customers are using us to manage their debt with this creditor
South Staffs Water tick 12
happy customers are using us to manage their debt with this creditor
Swiftcover tick 12
happy customers are using us to manage their debt with this creditor
The Folio Society tick 12
happy customers are using us to manage their debt with this creditor
The Hoseasons Group tick 12
happy customers are using us to manage their debt with this creditor
VIL Collections tick 12
happy customers are using us to manage their debt with this creditor
Wandsworth Council tick 12
happy customers are using us to manage their debt with this creditor
Whitehall Estates tick 12
happy customers are using us to manage their debt with this creditor
Acorn Finance tick 11
happy customers are using us to manage their debt with this creditor
Aplins Solicitors tick 11
happy customers are using us to manage their debt with this creditor
Barker & Lowe Legal Recoveries tick 11
happy customers are using us to manage their debt with this creditor
BMI Credit Card tick 11
happy customers are using us to manage their debt with this creditor
Cheshire Securities tick 11
happy customers are using us to manage their debt with this creditor
Code Red Collection Services tick 11
happy customers are using us to manage their debt with this creditor
Corporate & Legal Collections tick 11
happy customers are using us to manage their debt with this creditor
Credit Information Bureau tick 11
happy customers are using us to manage their debt with this creditor
Dalbeattie Finance tick 11
happy customers are using us to manage their debt with this creditor
Direct Auto Financial Services tick 11
happy customers are using us to manage their debt with this creditor
Foulds Solicitors tick 11
happy customers are using us to manage their debt with this creditor
Geoffrey Leaver Solicitors tick 11
happy customers are using us to manage their debt with this creditor
GM Law Solicitors tick 11
happy customers are using us to manage their debt with this creditor
Greenhalghs Solicitors tick 11
happy customers are using us to manage their debt with this creditor
Howard Solicitors tick 11
happy customers are using us to manage their debt with this creditor
Inter-Credit International tick 11
happy customers are using us to manage their debt with this creditor
IPM Personal Pension Trustees tick 11
happy customers are using us to manage their debt with this creditor
JES Enforcement tick 11
happy customers are using us to manage their debt with this creditor
Kingscott Dix Limited tick 11
happy customers are using us to manage their debt with this creditor
LJ Finance tick 11
happy customers are using us to manage their debt with this creditor
Mercantile Data Bureau Ltd tick 11
happy customers are using us to manage their debt with this creditor
Nationwide Trust Limited tick 11
happy customers are using us to manage their debt with this creditor
Norwich Union tick 11
happy customers are using us to manage their debt with this creditor
One Vision Housing tick 11
happy customers are using us to manage their debt with this creditor
Optimax tick 11
happy customers are using us to manage their debt with this creditor
Orwell Park School tick 11
happy customers are using us to manage their debt with this creditor
Splash Studio tick 11
happy customers are using us to manage their debt with this creditor
Sure Starters Nursery tick 11
happy customers are using us to manage their debt with this creditor
Sygma Bank tick 11
happy customers are using us to manage their debt with this creditor
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How much does debt management cost?

What if I want to cancel my debt management plan?

Debt Management is an informal solution so you can cancel whenever you wish. We provide a fourteen day cooling off period from the time you receive our business terms in the post and during that time you can cancel the plan and receive a full refund of any costs you have paid. After that time you can cancel the plan at any time you wish by giving us 14 days notice. We do not tie you in with any long contracts.

For more information, our terms and conditions are available here.

Where are your Terms and Conditions?

Our terms and conditions are available here.

The most important thing to remember is that we are experts in our field, and deal with people in similar situations every day. You have nothing to lose, except for monetary stress, so contact us for expert, friendly and confidential initial advice, now!

For more information and for your options explained please read In Debt? Dealing with your creditors from The Insolvency Service and study our document Dealing With Debt - 5 Things You Should Know. In addition, for information on where to go for free debt advice, visit the Money Advice Service.

Fees & Key Information

At Valour Financial Management all services we provide are subject to our standard terms of business. Below is a summary of these terms and our relevant charges but the following does not replace or amend our Standard Terms.

Our services have no hidden or additional costs. We aim to be completely transparent in all of our charges. If you are unsure or have any queries regarding the cost involved in setting up any of our debt solutions please contact one of our expert debt advisors on 0800 007 5436 and we will be happy to discuss this further.

The Fees

Debt Management Fees
IVA Fees
Trust Deed Fees

Debt Management Fees

All our costs are included in your single affordable monthly repayment.

Fees

The initial fee will cover the work that's involved in setting up a debt management plan:

  • Reviewing your current financial situation and calculating an affordable monthly repayment
  • Preparing your financial statement which will be passed to your creditors
  • Calculating your reduced repayment proposals
  • Negotiating with your creditors, including wherever possible negotiating to get your interest frozen

This fee is 34.5% of each of your first six monthly management plan payments.

Monthly Fee

The monthly fee covers the work that's involved in dealing with the day to day running of your account to ensure it is running smoothly and providing you with a dedicated Client Finance Manager to deal with any concerns or issues you may have while it's in progress. During the first six months of your plan this is usually fixed at £24.99, however, we will reduce this fee in some cases to ensure that we are always distributing at least 50% of your Monthly Management Plan Payment. After the first six months of your plan this fee is then 17.5% of your Monthly Management Plan Payment, subject to a minimum fee of £39.99 and a maximum fee of £99.99, this covers our ongoing costs of distributing your payments and dealing with your creditors including:

  • A dedicated Client Finance Manager to keep you updated with all aspects of your plan and provide expert advice, help and assistance when needed
  • Dealing with all correspondence and phone calls from your creditors
  • Ensuring funds are distributed promptly to your creditors on your behalf
  • Providing access to your client portal where you can see monthly statements, make payments, and liaise with your Client Finance Manager 24 hours a day, 365 days a year.

Cancellations and Refunds

A financial management plan is an informal arrangement so you can cancel at any time. We do not tie you in with any long contracts. We provide a fourteen day cooling off period from the time you receive our business terms and during that time you can cancel the plan and receive a full refund of any costs you have paid us to date. After that time you can cancel the plan by giving us 14 days notice however you will not be entitled to a refund of any fees you have paid us after your cooling off period.

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IVA Fees

IVA Setup Fee

A set up fee is payable for the work involved to evaluate and present your proposal to the Licensed Practitioner. The set up fee is based on the information you provide to our advisers, and is equal to your monthly disposable income (after priority debts and living costs). The IVA set up fee will not be paid to your creditors or go towards the actual IVA itself. Once this process has been completed, your case will be passed over to a suitable Licensed Insolvency Practitioner who will then take responsibility for your IVA.

Insolvency Practitioners Fees

All of the following fees are included in your single reduced monthly repayment. You will not have to directly pay any of these fees, however these fees are split into two categories: the Nominee's fee and the Supervisor's fees. Below is an illustration of the payments and fees on a typical client's IVA.

A breakdown of typical payments and fees on an IVA:

Monthly debt repayments prior to entering an IVA £750
Typical new monthly repayments on IVA £220
Amount paid to Nominee's fee over 60 months £1,500
Amount paid to Supervisor's fee over 60 months £1,900
Supervisor's costs £400
Total paid by borrower (including fees mentioned above) £13,200
Total unsecured debt written off on completion £17,600 (65%)

This example is based on a typical client - a consumer with approximately £27,000 of unsecured debts who completes an IVA lasting 5 years and has no equity in a home.

For a more detailed breakdown, speak to one of our expert advisors on 0800 007 5436

Nominee's Fee

The Nominee's fee is a fixed fee that covers the cost of setting up your IVA which includes:

  • Drawing up your IVA proposal, which details the proposed terms of your IVA
  • Organising and attending the creditors meeting where your creditors may request changes to the terms
  • Helping you decide if any required changes are reasonable, or if a different solution would be more appropriate

Supervisor's fees

The Supervisor's fees cover the ongoing maintenance and supervision of your IVA which in most cases will run for 5 years. It will cover any day-to-day issues that arise, and also regular reviews to check for any significant issues such as a change in your financial situation which may result in an IVA variation (a change to your IVA terms, based on changes to your circumstances).

Cancellations and Refunds

We provide a fourteen day cooling off period from the time you receive our business terms and during that time you can cancel the plan and receive a full refund of any costs you have paid us to date. After that time you can cancel the plan by giving us 14 days notice however you will not be entitled to a refund of any fees you have paid us after your cooling off period.

We are not able to guarantee that your case will be accepted by the Insolvency Practitioner, however if your case is rejected or you decide you would rather follow a debt management plan after speaking to the Insolvency Practitioner the assessment fee will be moved over to your debt management programme.

It is very important that you keep up your monthly payments in your IVA as if you do not your IVA may fail, and you would be liable for the remaining balance and any costs already incurred.

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Trust Deed Fees

Trust Deed Setup Fee

An initial set up fee is payable for the work involved to evaluate and present your proposal to the Licensed Practitioner. The set up fee is based on the information you provide to our advisers, and is equal to your monthly disposable income (after priority debts and living costs). The set up fee will not be paid to your creditors or go towards the actual Trust Deed itself. Once this process has been completed, your case will be passed over to a suitable Licensed Insolvency Practitioner who will then take responsibility for your Trust Deed.

Trust Deed Fees

All of the following fees are included in your single reduced monthly repayment. You will not have to directly pay any of these fees which will be paid as a flat fee every month throughout your Trust Deed which will usually last for 3 years. Below is an illustration of the payments and fees on a typical client's Trust deed.

A breakdown of typical payments and fees on a Trust Deed:

Typical new monthly repayments (x 36 months) £220
Amount paid to Trustee Fee over 36 months £4,150
Trustee disbursements £450
Total paid by individual (including fees above) £7,920
Total unsecured debt written off on completion £19,680 (85%)

The example is based on a typical client - a consumer with approximately £23,000 of unsecured debts who completes a Trust Deed lasting 3 years and has no equity in a home. Fees shown are inclusive of VAT where applicable.

For a more detailed breakdown, speak to one of our expert advisors on 0800 007 5436

Trustee Fee

The Trustee fee will cover the setting up your trust deed which includes:

  • Your Licensed Insolvency Practitioner drawing up your Trust Deed proposal, this advises creditors what they can expect from the Trust Deed. Once this has been presented the Trust Deed will become protected by law unless enough of your creditors object.
  • As well as the set-up costs of the Trust Deed, the fee will cover the work involved in the day-to-day running of your Trust Deed including changing the terms of your Trust Deed if there has been a significant change to your financial situation.

Each month your payment will be stored in a 'creditors pot' the flat fee will be deducted from this pot and once that has happened, your creditors will receive their payment.

Cancellations and Refunds

We provide a fourteen day cooling off period from the time you receive our business terms and during that time you can cancel the plan and receive a full refund of any costs you have paid us to date. After that time you can cancel the plan by giving us 14 days notice however you will not be entitled to a refund of any fees you have paid us after the your cooling off period.

We are not able to guarantee that your case will be accepted by the Insolvency Practitioner, however if your case is rejected or you decide you would rather follow a debt management plan after speaking to the Insolvency Practitioner the assessment fee will be moved over to your debt management programme.

It is very important that you keep up your monthly payments in your Trust Deed as if you do not your Trust Deed may fail, and you would be liable for the remaining balance and any costs already incurred.

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Case Study

Here is an example of how a debt management plan could make your unsecured debt repayments more manageable.

Case Study Based on 38 monthly payments. Total repaid £8,990.74.
Total costs of the plan £1,990.74.
For a breakdown of the costs of the plan, please click here.

Your new monthly repayment will be based on your personal circumstances and will vary from case to case. To see if we can help you either give us a call or complete our short online enquiry form.

Worried or Stressed About A Creditor?

We have set up arrangements and frozen interest and late charges for thousands of customers just like you with banks, loan companies, collection companies and more.

See if we can help you with one of your creditors. Just type any creditor name in the box and we will tell you if we can help freeze interest and late payment charges.

Wonga

Arrange For No Obligation Debt Help & Advice

Please complete this short, totally confidential form so one of our expert debt advisers can provide you with no-obligation help and advice.

  • Freeze your interest
  • Freeze late payment charges
  • No Obligation
  • No Hard Sell
  • Reduce your monthly debt repayments
  • One single monthly repayment
 
 
Privacy

Privacy & Security

Your privacy is important to us. All data is held securely and confidentially and we will only ask for information required to help find you the best solution. More info...

Secured by Thawte

Conditions Apply. Repaying debt over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. Fees payable when continuing service is provided.

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Review Centre


Debt Management Plan Protocol

A standing committee of lenders, government bodies and regulatory bodies have all voted that Valour should be appointed as one of only a few Protocol Approved Providers so you are assured of the highest standards of care and advice.

Providing advice you can trust

We are full members of the Debt Managers Standards Association (DEMSA), whose code of conduct is approved by Trading Standards.

Hope House Hospice Fundraising

Secured Loan

- based on borrowing £15,000 over 10 years
Loan Amount: £15,000 Broker Fee: £1275
Lender Fee: £525 Interest: £12,897.60
Total Repayable: £29,697.60 Monthly Payment: £247.48
Representative APR: 16.8% variable

Unsecured Loan

- based on borrowing £5,000 over 5 years
Loan Amount: £5,000 Broker Fee: £750
Lender Fee: £195 Interest: £7054
Total Repayable: £12,999 Monthly Payment: £216.65
Representative APR: 58.2% variable

Payday Loan

- based on borrowing £100 for 28 days
Loan Amount: £100 Transmission Fee: £5
Amount of Credit: £105 Interest*: £26.25
Total Repayable: £131.25 Representative APR: 3372%
*Interest on payday loan is fixed at 25% of the amount of credit owed until your next calendar month pay day irrespective of the loan term.