Friendly and Confidential Advice
-
Speak to an experienced Debt Adviser today to discuss your options.
-
Find out the debt plan options that are available to suit your personal situation.
-
Find out what your new monthly payments can be to your creditors.
-
Find out if you can write off a large % of your debt.
-
Take time to think it over and ask as many questions as you like.
Some benefits of being in a Debt Plan
FREEZE INTEREST AND CHARGES
STOP PHONECALLS, LETTERS AND FURTHER ACTION INCLUDING BAILIFFS
REDUCE YOUR MONTHLY PAYMENTS BY OVER 50% - SAVING YOU £100's
ONE AFFORDABLE MONTHLY PAYMENT TO ALL OF YOUR CREDITORS
Debt Advice
Completely FREE consultation
When you are struggling with debt you don’t want to pay for advice or pay unnecessary fees. Qualified Debt Counsellors will give you the best information available and it won’t cost you a penny to talk to them.
No obligation
A Debt Advisor will discuss all of the options that are available to you giving transparent advice. They will find out what help you qualify for and will explain the next steps. It will be your choice whether to proceed with any of the solutions available to you.
Compare all of your options
There are many options available for most people that are struggling with debt. When you speak with a qualified Debt Advisor they will go through all of those that apply to your personal situation thoroughly.
No pressure
Once you have received and understood all solutions available to you, your personal Debt Advisor will give you the time to decide the route you want to take.
Friendly Advisors
All of the Debt Advisors that you speak to via TAT are FCA regulated and are trained to a high standard. The subject of debt is sensitive to many and can be a distressing time when trying to deal with it. Our debt advice partners understand their responsibilities and will be available to help guide you through the whole process.
Never judge
Our focus is to help you to resolve your debt issue. More and more people are finding they are spending more than they earn. We understand that debt problems are often outside of your control and can creep up on you quickly so the Debt Advisor you will speak to will always make sure they fully understand your individual circumstance before they advise on the best debt solution available to you.
Debt Solutions
INDIVIDUAL VOLUNTARY ARRANGEMENT (IVA)
- Legal protection – The IVA offers you legal protection from your included creditors and included Bailiffs
- Debt written off – Up to 80% of your debt can be written off with government legislation
- Interest and charges on included debts will be frozen
- One monthly affordable payment. The payment you make into an IVA is based on your income and expenditure, so should always be affordable to you
- No upfront fees
DEBT MANAGEMENT PLAN (DMP)
-
A Debt Management Plan enables you to make one single affordable monthly payment to all of your included debts. This Payment is then shared amongst your creditors
-
Interest and charges on included debts are frozen
-
Debt Management Plans are flexible, informal solutions and are not legally binding, so should your circumstances improve, you can leave a plan at any time
-
Your Debt Management Plan provider will deal with your creditors on your behalf
OTHER DEBT SOLUTIONS
-
Protected Trust Deed (Scottish Residents Only)
-
Debt Arrangements Scheme (Scottish Residents Only)
-
Bankruptcy
-
Minimal Asset Process (Scotland Residents Only)
-
Debt Relief Order
WHICH DEBTS CAN BE WRITTEN OFF WITH AN IVA?
Bank Loans
Payday Loans
Credit Cards
Previous Car HP/Finance
Council Tax Arrears
Old Mobile Phone Bill debt
Overpayment of benefits
Debt with collection companies
Store Cards
Catalogues
HMRC (including self employed)
Overdrafts
Credit Unions
Water Arrears
Utility Company debt
Others
debt solution Typical Example
