When debt is the problem — and nothing seems to fit a neat category
Debt causes pain whether it comes labelled or not. If you are carrying a burden that is affecting your sleep, your relationships, or your ability to think straight — and you are not sure which box it falls into — start here.
Debt doesn’t have to reach a crisis point before you can get help
Between our advisers, we have over 60 years of experience in debt. In that time we have seen situations that do not fit neatly into any standard category — and those are often the ones where the right advice makes the most difference.
Ready to talk it through?
No charge for the initial conversation. No obligation to proceed. Completely confidential.
People come to us not knowing what their options are. That’s exactly what we’re here for.
- A clear picture of where you actually stand — not where you fear you stand
- Someone in your corner who will deal directly with whoever you owe
- Enforcement action stopped or slowed while a strategy is agreed
- Old or disputed charges traced, negotiated, and removed
- A realistic, honest assessment of what a good outcome looks like for you
- A plan you understand and can make an informed decision about
- Protection of your home and assets wherever that is achievable
- A way forward — even when the situation feels entirely stuck
Historic mortgage charges were blocking a property sale — we got them removed
“Nobody I spoke to seemed able to give me a clear answer about how to resolve it.”
- Multiple historic charges traced to their current beneficial owners
- Several accounts written off — records lost or incomplete
- Title cleared, sale able to proceed
Mr V was referred to us by a mortgage adviser. We receive a significant proportion of our work through professional referrals.
What happens when you contact us
You do not need to have all the answers first. Most people come to us not knowing where to start — that is exactly what the first call is for.
A confidential conversation
We listen. No judgement, no pressure. You tell us what’s happening and we ask what we need to understand the full picture.
We map the picture
We look at the full situation — not just the debt figures, but who is involved, what stage things have reached, and what is most at risk. We will tell you plainly what we think.
You choose
We explain every option available to you, including the ones you can pursue yourself. We tell you what we think the chances of a good outcome are. The decision is always yours.
We handle it
If you instruct us, we take over. We deal with creditors, courts, enforcement agents, official bodies, and lenders directly — so you can get on with your life.
We have helped in these situations too…
Facing prison over a historic Crown debt — how we helped Ms M
“I was told that if I didn’t pay the debt by the deadline I could be sent to prison. I was terrified and didn’t know where to turn.”
Read their story → Personal LiabilityThe Bankruptcy Order That Should Never Have Been Made
FCA registration preserved. Bankruptcy removed from all records. Thirty-year marriage protected.
Read their story → Other Situations — Divorce & DebtSeparating the personal from the financial
“The debts were tangled up with everything else that was falling apart. I didn’t know where the divorce ended and the debt problem began.”
Read their story →We receive the majority of our instructions by referral
Solicitors, accountants, IFAs, mortgage advisers, and insolvency practitioners regularly refer clients to us. If you have a client carrying a debt problem that does not fit a standard route, we are happy to talk it through with you first. No referral paperwork required.