Thank you
- Your reference: XXXXXX
- When we'll call: The call will be within 30 minutes
Your report
- You may be eligible for the following
Invidividual Voluntary Agreement (IVA)
- Interest and charges frozen
- Write off up to 81% of debt
- Stop legal action by creditors
- IVA could fail if you don’t make repayments
- Credit rating will be affected
Debt Management Plan
- Not recorded on public register
- Interest and charges frozen
- Shows you’re willing to repay debt in full
- Creditors can still take legal action
- You’ll repay all of your debt
Representative Example
New monthly cost
Debt Solution
IVA
Example Debt Level
£19,526.57
Average Write Off %
65%
Write Off Amount
£12,692.27
This is a representative example based on a debt level of £19,526.57 and an average write off percentage of 65%. Your actual results may differ, depending on confirmed debt level and other factors, such as income and expenditure.
What to expect on the call.
Before we call you, here’s a quick breakdown of what you can expect from us.
The amount of debt you could write off
How much you'll pay each month
A timeline to write off your debt
How we’ll manage the entire process on your behalf
Frequently Asked Questions
We’ll be able to explain everything more fully on the call, but for now, here are some of the most common questions our customers have when they first get in touch.
What information do you need from me on the call?
We’ll do a soft credit search on the call (don’t worry, this has no impact on your credit file). That will give us a good idea of your outstanding debts to start with. Then, we’ll ask you about your income and outgoings, as well as who you owe money to, so that we can get the full picture, and give you the best possible advice.
What if I don’t have all the information you need?
It’s okay, we can still help. If you’re not sure of all the people you owe money to, or you haven’t got an exact amount for each payment, we can make some calls to help you find out, or suggest steps you can take to get us the information while you’re on the call.
How much will it cost me to get advice from you?
You won’t pay a penny for the advice our debt specialists give you on the call. If you do qualify for a debt solution, the fees will be taken from the monthly amount you pay to your creditors. Everything’s covered, and we don’t take any money upfront. The last thing we want is you getting further into debt.
How do you know what solution is best for me?
Everyone’s story is different, and there are a lot of options, including IVAs, trust deeds and bankruptcy, as well as more informal plans. Once we carefully build up a picture of your situation, our advisors will take it step by step, so we can understand your concerns, and which of the available solutions would be the right fit for your situation. We’ll only proceed if you’re completely comfortable to go ahead.
I’m a bit nervous about speaking to someone about my debts
That’s completely understandable, but be reassured, we’ll do everything we can to put you at ease. We don’t use complicated jargon, and we treat every customer as an individual, taking their unique circumstances into consideration before sharing our impartial advice. There’s nothing we haven’t dealt with; we speak with hundreds of customers every single day. We’re here to have an open and honest chat and try to build a picture to see what help and support we can give you.
They did it, and so can you.
Anyone can get into debt. But sometimes, it takes a bit of help to get out of it. That’s what we’re here for. And here are some of the people we’ve helped.
It was literally the best decision of my life, and it has actually changed my life, cheesy as that sounds, it has changed my life.
Paige,
Creditfix IVA Customer