Business Details
20 Years
experience
Emergency
services
Expert Debt Management Solutions UK
Established in 2006, Money Debt And Credit has grown to become a leading UK financial solutions provider. Our team of experienced advisors, supported by licensed Insolvency Practitioners, delivers tailored debt management strategies grounded in transparency and ethical practice. As founder members of the Debt Resolution Forum, we combine industry expertise with innovative financial products to help individuals overcome unsecured debt challenges. Our mission focuses on improving financial circumstances through debt consolidation, IVAs, and personalized payment plans that prioritize client affordability.With FCA regulation and a 96% customer satisfaction rating via Feefo, we maintain rigorous standards in data protection and client communication. Our advisors work directly with clients to assess income and expenditure, negotiate creditor terms, and implement sustainable debt resolution strategies that freeze interest charges and consolidate multiple debts into manageable payments.
Services
Debt Management Plans
Individual Voluntary Arrangements
Guarantor Loans
Secured Loans
Full & Final Settlement
IVA Services
Loan Refinancing
Credit Counseling
Details
- Year established: 2006
Highlights and features
- Established in 2006 with 18 years of debt resolution expertise
- Founder members of the Debt Resolution Forum (DRF)
- FCA-regulated financial advisory services
- 96% customer satisfaction rating via independent reviews
- Free initial debt solution report with personalized recommendations
Associations and certifications
- Debt Resolution Forum
- Financial Conduct Authority
What people say
Excellent customer service
Professional advisors
Effective debt solutions
Transparent process
Quick response times
Services
Debt Management Plan
Our Debt Management Plans consolidate multiple debts into a single affordable payment. By negotiating with creditors to freeze interest charges, we help clients reduce debt balances over time while stopping collection pressures. This service suits individuals with unsecured debts over 5,000 who need structured repayment support.
Individual Voluntary Arrangement
IVAs provide legally binding debt solutions for those with 10,000+ unsecured debts. We work with licensed Insolvency Practitioners to create five-year payment plans that write off remaining balances after completion. This service includes creditor negotiations and annual financial reviews to adjust payment terms.
Guarantor Loan
Guarantor Loans enable borrowers with poor credit histories to access 500-5,000 through homeowner-backed financing. With fixed APR from 48%, these 1-5 year loans offer high approval rates through our specialist lender network, with funds typically available within 48 hours of approval.
Secured Loan
Secured homeowner loans from 5,000 to 250,000 offer flexible terms with rates starting at 8.9% APR. Our market-wide search finds competitive deals for debt consolidation, home improvements, or major purchases, with early repayment options and soft credit checks to protect credit ratings.
Full & Final Settlement
This service negotiates lump sum debt settlements for clients with access to funds through savings, inheritance, or asset sales. Using established creditor relationships, we arrange partial payments that clear entire debts, though acceptance requires creditor approval and cannot be guaranteed.
Questions
What debt solutions do you offer?
We provide Debt Management Plans, Individual Voluntary Arrangements, Guarantor Loans, Secured Loans, and Full & Final Settlement options tailored to individual financial circumstances.
How can I get immediate debt help?
Complete our online debt solution calculator for a free 30-second report, or call our 24/7 helpline to speak with an FCA-regulated advisor about urgent debt concerns.
Are your services FCA regulated?
Yes, Money Debt And Credit operates under Financial Conduct Authority regulation (reference number 461643) for all financial advisory services and loan arrangements.
Can I get a loan with bad credit?
Our specialist lenders offer Guarantor Loans and Secured Loans to applicants with poor credit histories, using soft credit checks that don't impact credit ratings during initial assessments.
How do debt consolidation plans work?
We negotiate with creditors to combine multiple debts into single monthly payments, freeze interest charges, and create affordable repayment schedules while protecting clients from collection pressures.
What areas do you serve?
As a UK-based financial solutions provider, we assist clients nationwide through online consultations, phone support, and digital document processing.
