FACT - Most people in severe debt do have money available each month to pay their creditors if the payments are reduced and interest frozen.

FACT - There is no such thing as an unsecured debt if you have equity in a property.

FACT - Creditors do not appreciate traditional 3rd party Debt Management interference and will always be more likely to persue you for payment if they can not deal with you direct.

Make contact 

VPDMP or 1-2-1 Voluntary Arrangement?

We will recommend the best and most effective way to help you regain control over your debt.

In order to set up a Voluntary Personal Debt Management Plan (VPDMP) we ask only that you are able to contribute a minimum of £85 on a monthly basis to the plan. A VPDMP works best for clients that have unsecured debts of at least £4000. On average our clients have  unsecured borrowings of £23500 and can contribute £165 towards the plan. Some clients however have five times this amount of debt. There is no 'one cap fits all' in debt resolution matters!

Contributions through our unique 1-2-1 Voluntary Arrangement work in exactly the same way as above, but when we are satisfied that the conditions and timing are right, contact is made with all creditors and an agreement reached to release an affordable amount of equity from your property by way of remortgaging in 'FULL and FINAL SETTLEMENT'. All remaining debt will be written off!

Confidential home visit

We believe that the best place to discuss and analyse your debt solution is in the comfort and privacy of your own home. The advantages are that you will likely to be more at ease and have all the relevant information to hand in order to help your Debt Manager work through your Personal Budget Sheet (PBS). This will list all your income and expenditure and most importantly reveal the amount left over for your unsecured creditors. Although the figures stated on the PBS are flexible to a degree, we shall use this signed document as evidence for your creditors as to your overall financial situation.

Please see our Home visit page for more information
and apply free on line using the form provided.

Setting your VPDMP into motion

Using documentation produced and developed by us, addressed from you and signed by you, we make contact with your creditors and request the immediate cessation of all charges and interest and make a pro rata offer to pay an affordable monthly contribution to the outstanding debt. Why do we prefer to do it this way? Your creditors will always be more willing to discuss and implement  a debt reduction strategy if they are confident that they are dealing with you direct. We are always happy to totally manage your creditors for you if that is your preference. This request is supported by your important Personal Budget Sheet.

1-2-1 Debt Solutions' role is to produce all relevant letters for you, to monitor all incoming correspondence, to negotiate on your behalf were necessary and to always make sure that your creditors remain at all times within industry guidelines and again if necessary, and with your permission contact them direct when they do not.

Please see a debt solution example to see what we have achieved for our other clients.