MoneyEase
Free first advice
Your assessment and advice cost nothing, and there’s no obligation to go ahead.
Here’s exactly what happens
No surprises, no jargon, no pressure. We walk you through every step, so you always know what’s next.
Every case is different, and no write-off is guaranteed until your solution is agreed. Fees apply to some solutions, and free advice is available from MoneyHelper.
Roughly how much do you owe?
The short version
- Roughly how long our online questions take.
- 2 minutes
- For your first assessment and advice, with no obligation.
- £0
- How long the assessment call usually takes.
- 20–30 min
- Your own point of contact, from the first call to the end.
- 1 contact
What you can expect
One point of contact
Someone who knows your case, from the first call to the end.
Kept confidential
Your details are protected under UK data protection law, and we never sell them for marketing.
Every option, explained
Including the free ones, with the pros and cons of each, so you choose with the full picture.
From your first question to your plan
Answer a few questions
Tell us roughly what you owe and what comes in and goes out. It takes about two minutes and won’t affect your credit score.
Talk it through
One of our advisers calls you for a free assessment of your income, outgoings and debts. It usually takes 20 to 30 minutes.
Get an honest recommendation
We explain every option open to you, in plain English, and which we think suits you best. You decide, in your own time.
Your plan begins
If you go ahead, we set everything up and deal with your creditors, so you don’t have to.
What we do, and what we don’t
So you know exactly where you stand.
What we do
- Give you a free assessment and advice, with no obligation
- Explain every option, including free ones and doing nothing formal
- Explain every fee before you commit
- Set up your solution and deal with your creditors, if you go ahead
- Tell you about free debt advice, including MoneyHelper
What we don’t do
- Push you towards a solution that isn’t right for you
- Charge hidden fees, or ask for money upfront for an IVA
- Promise how much of your debt will be written off
- Lend money
- Sell your details for marketing
- Start anything without your say-so
Questions about the process
How long does the process take?
Our questions take about two minutes, and the assessment call usually takes 20 to 30 minutes. If an IVA suits you, the proposal usually goes to your creditors within a few weeks, and they get 14 days’ notice to vote on it. A Debt Management Plan can often be set up more quickly.
What documents will I need?
Nothing to get started: rough figures are fine. Later we’ll ask for proof of income, like payslips or benefit letters, your monthly spending and a list of your debts. Your last three months of bank statements help too, and we can help you gather it all.
Will answering your questions affect my credit score?
No. Answering our questions won’t affect your credit score. Most formal debt solutions are recorded on your credit file, and we explain the effect of each before you choose.
Do I have to go ahead?
No. The assessment and advice are free, with no obligation. Nothing starts until you say so.
Can I change my mind?
A Debt Management Plan is informal, so you can stop it at any time. You can withdraw an IVA proposal before your creditors approve it, but ending an IVA once it’s in place can have serious consequences, including bankruptcy. We explain all of this before you commit.
You don’t have to sort this out alone
Tell us roughly what you owe and we’ll show you what could help. It takes two minutes, won’t affect your credit score, and there’s no obligation.
Roughly how much do you owe?