Debt Advice from a DEMSA Member

Having problems with unsecured debt?
Here at MoneyPlus we understand how daunting it can be to seek help for your debt troubles. You are stepping into the unknown, about to reveal your deepest and darkest secrets to a stranger.

Talking to us about your debt is nothing to worry about, as MoneyPlus have helped over 100,000 people just like you since we started out in 1997!

Sometimes it can be downright mindboggling searching for debt advice: so many different things to consider, companies throwing information at you from every which way. Who can you trust? You don’t want to add to the stress by endlessly trawling through your options, and that’s why we offer nothing but honest and simple solutions to your debts!

Our experts are trained to provide debt advice for many situations, including:

  • Negotiating with your creditors – If, following our debt advice, a professional solution is deemed the best approach for you to tackle your finances, we’ll negotiate with your creditors to try and get repayments to a level that you can realistically afford.
  • A personal approach to debt advice – Over the years, we’ve developed a reputation within the industry for providing honest and straightforward debt advice. Our one-to-one, personalised service ensures that you only receive the most suitable solution for your unique circumstances. Every one of our customers receives support from a dedicated team to help them tackle any problems they may encounter on the road to financial freedom.

DEMSA code of conduct

You’re probably wondering what DEMSA is supposed to mean to you, well, it is a code of conduct designed to deliver the best quality service imaginable, and MoneyPlus Group are founder members.
We stick to this code of conduct like glue and are always seeking other ways to improve our service to benefit you.
This code also gets the stamp of approval from the Trading Standards Institute, so you can be sure the advice you are receiving is trusted and believed in on a much larger scale.

We are real people, just like you. And we care.

It’s important when dealing with debt that you receive help from the heart, that’s why we want to assure you that we really do care. After all, everyone gets into a bit of debt sometimes, not just you.

We can happily say that you will receive help from experienced staff who love their jobs, the majority of whom have been with us a long time. This is because our feel-good mantra stretches beyond the clients and to the staff as well.

Watch a real story from someone that got free from debt with MoneyPlus:

Sometimes it can feel like you’re fighting a losing battle with your debt, a battle with no end in sight. That’s why it can help to hear from someone who has been there and conquered!

Debt advisor Leanne King talks to a MoneyPlus client

We visited our client, Jackie, to hear about her experience with us and how it changed her life for the better.
So sit back and be inspired, this could be you!
Leanne King has been a professional debt advisor since 1997. In this video Leanne tells us what it is about her job that gets her out of bed every morning:

What do I do next?

Take the plunge and confront your debts. Our advisors are ready to help you take the necessary steps to becoming debt free and as a result, stress free!
So pick up your phone and prepare to reap the benefits:

  • Stop demands from lenders once a plan is arranged.
  • Regain control of your finances – without a loan.
  • Replace multiple monthly payments with just one.
  • Reduce the monthly cost of repaying your debt.
  • Potentially freeze or reduce interest and charges.

So stand up to your debt and call us on 0800 988 2318Calls from a BT landline are free, however, calls from non-BT landlines may vary. Calls from a mobile will be charged, as such it may be cheaper to call us on 0161 837 4682

What kind of help can you actually give me?

It is important that you know the options available to you, and at MoneyPlus we will always find the best solution for your personal circumstance. So here are some of the choices you may encounter:

IVA (individual voluntary arrangement)

IVAs are an arrangement between you, your creditors and our inhouse insolvency practitioners (IPs), for dealing with debts over £10,000.
In short, our IPs will negotiate affordable monthly payments with your creditors and after the arrangement has run its course (usually around 5 years); any remaining unsecured debts will be written off.
more about IVAs

Debt Management Plan

Debt management plans are designed to pull you out of debt, not get you into more trouble by lending, like a consolidation loan.
This arrangement is great for organising your debts so you can keep track of them, lumping them into one affordable monthly payment. We will negotiate with your lenders, so there is no more pressure on you and we may even be able to get your interest and charges frozen!
We calculate your monthly payments by assessing your income and outgoings and how much you can afford to pay. What you owe or what your current payments are don’t come into the equation.
At MoneyPlus you are not tied into one amount for the entire term, so if your circumstances change we can reassess that accordingly. We are licensed to give debt help to people who are finding it difficult to manage their debts and are now in need of professional debt advice. That advice is always impartial and in your best interest.
more about DMPs

Which solution is best for me?

If you want advice that fits your personal circumstance, the best thing to do is ring us for a chat on 0800 988 2318Calls from a BT landline are free, however, calls from non-BT landlines may vary. Calls from a mobile will be charged, as such it may be cheaper to call us on 0161 837 4682.

If you’ve got time to spare why not try our online debt test? It’s easy to use and should give you an idea of what solutions are available to you. Click here to take the MoneyPlus debt test.

Still not sure?

Margaret talks about dealing with MoneyPlus

You may find it helpful to hear from our client Margaret. She is currently going through a debt management plan and kindly invited us round for a chat about how she’s finding the whole experience.
Watch Margaret’s Story »

It’s completely up to you…

We understand how difficult it can be to face your financial demons, and we wouldn’t advise anything if we didn’t believe in it ourselves.

All of us get into debt sometimes, not just you, so don’t feel ashamed about it.
After all, if you got ill, you’d go and see a doctor.
If you needed legal help, you’d see a solicitor.
When you’re in debt trouble, just call MoneyPlus, we’re the professionals.
We look forward to hearing from you,
The MoneyPlus Team