Are you a Baines & Ernst Customer?

If you are a customer of Baines & Ernst you will have received notification that on the 14th July 2017 the management of your plan was taken over by MoneyPlus Group. If you want to find out more information about this and how it may affect you please follow the link below.

Your Baines & Ernst Debt Management Plan

Money Advice Service

The Money Advice Service

To find out more about managing your debt and receiving free debt advice visit moneyadviceservice.org.uk or read the article Options for paying off your debt.

Find out more

Are you struggling with debt?

How much do you owe?

£

How much can you afford to pay each month?

£

Where do you live?

 

Important Information

This test only provides an indication of which options are available to you. For an accurate assessment of your situation, we need to speak to you on the phone.


Not sure which debt solution is right for you?

Finding the right debt solutions can often be a daunting task. That’s where we come in. Our advisers are all trained to help you find the best solution to your financial situation, whether it’s with us or not!

Take our debt test to find out how we could help

Important Information About Our Service & Fees

Whilst we strive in all cases to negotiate the best deal with your creditors, we cannot guarantee a reduction in interest or charges. Also as one of the largest providers of debt management solutions in the UK, we are able to provide initial advice over the phone without charge, however, if a debt solution is taken out, please be aware that fees will be charged. For information on our fees, please click here. For more information about debt management plans from MoneyPlus read our terms & conditions.

Further Additional Information

The insolvency service has produced a guide for people who are struggling with debt. This guide outlines each of the available solutions. You can download the guide by clicking the following link – Options for Paying off your Debt.

Our most popular services

Debt Management Plan Debt Management Plans

Debt management plans are usually for people with unsecured debts totalling £15,000 or less, although this depends on exact circumstances.

Individual Voluntary Arrangement Individual Voluntary Arrangements

Individual voluntary arrangements (IVAs) are a binding contract between you and your creditors. You will make fixed monthly payments each month into your IVA, and in return they will accept lower payments over a fixed term.

Protected Trust Deed Protected Trust Deeds

Residents of Scotland may benefit from a protected trust deed. A trust deed is a legally binding agreement between you and your creditors – similar to an IVA.

Additional services

Debt Relief Order Debt Relief Orders

Individuals with relatively low liabilities, small surplus income and few or no assets and who are possibly not in a position to pay off their debts in a reasonable time may be eligable for a debt relief order.

Debt Arrangement Scheme Debt Arrangement Scheme

A debt arrangement scheme (DAS) is a debt management program, run by the Scottish government, which allows you to repay your debts over an extended period of time whilst providing you protection from their creditors.

Legal Services Legal Services

Get help with a wide range of legal services, including personal injury, probate, will writing and employment law.

MortgagesRefinancing

Through remortgaging we can help release some of the value in your home, which could be used for home improvements or paying off debt.

UtilitiesUtilities

Utility switching is a great way to save money, you continue getting the product but simply pay less for it.

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Living in Scotland?

If you live in Scotland you can find out more about managing your debt by reading the debt advice and information package created by Scotland’s Insolvency Service.

Find out more