Breathing Space
The Debt Respite Scheme can pause most creditor contact, interest and enforcement for a limited period while you get debt advice. It is arranged through an authorised debt adviser, not sold as a paid service by us.
FCA Authorised · FRN 746010 · Company 08155619
Practical debt help
from a UK firm
you can trust
Free callback within one working hour · All fees agreed in writing before any paid work begins · Established 2012 · FCA authorised (FRN 746010).
2012Established
13+Years experience
FCAAuthorised
FreeFirst discussion
Free confidential enquiry — no obligation
Free debt advice is always available first. Before any paid service, free advice is
available from MoneyHelper
(government-backed) ↗, StepChange, National Debtline and Citizens Advice. We always explain free
options, fees, cancellation rights and alternatives before you commit.
FCA AuthorisedFRN 746010
Company Reg.No. 08155619
Data ProtectedICO Z3299816
FOS AccessComplaint rights
ConfidentialDiscreet advice
All UK debt situations covered
Expert help for your exact situation
Whether you've received court papers, your bank account was closed, you're behind on your mortgage, creditors won't stop calling, or HMRC is in touch — we have a service designed for your exact situation. FCA authorised since 2012. Free first discussion, no obligation.
Browse all services
Showing all 12 services
Most Popular
Creditor Negotiation
We contact your creditors directly and negotiate reduced, affordable payments — so you can breathe again.
Debt ManagementRead full details →
Act Fast — Deadlines Apply
CCJ Support
Received a county court judgment or claim form? Strict deadlines apply — we help you respond in time.
Court SupportRead full details →
Default Disputes
Is a default on your credit file incorrect or unfairly recorded? We help you challenge it and get it corrected.
Credit FileRead full details →
CIFAS Marker Help
Bank account closed with no explanation? A CIFAS fraud marker could be why — we help you understand and dispute it.
Credit FileRead full details →
Mortgage Arrears
Falling behind on your mortgage puts your home at risk. We help you propose an affordable repayment plan to your lender — urgently.
PropertyRead full details →
HMRC & Tax Debt
HMRC has serious enforcement powers. We help you apply for Time to Pay arrangements and engage HMRC professionally.
Tax & BusinessRead full details →
Business Debt & BBL
Struggling with Bounce Back Loans, CBILS, or business creditor pressure? We support directors and sole traders.
Tax & BusinessRead full details →
Act Fast — Time Limits Apply
Bailiff Guidance
Enforcement agents have strict rules they must follow. Know your rights and what they can and cannot do.
EnforcementRead full details →
Shortfall Debt
Property sold or repossessed and still owe money to the lender? We help you understand and manage mortgage shortfall debts.
PropertyRead full details →
Debt Adjusting
FCA-authorised debt adjusting — restructuring multiple debts into a plan you can actually manage and sustain.
Debt ManagementRead full details →
Credit File Advice
Confused about what's on your credit file and how it affects you? We explain what each entry means and what can realistically be done.
Credit FileRead full details →
Insolvency Markers
Bankruptcy or IVA should have dropped off your file but hasn't? We help identify and correct overdue or incorrectly recorded entries.
Credit FileRead full details →
Not sure which service applies to your situation?
Just tell us what's happening. A real adviser will listen, explain your options — including free alternatives — and only recommend paid help if it genuinely suits your situation.
Get a free, no-obligation callback →Creditor Negotiation
Most Popular ServiceIf your debt repayments have become unaffordable, we negotiate directly with your creditors — banks, lenders, and finance companies — to reach a sustainable arrangement based on what you can genuinely afford. This is not a debt management plan (DMP) but direct negotiation for reduced payments or frozen interest.
Who This Helps
Anyone struggling with credit card payments, personal loans, overdrafts, store cards, or any unsecured debt where the current repayments are unsustainable. Suitable whether you're behind on payments or just managing minimum payments.
Documents Needed
Complete list of all creditors with account numbers and current balances; recent statements from each creditor; your monthly income breakdown; household expenses including rent, utilities, food, transport, and other commitments.
What We Do
Contact each creditor professionally on your behalf; present a realistic income-and-expenditure proposal; negotiate reduced monthly payments or frozen interest; confirm all agreed arrangements in writing; maintain communication throughout the arrangement.
Our Process
1
Assessment
Review your full financial situation
2
Proposal
Prepare offer for each creditor
3
Negotiation
Contact creditors directly
4
Confirmation
Written agreement confirmed
✓ Common Situations Where This Helps
- Credit card minimum payments are unmanageable
- Multiple debts from several different lenders
- Loans being defaulted due to job loss or reduced income
- Creditors threatening further action or default notices
- Interest and charges making debt spiral uncontrollably
- Need breathing space before considering formal solutions
❓ Frequently Asked Questions
Once we contact your creditors and they accept our proposal, they will
generally correspond with us rather than directly with you. We keep you informed throughout.
Entering negotiation may have some impact on your credit file. We explain
this clearly so you can make an informed decision about whether to proceed.
No. Creditors are not obligated to accept any proposal. We present realistic
offers based on what you can afford and use our experience to achieve the best possible outcome.
⚠️ Important Information
Creditors are not legally obliged to accept any proposal. We cannot guarantee a specific arrangement
will be agreed. Outcomes depend on each creditor's policies and your circumstances. Free guidance is
also available from MoneyHelper, StepChange and National Debtline.
Indicative Fee:
£200–£1,000 + VAT per creditor, depending on balance. Use our fee calculator
below or call for a quote.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
CCJ Support
Act Quickly — Deadlines ApplyA County Court Judgment (CCJ) stays on your credit file for six years from the date of issue and can seriously affect your ability to obtain credit, a mortgage, or even rent a property. If you've received a CCJ or a county court claim form, acting quickly is critical — court deadlines are strict and missing them can result in a default judgment against you.
Who This Helps
Anyone who has received a CCJ, a county court claim form (N1), or a default judgment. Also suitable for those who believe a judgment was issued incorrectly, without proper notice, or for a debt they don't recognise.
Documents Needed
The claim form (N1) or judgment notice; all previous correspondence from the creditor; proof of any payments made; bank statements showing payment history; details of the original agreement if available.
What We Do
Explain your options clearly and realistically; assess whether varying payment terms, setting aside the judgment, or settling is most appropriate; help you respond to the court before deadlines; communicate with the creditor or court on your behalf.
Our Process
1
Review
Assess the claim and your options
2
Advice
Explain deadlines and consequences
3
Response
Prepare and submit court response
4
Follow-up
Manage ongoing court correspondence
✓ Common Situations Where This Helps
- Received a claim form and don't know how to respond
- Already have a CCJ and want to understand options
- Believe the debt isn't yours or was paid
- Cannot afford the judgment payment terms
- Want to apply to have the CCJ set aside
- Received papers but missed the response deadline
❓ Frequently Asked Questions
A CCJ that has been paid within one month of judgment can be marked as
satisfied on your credit file. Otherwise it remains for six years. We can advise on whether paying
or challenging is appropriate for your situation.
If you don't respond within 14 days (or 28 days if being defended), the
creditor can request a default judgment against you. This is worse than engaging early. Seek
advice immediately.
No. Court decisions are entirely at the judge's discretion. We can assess
whether grounds exist and prepare the strongest possible application, but cannot guarantee
success.
⚠️ Important Information
Court decisions are outside our control. Applying to set aside a CCJ is not guaranteed to succeed —
the court decides based on the evidence. Seek advice immediately on receiving any court paperwork.
Free guidance also from MoneyHelper and Citizens Advice.
Indicative Fee:
From £500 + VAT per CCJ case. Complex cases or those involving setting aside
may be higher — agreed in writing first.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Default & Credit File Disputes
Credit Repair SupportA default notice on your credit file can remain for six years and significantly impact your ability to obtain credit, mortgages, or even rent. If you believe a default was registered incorrectly — without proper notice, for the wrong amount, or where the debt was already paid — you may have grounds to challenge it. We can help you review, dispute and correct entries on your file.
Who This Helps
People who believe a default was registered incorrectly or unfairly; those who have found errors on their credit report; anyone refused credit, a mortgage, or tenancy who wants to understand and challenge their file.
Documents Needed
Credit reports from Experian, Equifax and TransUnion (all free to obtain); the original credit agreement; any letters from the lender at the time of default; evidence of payments made; copies of any previous complaints.
What We Do
Review the default entry and assess whether grounds for dispute exist; raise a formal challenge with the lender or credit reference agency; draft professional dispute correspondence; follow up persistently on your behalf until resolution.
Our Process
1
Credit Report
Obtain and review your reports
2
Assessment
Identify grounds for dispute
3
Dispute
Submit formal challenge
4
Resolution
Follow up until outcome
✓ Common Situations Where This Helps
- Default registered for wrong amount
- Never received notice of default from lender
- Default for debt already paid in full
- Identity theft or fraudulent account
- Default on joint account after separation
- Default from utility or mobile company dispute
❓ Frequently Asked Questions
No. Accurate, fairly recorded defaults within the correct timeframes cannot
simply be removed. We can only challenge entries where errors or procedural failures occurred. We
assess your case carefully before proceeding.
Credit reference agencies have 28 days to respond to disputes. If the lender
doesn't respond in time, the CRA may remove the entry. Complex cases may take longer. We keep you
informed throughout.
You can escalate to the Financial Ombudsman Service (FOS) if the CRA hasn't
handled your dispute properly. We can advise on this escalation path if needed.
⚠️ Important Information
Accurate, fairly recorded information cannot simply be removed because you want it gone. We cannot
guarantee removal of any entry. Outcomes depend on the lender's response and CRA processes. Free
guidance also from Citizens Advice.
Indicative Fee:
From £300 + VAT per default case. Complex cases may be higher — agreed in
writing before work begins.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
CIFAS Marker Support
Bank Account Closure HelpA CIFAS fraud-prevention marker (also known as a Protective Registration or Account Takeover Prevention) can result in your bank accounts being suddenly closed or refused without clear explanation. Banks and other organisations use CIFAS markers to protect customers from suspected fraud — but markers can be applied incorrectly. We help you understand what has happened and challenge markers you believe were placed unfairly.
Who This Helps
Anyone whose bank account was closed suddenly with no clear reason given; those whose application for a bank account, credit, or insurance was refused without explanation; people who believe a CIFAS marker was applied incorrectly or without proper evidence.
Documents Needed
Letters from your bank about account closure; account records and transaction history showing the flagged activity; evidence that the flagged activity was legitimate; CIFAS data if already obtained; any previous correspondence about the marker.
What We Do
Explain how the CIFAS system works and why markers are applied; help you request your CIFAS data (your right under GDPR); assess whether a dispute is appropriate based on the evidence; prepare and submit a professional challenge to the recording member.
Our Process
1
Data Request
Obtain your CIFAS data file
2
Analysis
Review the marker evidence
3
Challenge
Submit dispute to recorder
4
Outcome
Manage response and follow-up
✓ Common Situations Where This Helps
- Bank account closed with no clear explanation
- New bank account application repeatedly declined
- Credit application refused without reason
- You recognise the flagged activity as legitimate
- Identity theft caused the flag on your file
- Previous relationship with bank ended unexpectedly
❓ Frequently Asked Questions
CIFAS is the UK's largest fraud prevention service. Banks, building
societies, and other organisations share information about suspected fraud through CIFAS. A marker
doesn't mean you've done anything wrong — it means an organisation suspected fraud and flagged it.
No. Whether a CIFAS marker is amended or removed is decided solely by the
organisation that recorded it. We can assess whether a challenge is appropriate and submit the
strongest possible case, but cannot guarantee the outcome.
If you believe the organisation hasn't handled your dispute properly, you can
escalate to the Financial Ombudsman Service (FOS) as a free external dispute resolution body.
⚠️ Important Information
Whether a CIFAS marker is amended is decided solely by the organisation that recorded it — this is
outside our control. We are not a regulatory body. Free guidance also from the Financial Ombudsman
Service (FOS).
Indicative Fee:
Fee agreed individually based on case complexity. Contact us for a free
discussion about your situation.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Mortgage Arrears
Protect Your HomeFalling behind on your mortgage is one of the most serious financial situations you can face. If mortgage arrears are not addressed promptly, your lender may start possession proceedings — which could ultimately result in you losing your home. Acting early gives you the best possible chance of reaching an affordable solution with your lender.
Who This Helps
Homeowners who have missed one or more mortgage payments; anyone who has received letters from their lender about arrears or possession; those facing unemployment, illness, or other circumstances that have affected their ability to pay.
Documents Needed
Recent mortgage statements showing the current balance and arrears; all letters received from your lender; details of your current income and all household expenses; explanation of circumstances that led to the arrears; any relevant supporting documents.
What We Do
Review your full financial situation and assess options; help you propose an affordable arrears repayment plan to your lender; communicate professionally with your lender to seek agreement; advise on your rights and options if possession proceedings have started.
Our Process
1
Assessment
Review mortgage and finances
2
Proposal
Prepare arrears repayment plan
3
Negotiation
Contact lender professionally
4
Agreement
Confirm arrangement in writing
✓ Common Situations Where This Helps
- Missed several mortgage payments in a row
- Received an arrears letter from your lender
- Lender has started possession proceedings
- Received court papers about your mortgage
- Redundancy or job loss affecting mortgage payments
- Separation or divorce affecting affordability
❓ Frequently Asked Questions
This varies. Lenders must follow strict procedures and give you opportunities
to catch up. However, if you ignore letters and don't engage, possession proceedings can be
relatively quick. Seeking advice immediately when you struggle is essential.
Lenders have obligations under the FCA's Mortgage Arrears rules to consider
proposals carefully. However, they don't have to accept any arrangement. We present realistic,
affordable plans to give you the best possible chance.
We can advise on your options and communicate with your lender, but we cannot
guarantee stopping proceedings. Court decisions are outside our control. Act immediately if you've
received court papers.
⚠️ Important Information
Whether your lender accepts a proposal is their decision. If you have received court possession
papers, there are strict deadlines — seek advice immediately. Free urgent support also from
MoneyHelper and registered housing advisers.
Indicative Fee:
Fee agreed individually based on complexity. Contact us urgently if you have
received court papers.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
HMRC & Tax Debt
Government Debt SupportHMRC debts — including PAYE, VAT, self-assessment, National Insurance contributions and overpaid benefits — are treated very differently from most other debts. HMRC has wide enforcement powers including distraint, winding-up petitions, and attachment of earnings. Early, structured engagement can make a significant difference to the outcome. We help you communicate with HMRC professionally and explore options like Time to Pay arrangements.
Who This Helps
Self-employed individuals with self-assessment tax arrears; company directors with PAYE or VAT liabilities; anyone who has received HMRC demands, penalties, or notices; business owners facing HMRC enforcement action.
Documents Needed
Recent HMRC letters and demands; tax returns (where relevant); records of payments already made; current income and outgoings summary; business accounts if applicable; details of any previous arrangements with HMRC.
What We Do
Review your HMRC position comprehensively; help you apply for a Time to Pay arrangement; support you in communicating with HMRC clearly and factually; advise on options and consequences; help you present your case professionally.
Our Process
1
Review
Assess HMRC position
2
Options
Explain available routes
3
Application
Submit TTP or proposal
4
Ongoing
Manage correspondence
✓ Common Situations Where This Helps
- Received a threatening HMRC letter or demand
- Cannot afford your self-assessment tax bill
- VAT payments have built up unexpectedly
- Company PAYE has fallen behind
- HMRC threatening enforcement action
- Need a Time to Pay arrangement
❓ Frequently Asked Questions
Time to Pay (TTP) is an arrangement with HMRC to pay tax debts in instalments
over a period. It's at HMRC's discretion and depends on your circumstances and payment history. We
help you present the strongest possible case for approval.
Yes. HMRC has significant enforcement powers including distraint (seizing
goods), charging orders on property, and in serious cases, winding-up petitions against companies.
Engaging early is essential to avoid these consequences.
No. We are debt advisers who help you communicate with HMRC and manage
repayment. For complex tax disputes or technical tax advice, we may recommend consulting a
qualified accountant or tax adviser.
⚠️ Important Information
Time to Pay is at HMRC's discretion — it is not automatically granted. We are not tax advisers; for
complex disputes also consult a qualified accountant. We can help with the debt management aspect but
cannot resolve technical tax issues.
Indicative Fee:
Fee agreed individually based on complexity. Contact us for a free
discussion about your HMRC situation.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Business Debt & BBL/CBILS
For Businesses Under PressureBusiness debt can escalate quickly and affect not just the business but personal finances too — particularly for sole traders and company directors who may have personal liability. Whether you're struggling with Bounce Back Loans, CBILS, supplier debts, or general creditor pressure, we can help you understand your options and engage constructively with creditors.
Who This Helps
Sole traders and self-employed people with business debts; company directors facing personal liability for business debts; businesses struggling with BBL or CBILS repayments; anyone with creditor pressure or legal notices related to business debts.
Documents Needed
Business creditor list with balances and contact details; recent bank statements and cashflow forecasts; BBL/CBILS agreement and all lender correspondence; any legal notices received; business accounts or tax returns; details of personal guarantees given.
What We Do
Review your business and personal position; help you communicate with business creditors; advise on Pay As You Grow options for BBL; assist in engaging your bank about repayment difficulties; explain formal options if needed; coordinate advice with insolvency specialists when appropriate.
Our Process
1
Assessment
Review business finances
2
Strategy
Identify options and priorities
3
Engagement
Contact creditors professionally
4
Monitoring
Ongoing support and review
✓ Common Situations Where This Helps
- Cannot afford BBL or CBILS repayments
- Business creditors demanding payment
- Director concerned about personal liability
- Received a winding-up petition
- Bank threatening to withdraw facilities
- Cashflow crisis affecting supplier relationships
❓ Frequently Asked Questions
This depends on your business structure. Sole traders are personally liable
for all business debts. Company directors may have personal liability if they gave personal
guarantees or if wrongdoing is found. We assess your position and explain the implications.
The BBL Pay As You Grow scheme allows businesses to: extend the loan term
from 6 to 10 years (reducing monthly payments), switch to interest-only payments for 6 months, and
take a repayment holiday. We help you apply for these options.
No. We are not licensed insolvency practitioners. If your situation requires
formal insolvency procedures (CVAs, administration, liquidation), we will refer you to appropriate
specialists. We can coordinate with them and continue to provide debt advice.
⚠️ Important Information
Business debt can have significant personal liability implications for directors. We may recommend
specialist insolvency or legal advice in some cases. We are not licensed insolvency practitioners. We
always explain your options including free advice services.
Indicative Fee:
Fee agreed individually based on business complexity. Contact us for a free
discussion about your situation.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Bailiff Action Guidance
Know Your RightsBailiffs (now legally called enforcement agents) can be instructed to collect unpaid Council Tax, court fines, parking penalties, and CCJ debts. Many people don't know their rights when dealing with bailiffs — and some enforcement agents do not always operate within their legal limits. We help you understand what bailiffs can and cannot do, challenge unlawful conduct, and explore ways to resolve the underlying debt.
Who This Helps
Anyone who has received a Notice of Enforcement from bailiffs; people who have been visited by enforcement agents; those who believe a bailiff has acted unlawfully or used excessive force; anyone wanting to resolve an enforcement debt before it escalates.
Documents Needed
Any enforcement notices or letters received; the original debt documentation and court judgment (if applicable); proof of any payments already made; records of contact with the bailiff including dates and what was said; any evidence of improper conduct.
What We Do
Explain exactly what enforcement agents can and cannot legally do; assess whether any notices received are valid; challenge unlawful conduct if it has occurred; help you seek a controlled repayment arrangement; advise on the underlying debt options.
Our Process
1
Review
Assess notices and debt
2
Rights
Explain your protections
3
Challenge
Challenge any unlawful action
4
Resolution
Arrange repayment or settlement
✓ Common Situations Where This Helps
- Received a Notice of Enforcement letter
- Bailiff has visited or attempted to visit
- Bailiff demanded payment you cannot afford
- Bailiff threatened to seize goods
- Believe bailiff acted outside their powers
- Want to arrange repayment to stop enforcement
❓ Frequently Asked Questions
Bailiffs can only seize goods belonging to the debtor. They cannot take:
tools of trade up to £1,350, household items essential for daily living, vehicles essential for
work, or goods on hire purchase. They also cannot force entry to your home for most debts without
a warrant.
No. If you receive a Notice of Enforcement you typically have 7 days before a
visit. Ignoring it will result in a visit and potential seizure of goods. It's much better to
engage and explore repayment options before this happens.
If bailiffs have acted unlawfully, you may be able to make a complaint, seek
damages, or report them to the court. Document everything: dates, times, names, what was said, and
any evidence of improper conduct.
⚠️ Important Information
If you have received a Notice of Enforcement you typically have 7 days before a visit. Seek advice
immediately. MoneyHelper and Citizens Advice can also provide free urgent help. We can advise on
rights but cannot stop legitimate enforcement action.
Indicative Fee:
Fee agreed individually. Contact us urgently if bailiffs have contacted
you.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Mortgage Shortfall Debt
After Property Sale or RepossessionA mortgage shortfall arises when a property is sold (or repossessed) and the proceeds do not cover the outstanding mortgage balance. The difference — the shortfall — becomes an unsecured debt that the lender can pursue you for, sometimes months or even years after the sale. We help you understand the claim, assess whether the amount is correct, and respond professionally.
Who This Helps
People who have had a property repossessed; homeowners who sold in negative equity; anyone contacted by a lender or collection agency about a shortfall balance; those who have received a shortfall statement after property sale.
Documents Needed
Original mortgage details and redemption statement; sale completion statement showing the sale price; lender's shortfall correspondence and claim amount; any payments made since the sale; current financial circumstances statement.
What We Do
Review the shortfall claim in detail; assess whether the amount claimed is accurate and complete; help you respond to the lender or collection agent; advise on options including negotiation; support you in achieving the best possible outcome.
Our Process
1
Documents
Review all paperwork
2
Analysis
Check claim accuracy
3
Response
Reply to lender professionally
4
Negotiation
Achieve best possible outcome
✓ Common Situations Where This Helps
- Received a shortfall claim after property sale
- Property was repossessed and now chased for balance
- Received a letter about shortfall from collection agency
- Unsure whether the shortfall amount is correct
- Cannot afford the full shortfall amount
- Lender threatening legal action for shortfall
❓ Frequently Asked Questions
No. If you ignore a shortfall claim, the lender will pursue it through
courts. This can result in a CCJ and affect your credit file for six years. It's better to engage
and explore options for settlement or payment arrangements.
We cannot guarantee reduction or write-off. However, we can negotiate with
the lender, particularly if your financial circumstances are difficult. Some lenders accept less
than the full shortfall, especially if settlement is paid promptly.
The limitation period for mortgage shortfall claims is generally 12 years
from the date of the shortfall. However, practical pursuit usually happens sooner. If you've
received a letter, engage promptly.
⚠️ Important Information
We cannot guarantee a shortfall can be reduced or written off. The lender's claim is a legitimate
debt. Free guidance also from MoneyHelper. Our role is to help you manage the situation
professionally.
Indicative Fee:
Fee agreed individually based on complexity. Contact us if you've received a
shortfall claim.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Debt Adjusting
FCA Authorised ServiceDebt adjusting means working with you and your creditors to reorganise your debt commitments to fit within what you can genuinely afford. This is done through rescheduling, restructuring, or negotiating payment plans with each creditor individually. First Credit Advice Limited is FCA authorised for debt adjusting — one of the few firms with this authorisation. We always explain free alternatives before any paid service.
Who This Helps
People with multiple debts whose total repayments exceed their budget; anyone wanting a structured, managed approach to dealing with several creditors; those who need professional representation when negotiating with multiple lenders.
Documents Needed
Full creditor list with account numbers and current balances; recent statements from each creditor showing payments; monthly income breakdown; all household expenses; any correspondence received from creditors.
What We Do
Complete income and expenditure assessment; prepare a realistic, creditor-by-creditor plan; approach each creditor with proposals based on what you can afford; help you maintain arrangements over time; provide ongoing support and communication management.
Our Process
1
Assessment
Full financial review
2
Plan
Prepare proposal for each creditor
3
Negotiation
Contact all creditors
4
Ongoing
Manage and maintain arrangements
✓ Common Situations Where This Helps
- Multiple credit cards with unaffordable payments
- Personal loans and overdrafts too expensive
- Creditors threatening further action
- Need professional help communicating with creditors
- Want a structured approach to becoming debt-free
- Previous debt solutions haven't worked
❓ Frequently Asked Questions
Debt adjusting involves negotiating directly with each creditor for
individual arrangements. A Debt Management Plan (DMP) typically consolidates payments into one
monthly amount. Debt adjusting gives more control and often better outcomes, but requires more
management.
Entering any formal debt arrangement can affect your credit file. We explain
this clearly before you commit so you can make an informed decision based on your priorities and
circumstances.
This depends on the number of creditors and complexity. We work at your pace
and maintain arrangements as long as needed. Some clients complete arrangements in 2-3 years;
others may need longer.
⚠️ Important Information
We are FCA authorised for debt adjusting (FRN 746010). We always explain free options — MoneyHelper,
StepChange, National Debtline and Citizens Advice — before any paid service. Fees are agreed in
writing before any work begins.
Indicative Fee:
Fee depends on number and balance of debts. Contact us for a free discussion
and indicative quote.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Credit History Advice
Improve Your Credit FutureYour credit file is used by lenders when you apply for credit, mortgages, rentals, and sometimes even employment. Understanding what is on it — and what realistic steps may improve it over time — is the first step to better financial options. We help you read your file, understand what lenders see, and identify practical steps forward.
Who This Helps
Anyone refused credit, a mortgage, or tenancy; those wanting to understand their file before a major financial application; people who want to improve their creditworthiness; anyone unsure why they're being declined for credit.
Documents Needed
Credit reports from Experian, Equifax and TransUnion (all free to obtain directly); details of any specific entry you are concerned about; any rejection letters received (these sometimes indicate why).
What We Do
Explain how credit files work and what lenders see; review your file and identify both positive and negative entries; identify entries that may be incorrect or disputable; give practical guidance on realistic steps to improve your file over time.
Our Process
1
Credit Report
Obtain your free reports
2
Analysis
Review all entries in detail
3
Disputes
Challenge any errors found
4
Guidance
Action plan to improve score
✓ Common Situations Where This Helps
- Repeatedly refused for credit or loans
- Want to check file before mortgage application
- Found unexpected entries on credit file
- Want to understand why credit score is low
- Preparing for a major purchase (car, home)
- Rental application rejected due to credit check
❓ Frequently Asked Questions
No. Credit scores are affected by many factors and take time to improve. We
can identify errors to dispute, explain what negative entries mean, and give realistic guidance on
steps that may help — but cannot guarantee results.
You can get free reports directly from Experian, Equifax, and TransUnion.
These are genuinely free — not trials. Use the official websites: experian.co.uk, equifax.co.uk,
and transunion.co.uk.
Defaults and CCJs: 6 years from date of entry. Bankruptcies: typically 6
years from discharge. IVAs: typically 6 years from completion. These are set by law and cannot be
shortened simply by asking.
⚠️ Important Information
Accurate, fairly recorded negative information cannot be removed simply by requesting it. Results take
time and cannot be guaranteed. We focus on identifying errors and providing realistic guidance on
improvement steps.
Indicative Fee:
Fee agreed before any paid work begins. Simple advice from £150 +
VAT.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Insolvency Marker Support
Credit File CorrectionsInsolvency entries on your credit file — including bankruptcy, Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and Protected Trust Deeds — remain for a set period as required by law. In some cases, these entries are recorded incorrectly, or they have not been removed after the correct time has passed. We help you identify and correct these issues.
Who This Helps
People who believe an insolvency entry on their file is incorrect; those whose insolvency should have been removed but hasn't been; individuals whose circumstances have changed and want to understand their file; anyone with concerns about how an insolvency entry was recorded.
Documents Needed
Credit report clearly showing the insolvency entry; discharge or completion documents from the insolvency practitioner or court; court or Insolvency Service correspondence; any receipts or evidence of payments made during the insolvency.
What We Do
Review the entry against legal rules on retention periods; identify any errors or overdue removals; help you contact the credit reference agency or insolvency practitioner; guide you through the correction process; follow up until the file is accurate.
Our Process
1
Review
Check entry against legal rules
2
Documents
Gather discharge evidence
3
Contact
Raise with CRA or IP
4
Resolution
Ensure correct removal/update
✓ Common Situations Where This Helps
- Bankruptcy discharge but entry still showing
- IVA completed but not removed from file
- Entry showing incorrect status or dates
- DRO still showing after 12 months have passed
- Wrong insolvency type recorded
- Entry incorrectly linked to your file
❓ Frequently Asked Questions
Bankruptcies: 6 years from discharge date (or 6 years from start if not
discharged). IVAs: typically 6 years from completion. DROs: 12 months from the DRO start date.
These are legal requirements — entries cannot be removed early unless they are incorrect.
No. If an insolvency entry is accurately recorded and within the legal
retention period, it cannot simply be removed because you want it gone. However, if it's
incorrect, overdue for removal, or wrongly applied, we can help challenge it.
Start with the credit reference agencies (Experian, Equifax, TransUnion). If
they don't act, you can escalate to the Financial Ombudsman Service. For some issues, you may need
to contact the Insolvency Service or your insolvency practitioner directly.
⚠️ Important Information
Accurately recorded entries within the legal period cannot be removed early. We can only help where
entries are incorrect, overdue for removal, or incorrectly applied. Free guidance also from the
Insolvency Service.
Indicative Fee:
Fee agreed individually based on complexity. Contact us for a free
discussion about your situation.
Free debt advice is always available first — we explain your free options before
any paid service. MoneyHelper
↗
Important: Outcomes depend on individual circumstances and decisions of creditors, courts and third parties. We do not guarantee removal of any debt, default, judgment, CIFAS marker or credit entry. Free debt advice is always available first from MoneyHelper, StepChange, National Debtline and Citizens Advice.
13+Years helping clients
12FCA-regulated services
FCAAuthorised · FRN 746010
£0Hidden charges — ever
Why people trust us
Why people choose First Credit Advice Limited
01 — Advice
Straight-talking advice
We explain your options in plain English — including free alternatives. No jargon, no pressure. You choose at your own pace.
02 — Fees
Transparent, agreed fees
All fees are explained and agreed in writing before any paid work begins. No hidden charges. No unexpected bills. Ever.
03 — Regulated
FCA authorised & accountable
Authorised by the FCA (FRN 746010). If something goes wrong, you can refer to the Financial Ombudsman Service — free for consumers.
04 — Confidential
Confidential & respectful
Debt is stressful. We handle every enquiry with discretion and care — for individuals and businesses of all sizes.
05 — Free first
Free options always first
We always tell you about MoneyHelper, StepChange and National Debtline before recommending any paid service.
06 — Experience
13+ years of UK experience
Established in 2012. We have helped clients across the full range of UK debt problems — secured, unsecured, government, tax and business.
Simple, transparent process
How it works — four clear steps
No forms, no commitments before speaking to us. Just tell us your situation — we'll take it from there.
1
Get in touch
Call, email or request a free callback — no forms to fill in first. Just tell us what's happening and we'll listen.
2
Free discussion
We explain all your options — free advice first, then paid services if appropriate. You choose, at your pace, without any pressure.
3
Fees agreed in writing
If you decide to proceed, all fees are confirmed in writing before any paid work begins. No surprises. No hidden charges.
4
We act for you
We contact creditors, courts or agencies on your behalf and keep you informed every step of the way until your situation is resolved.
Transparent pricing
Fee calculator
Get an indicative fee in seconds. All fees are confirmed in writing before any paid work begins. Free advice is always explained first.
Select your service
Selected amount: £5,000
Indicative fee for your case
£300
+ VAT where applicable
Per debt negotiated.
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💡 Free debt advice first:
Before any paid service we explain your free options — MoneyHelper ↗, StepChange and National Debtline. Your choice, no pressure.
Before any paid service we explain your free options — MoneyHelper ↗, StepChange and National Debtline. Your choice, no pressure.
Your 14-day cancellation right
Arrange services online, by phone or by post and you can cancel within 14 calendar days of signing — with a full refund if no substantial work has been done. All explained before you commit.
Full fee schedule
All fees are confirmed in writing before any paid work begins.
| Service | Fee |
|---|---|
| Negotiation — £500–£1,500 | £200 + VAT |
| Negotiation — £1,501–£9,999 | £300 + VAT |
| Negotiation — £10,000–£25,000 | £500 + VAT |
| Negotiation — over £25,000 | £1,000 + VAT |
| Default case | From £300 + VAT |
| CCJ case | From £500 + VAT |
| First bi-annual and annual review | Free |
| Reschedule plan (within 1st year) | Free |
| Reschedule plan (after 1st year) | £100 per debt |
Client feedback
What our clients say
Responded quickly and explained everything in plain English. No jargon, no pressure. The fees were made very clear upfront before anything started.
I thought I had no options with my CCJ. The advice I received here was clear, realistic and genuinely helpful. Quick to respond and easy to talk to.
Very professional and reassuring. They were honest about what was and was not achievable, which I really appreciated. Kept me informed at every stage.
I was overwhelmed with letters from creditors and did not know where to turn. They explained the process clearly and dealt with everything on my behalf.
The team took the time to explain all my options, including the free ones. I felt genuinely supported throughout, not pressured into anything.
Client feedback published with consent. Names anonymised. No specific outcome claims implied.
Real Results
Success Stories
Examples of how we have helped clients regain control of their finances.
Multiple Credit Card Debts
Situation:
Owed £18,500 across 4 cards
Resolution:
Negotiated settlement to £7,500
Client was struggling with minimum payments. We negotiated directly with creditors to freeze interest and agree to a significantly reduced full and final settlement figure.
Threat of County Court Judgment (CCJ)
Situation:
Court papers received for £6,200 loan
Resolution:
CCJ avoided, affordable plan agreed
Client received a claim form and was panicked. We intervened within the 14-day window, halted the court action, and established a manageable £80/month repayment plan.
Mortgage Arrears & Repossession
Situation:
£4,500 in arrears, eviction notice served
Resolution:
Eviction stopped, arrears capitalized
We represented the client at the possession hearing, demonstrating a change in circumstances. The judge suspended the eviction and the lender agreed to add arrears to the main balance.
We explain your options clearly — and only recommend paid work where it is appropriate for your circumstances.First Credit Advice Limited — our commitment since 2012
FCA Authorised · FRN 746010
Est. 2012
Company No. 08155619
ICO · Z3299816
Individuals & businesses
About us
Honest debt advice since 2012
First Credit Advice Limited is an FCA-authorised UK debt help firm established in 2012. We support individuals and businesses through some of the most stressful financial situations — creditor pressure, court action, defaults, CIFAS markers, mortgage arrears and tax debt.
Our approach is simple: plain-English, ethical advice with genuine support. We explain every option — including free ones — and only recommend paid work where it genuinely serves your interest.
- ✓We never promise outcomes we cannot control — honest expectations always
- ✓Free options always explained before recommending paid services
- ✓Fees agreed in writing before any paid work — no surprises
- ✓Your information handled with strict confidentiality
- ✓Supporting individuals and businesses of all sizes
- ✓FCA authorised — Financial Ombudsman access if things go wrong
Accountability & authorisation
Regulatory information
FCA Authorisation
Authorised and regulated by the FCA. FRN: 746010. Debt counselling and debt adjusting permissions.
Verify on FS Register ↗Companies House
Registered in England & Wales. No. 08155619. Incorporated 25 July 2012. Registered office: 27-43 St James House, Eastern Road, Romford, RM1 3NH.
View on Companies House ↗Financial Ombudsman
Consumers can refer unresolved complaints to the FOS — free, within 6 months. Independent of FCAL.
Visit the FOS ↗Standard Financial Statement
Member of SFS/Money Advice Service framework. Membership No: 12884853.
< href="https://sfs.moneyadviceservice.org.uk/" target="_blank" rel="noopener">About the SFS ↗
Customer care
We take your rights seriously
Complaints procedure
If you are unhappy with any aspect of our service, please contact us first. We investigate all complaints fairly and promptly.
- Contact us by phone, email or post with your complaint details
- We acknowledge promptly and investigate thoroughly
- Final response within 8 weeks
- If unresolved, refer to the Financial Ombudsman Service (FOS) — free, within 6 months
FOS: financial-ombudsman.org.uk · 0800 023 4567 (free)
Supporting vulnerable customers
We recognise customers may be in vulnerable circumstances and provide extra care in line with FCA Consumer Duty expectations.
- Extra time — no pressure or impatience
- Adjusted communication on request
- No pressure tactics with customers in distress
- Free support always signposted before paid services
- Trusted third parties accepted with consent
Tell us your needs at any point — phone, email or in writing.
Common questions
Frequently asked questions
Honest answers to the questions we hear most. Not here? Ask us directly →
Yes. Your first conversation with us is completely free, with no obligation to proceed.
We will explain all available options — including free alternatives — before you consider anything paid.
Free, impartial advice is available from MoneyHelper (moneyhelper.org.uk · 0800 138
7777), StepChange (stepchange.org · 0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice.
We always signpost these before recommending any paid service.
Yes. We explain free and formal options where relevant, including Breathing Space, Debt
Management Plans, IVAs, Debt Relief Orders and bankruptcy. We do not sell every solution ourselves and
will signpost specialist or free advice where that is more suitable.
No. We never promise guaranteed outcomes. Whether an entry is removed or amended depends
on evidence, the lender or organisation involved, and their own processes. Accurate, fairly recorded
information cannot simply be removed. We will always give you an honest, realistic assessment.
If you arrange our services online, by phone or post, you have the right to cancel within
14 calendar days of signing by writing to us. Full refund if no substantial work done; reasonable charge
if work started at your request before cancellation.
Yes. First Credit Advice Limited is authorised and regulated by the Financial Conduct
Authority (FRN 746010). You can verify this at register.fca.org.uk. We are registered in England and Wales
(company number 08155619) and ICO registered (Z3299816).
Please contact us first — we aim to resolve all complaints promptly and fairly. If
unresolved within 8 weeks, you have the right to refer to the Financial Ombudsman Service (FOS) free of
charge at financial-ombudsman.org.uk or 0800 023 4567.
Yes. We help sole traders, partnerships and limited companies, including businesses
struggling with Bounce Back Loans or CBILS repayments. Business debt can be complex and we will explain
your options clearly.
Fees are explained clearly and agreed in writing before any paid work begins. Negotiation
fees range from £200–£1,000 + VAT per debt depending on balance. Default cases from £300 + VAT. CCJ cases
from £500 + VAT. No hidden charges. Use our fee calculator above for an estimate.
Last reviewed: by First Credit Advice Limited
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Registered office27-43 St James House, Eastern RoadRomford,
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