Take Control of Your Debt – Start Today

Quick Navigation: Debt Management Options Refund Eligibility How to Make a Claim

Struggling with debt doesn't mean you're out of options. Whether you're dealing with credit cards, loans, or aggressive interest rates, there are effective strategies to reduce pressure, regain stability, and even reclaim money if you've been mis-sold financial products.

Debt Management Plans – A Smarter Way Forward

A Debt Management Plan (DMP) helps you reorganize your payments into a more affordable structure. It’s a practical route that stops interest charges, prevents legal action, and gives you breathing room to recover.

• Lower your monthly repayments based on your income.
• Covers unsecured debts like credit cards, overdrafts, and personal loans.
• Pause or stop creditor contact and interest build-up.
• Avoid the long-term consequences of insolvency or bankruptcy.

Could You Be Owed a Refund? Understand Financial Mis-Selling

Millions of people were given credit or financial products without proper checks or full explanations. If you were pressured, misled, or sold something unsuitable, you may be entitled to a refund — and potentially compensation.

• Credit limit increases without affordability checks.
• Loans or cards offered despite poor credit history.
• Unclear or hidden fees, charges, or misleading terms.
• Being encouraged to borrow more despite signs of financial stress.

How to Start a Claim – Step-by-Step

If you believe you were mis-sold a financial product, follow these steps to get the ball rolling:

• Gather all documents: account statements, contracts, emails, or complaint letters.
• Submit a formal complaint to your lender – clearly outline your concerns and evidence.
• If you're not satisfied with their response, escalate to the Financial Ombudsman Service.
• Still unsure? Consider speaking to a regulated financial adviser or claims specialist.

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