Lower Monthly Debt Repayments

To qualify you must owe at least £3,000 to different lenders, be struggling with current repayments but be able to pay at least £100 per month. We do not provide loans Debt Management Example

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  • A flexible & informal plan that suits you
  • We deal with all creditors on your behalf
  • Reduce payments to 1 easy affordable monthly payment
  • If you're not sure of who all your creditors are, we can help
  • We're the cheapest Debt Management Company in the UK

Just some of the creditors we can help with

Creditors we Can help with

Get in touch with us

Call 0800 888 666 5 to talk to an advisor in confidence

Why choose National Debt Relief?

1) No upfront fees - Saving you time and money

We are one of the only Debt Management companies who do not charge upfront fees. Paying any provider upfront fees will only cost you extra money that is completely unnecessary and could be going towards your creditors.

2) Instant set up

We can set up your Debt management Plan on the day you speak with us if you wish.

3) High acceptance rate

We have a good relationship with creditors and we fight very hard for every client to make sure their Debt Management Plan is carefully considered by the creditors so they can get the best outcome possible. We aim to get interest and charges frozen in your Plan wherever possible, although we cannot guarantee this.

4) Excellent Customer Service

We have an excellent customer care team. We are a family run company and our advisors have all been with us for many years. They are highly trained and will be able to answer any question quickly and professionally. You will also find us very friendly.

Our Philosophy

At National Debt Relief we are driven by providing just that...

"Debt Relief" to people who really need it.

We believe that everyone should have access to sound advice, information and the best possible options for their situation. We pride ourselves on offering good quality, caring customer service.

Our philosophy is reflected in the feedback we receive from our many happy clients and the results in the successful plans we put forward. Read some of our testimonials below taken from our many client reviews.

Frequently asked questions

Below are just some of the questions we are asked most often. If you have your own question that is not answered please ask by clicking on the Ask a Question button below.

What are the advantages of a Debt Management Plan?

  • An Informal agreement that can be stopped at any time should your circumstances change (for better or worse).
  • Interest and Charges could be frozen if creditors agree. We will negotiate with creditors on your behalf, so offers are more likely to be accepted and interest frozen than if you try to do this yourself.
  • Creditor Pressure is eased as you can direct them to our DMP Team.
  • 1 easy monthly payment to cover all of your unsecured debts.
  • Payments are tailor-made to suit your individual needs.
  • You do not have to release equity from property.
  • You will repay all of your debts in full (unless you opt out of the plan).
  • The Agreement is preferred by creditors.

What are the disadvantages of a Debt Management Plan?

  • A Debt Management Plan can remain on your credit file for some time after completion if a default notice has been issued.
  • If your creditors refuse to freeze interest or charges this can lead to increased debt level as repayments are lower than original contractual payments.
  • Debts could be repaid over a longer period of time than if contractual payments were made.
  • You will repay debts until they are paid in full or until your decide to opt out of the plan.
  • Repaying debt over a longer period of time may increase the total amount to be repaid.
  • Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term.

What debts are covered by Debt Management?

A Debt Management Plan includes any unsecured debts such as loans, payday loans, credit cards, store cards, overdrafts etc... If you are struggling to pay secured debts such as your mortgage or HP agreements we will ensure these outgoings are prioritised in your income and expenditure calculation, so you do not fall behind on payments. We will always suggest ways to deal with your secured and priority debts.

Will my credit rating be affected in a Debt Management Plan?

Yes. As we negotiate a reduction in your monthly payments, and you are no longer repaying the agreed amount to your creditors, a note of this may be made on your credit report. If you currently have arrears or a history of missed payments or late payments your credit rating will already be affected.  Records are retained by the credit reference agency for 6 years.

Will the Creditors accept my lower Debt Management Payment?

We are extremely successful at negotiating with creditors and have a proven track record of getting offers accepted. We would like to make you aware that a creditor does not have to accept a reduced payment or to freeze interest and charges and this may result in your repayment term being extended. There is also no guarantee that any existing or threatened proceedings will be suspended or withdrawn. Any further collection actions may incur costs that will normally be added to the debt.

We have a dedicated Creditor Liaison department who will negotiate with your creditors on your behalf. Your dedicated Finance Manager will keep you informed.

Will my employer find out?

No. National Debt Relief offers a complete guarantee of confidentiality and privacy in relation to your financial affairs. We will never disclose any information about you to any outside organisations and will never say who we are when we call you. This means that you can feel safe in providing your contact information, without the worry that others will find out that you are seeking our help.

How much will it cost me to do a Debt Management Plan with you?

We are happy to provide you with debt advice only. We only charge a fee if you opt for one of our debt solutions. All fees will be discussed prior to commencement of any service or debt repayment plan. For our Debt Management Plans, we do not charge set up fees as we believe this to be unethical. We do have a monthly charge for working on and managing your plan which is built into your monthly payment to your creditors. This charge is one of the most competitive in the Industry (£25 plus £2 per acount per lender per month). We strive to be the cheapest Debt Management Company in the Industry. Our management fee is subject to a minimum of £25 per month and a maximum of £50 per month.

Click here to read our fees and key info

Are there other advice agencies?

From time to time we may refer you to other services providers or charities such as the CAB.

You can get free debt advice from MoneyHelper – an organisation set up by the Government to offer free and impartial advice to those in debt. Click here for more information.