Testimonials

“We are extremely satisfied with the level of service and professionalism combined with a friendly attitude of all the staff we spoke to, and would like to thank everyone at Harrington Brooks very much.”

Mr and Mrs B, Liverpool

“We were really pleased with the efficient way that Harrington Brooks handled our enquiry and by the speed in which our mortgage was finalised.”

Mr and Mrs S, Birmingham

“I found the staff at Harrington Brooks were all very polite, helpful and understanding. I couldn’t fault the level of service we received from start to finish.”

Mr J, Warrington

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About Harrington Brooks Ltd.


Harrington Brooks is one of the longest established financial practices in the UK, with an unrivalled reputation with Government Legislative Bodies, Regulators and Creditors alike.

Established in 1998, Harrington Brooks offers people who are in debt a full range of solutions, all under one roof. We have specialist teams of expert advisors who understand all the different debt solutions available and will advise on the most appropriate solution, dependant on our client's unique circumstances.

We have helped over 40,000 clients by repaying over £130 million of debt through Harrington Brooks.

Harrington Brooks are an ISO 9001 registered company. ISO 9001 is the internationally recognised standard for the quality management of businesses.

This, shows that we are committed to delivering a quality service to our customers with continual service delivery training for our staff.

The award of the ISO 9001 kite mark demonstrates the existence of an effective quality management system that satisfies the rigours of an independent, external audit.

Harrington Brooks is committed to a process of ongoing quality improvement for the benefit of our customers.

Harrington Brooks IVA is a trading style of One Advice Ltd. (Registered in England and Wales. Company number 5394623), a wholly owned company of the Harrington Brooks Group Ltd.

One Advice Ltd is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling.

Consumer Credit Licence No. 572829

Data Protection Number: Z9093576

Harrington Brooks Debt Management is a trading style of Harrington Brooks (Accountants) Ltd. (Registered in England and Wales. Company number 3592213), a wholly owned company of the Harrington Brooks Group Ltd.

Harrington Brooks (Accountants) Ltd. Is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling.

Consumer Credit Licence No. 627372

Data Protection Number: Z6082444

Harrington Brooks Debt Consolidation Loans, Re-mortgages and Equity Release is a trading style of Ask Finance Ltd (Registered in England and Wales. Company number 4229724), a wholly owned company of the Harrington Brooks Group Ltd.

Ask Finance is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit Licence No: 507130.

Ask Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.


Harrington Brooks Mortgage Help is a trading style of Ask Finance Ltd (Registered in England and Wales. Company number 4229724), a wholly owned company of the Harrington Brooks Group Ltd.

Ask Finance is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit Licence No: 507130.

Ask Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.

Harrington Brooks Bankruptcy is a trading style of One Advice Ltd. (Registered in England and Wales. Company number 5394623), a wholly owned company of the Harrington Brooks Group Ltd.

One Advice Ltd is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling.

Consumer Credit Licence No. 572829

Data Protection Number: Z9093576

Harrington Brooks Full and Final is a trading style of Harrington Brooks (Accountants) Ltd. (Registered in England and Wales. Company number 3592213), a wholly owned company of the Harrington Brooks Group Ltd.

Harrington Brooks (Accountants) Ltd. Is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling.

Consumer Credit Licence No. 627372

Data Protection Number: Z6082444


Individual Voluntary Arrangement (IVA):

  • Unsecured debts only
  • Initial debt advice is free but fees are payable if a debt solution is agreed.
  • An IVA should only be considered in extreme circumstances as failure to adhere could result in bankruptcy. Debt write off applies only where the IVA is accepted by at least 75% of your creditors (in terms of debt value) of those creditors who vote at the creditors' meeting convened to consider your IVA proposal and you have completed the, typically, 60 month term. Some homeowners may be required to release equity.
  • Fees and Costs: An estimate of the costs involved in the arrangement will be included within your proposal; however these fees are subject to change at the creditors meeting. Once the creditors have approved your IVA the basis of our fees will be set and an up to date schedule of fees will be issued to you. Chargeable fees are made up of Nominee's fees which relate to the assistance given to prepare your proposal and will be taken from the first payments made into your arrangement, and Supervisor's fees which relate to the ongoing monitoring, supervision and administration of your IVA and which will be charged on a monthly basis and deducted from the contributions you pay into the arrangement. No further fees are payable by you.
  • Credit Rating: A record of your IVA will be retained by credit reference agencies for a period of six years. Your credit rating will be impaired and it may be harder to obtain credit in the medium to long term.
  • Cooling Off Period/Right to Withdraw: You can withdraw your proposal for a voluntary arrangement at any point up and including the day of your creditor's meeting. Once the arrangement has been approved at the creditors' meeting and you have agreed to be bound by its terms, you have entered formal insolvency proceedings and no cooling off period applies.
  • Terms & Conditions apply.

The Insolvency Service have produced an 'In Debt? Dealing With Your Creditors' guide which summarises key features of each of the main ways of dealing with debt.

Financial Management Plans:

  • Unsecured debts only.
    Initial debt advice is free but fees are payable if a debt solution is agreed.
  • A key benefit of the Plan is the ability to only repay what you can afford each month. Clearly the consequence of this is that it will take longer to repay your debts, and creditors do not have to agree to freeze interest and charges. You will receive allowances to pay Secured and Priority debts.
  • Fees and Costs: An 'Initial Fee' is the set up cost of your Plan and is equal to two months disposable income, subject to a minimum of £295 and will be retained from your initial payment(s). Whilst you pay our initial fee, monies are not distributed to your creditors and this retained payment may place you in arrears.
    A 'Monthly Fee' payable for our services will be charged thereafter, equal to 17.625% of your monthly agreed disposable income, subject to a min of £35 and a max of £100.
  • Credit Rating: Entering into a Plan means contractual payments will be missed and your debt and repayment term could increase. Your credit rating will be impaired and it may be harder to obtain credit in the medium to long term as records will be retained by credit reference agencies for six years.
  • Cooling Off Period/Right to Withdraw: On receipt of your first payment we will issue to you a key features document and estimated fees schedule. If for any reason you wish to cancel we offer a seven-day cooling-off period from the date of said letter in which we offer a full refund of any fees which we have taken.
  • Terms & Conditions apply.

One Advice Group . Jackson House . Sibson Road . Sale . Manchester . M33 7RR . United Kingdom