Debt Management
Plan (DMP)

Debt Management
Plan (DMP)

  • Dedicated professionals on your side
  • Affordable monthly payments
  • Your interest & charges may be frozen

How we could help

Reduce your monthly payments

We could reduce your payments towards your unsecured debts, giving you room for the essentials such as food, clothing, and rent.

We'll deal with your lenders

Once accepted, we’ll help to reduce the letters, emails, and calls and deal with your lenders on your behalf.

Start to become debt free

Start to get debt free at a rate that’s affordable to you so you don’t have to get by without the essentials.

Get started

A Debt Management Plan (DMP) is designed to help anyone who may be struggling to repay their lenders. Any debts which are managed through a DMP will ultimately be paid off in full providing payments are maintained until the end.

Payments are calculated on what you can afford and not on what you owe. Any communication you receive from lenders will be managed by us.

The process begins with a review of your financial income and expenditure. Once completed we’ll have an idea of what you can pay towards your existing debts. This is after you have paid essential bills such as rent or mortgage, utilities and council tax. We will then hold discussions and negotiate with your creditors with a view to reducing monthly payments which, if successful, may increase the length of time taken to repay what you owe to your creditors.

When we review your finances and conclude your monthly ‘disposable income’ you will need to have at least £80 to be considered for a DMP.

There are some debts which are excluded from a DMP. These include fines, tax, student loans, current council tax, selected benefits, gas and electric utilities arrears and child support.

We can, depending on circumstances, also include social fund loans within a DMP. Only unsecured debts can be included on a DMP.

Reduce your monthly payments

We could reduce your payments towards your unsecured debts, giving you room for the essentials such as food, clothing, and rent.

We'll deal with your lenders

Once accepted, we’ll help to reduce the letters, emails, and calls and deal with your lenders on your behalf.

Start to become debt free

Start to get debt free at a rate that’s affordable to you so you don’t have to get by without the essentials.

Get started

What is a Debt Management Plan?

A Debt Management Plan (DMP) is designed to help anyone who may be struggling to repay their lenders. Any debts which are managed through a DMP will ultimately be paid off in full providing payments are maintained until the end.

Payments are calculated on what you can afford and not on what you owe. Any communication you receive from lenders will be managed by us.

Get started

How does a Debt Management Plan work?

The process begins with a review of your financial income and expenditure. Once completed we’ll have an idea of what you can pay towards your existing debts.

This is after you have paid essential bills such as rent or mortgage, utilities and council tax. We will then hold discussions and negotiate with your creditors with a view to reducing monthly payments which, if successful, may increase the length of time taken to repay what you owe to your creditors.

Get started

Do I qualify for a Debt Management Plan?

When we review your finances and conclude your monthly ‘disposable income’, to be considered for a DMP with us you will need to have at least £80.

There are some debts which are excluded from a DMP. These include fines, tax, student loans, current council tax, selected benefits, gas and electric utilities arrears and child support.

We can, depending on circumstances, also include social fund loans within a DMP. Only unsecured debts can be included on a DMP.

Get started

Get debt help now

Complete the online form and one of our friendly advisors will call you to discuss your options.

Get started

Answer a few online questions so we can find the most suitable debt solution for you.

Talk to an expert

Speak to an advisor so we can help reduce your payments and set everything up.

Take back control

Continue with the professionals on your side until you are debt free!

Is a Debt Management Plan right for me?

As with any debt solution there are consequences of entering into a DMP, these include:

A DMP will have a negative impact on your credit score, any defaults will appear on your credit file for 6 years.

Making less than contractual payments to your lenders may result in you paying more over a longer period of time.

Lenders are not obliged to freeze interest or charges

If you miss or make late repayments then your creditors may contact you directly to discuss it further.

If you make your payments in weekly or fortnightly installments, we hold the installments until we have the full payment for each payment period before we send the money to your lenders. You may fall into arrears during this period.

Fees are payable if ongoing services are provided, read about Fees and Key Information here.

For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here.

Fantastic...

Fantastic service right from day one. Even when I've struggled there's always been a friendly voice at the end of the phone to support me. Harrington Brooks are a fantastic way to get back on track. If you're having problems with debt, give them a call!

Get debt help now

Complete the online form and one of our friendly advisors will call you to discuss your options.

Get started

Answer a few online questions so we can find the most suitable debt solution for you.

Talk to an expert

Speak to an advisor so we can help reduce your payments and set everything up.

Take back control

Continue with the professionals on your side until you are debt free!

Real people, real stories

Jade works in catering. She was £34,293 in debt from loans, credit cards, store cards and payday loans. Her debt built up whilst studying at University.

Figures based on an actual customer who was recommended a DMP. Alternative debt solutions may be offered. DMPs are available subject to eligibility and acceptance.

One off
payment of £90

Debts written
off after 12 months

We helped
to write off £20,000

Real people, real stories

How we’ve helped 1000s of people build a brighter future.

Jade works in catering. She was £34,293 in debt from loans, credit cards, store cards and payday loans. Her debt built up whilst studying at University.

Figures based on an actual customer who was recommended a DMP. Alternative debt solutions may be offered. DMPs are available subject to eligibility and acceptance.

Jade's total
unsecured debt £34,293

Previous monthly payment £608

New monthly
debt repayments £245

Get started

Get debt help now

Complete the form and one of our friendly and confidential advisors will call
you back to discuss the way forward.

  • Completely anonymous
  • Free eligibility check

What is your Debt Level?

£4000

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