Fees & Key Information


What are the fees for your solutions?

If you enter into a debt solution with us, there may be fees involved. As one of the longest-standing debt help providers in the UK, we promise our customers an excellent service, and we will always ensure our fees stay competitive.

Will my credit score be affected?

Any debt solution that involves paying less than originally agreed will have an impact on your credit rating for a minimum of six years. We’ll talk you through all the pros and cons of each solution before you sign up for anything.

What if I change my mind?

If you choose to enter a solution with us, you have the right to cancel the agreement at any point within the first 14 days. If you do, you will receive a refund of any fees you may already have paid to us during that time.

Debt Management Plan fees

A management fee will be charged of 18.5% of your regular payment to the Debt Management Plan (DMP) (this could be every four weeks or monthly depending what suits you best and when you receive your regular income), and is subject to a minimum of £38.50 and a maximum of £90. This fee covers the month-to-month running of your DMP, including negotiating with your lenders, distributing payments and taking care of correspondence between you and your lenders.

This fee also covers our regular reviews of your circumstances - normally once every 12 months (or any other time your circumstances change). If your situation has changed and your ability to keep up with your debt management plan is affected, we can talk to your lenders about changing your payments accordingly.

For example if you owe £7,239 to your unsecured lenders and can afford regular monthly payments of £286 to the DMP
The monthly fee is £54
The minimum estimated repayment term is

This assumes that regular payments are maintained without default, and that the lenders agree to freeze interest and charges. This is not guaranteed and, if they don’t, it will take longer to clear the balance in full.
85 months
The total fees payable over the full term of the DMP are £3,969
The total amount to be repaid including the original debts £11,208

Individual Voluntary Arrangement Fees

We will only charge you a fee if your Individual Voluntary Arrangement (IVA) is proposed and accepted by your lenders.

All fees are paid out of – not in addition to - your regular affordable monthly payments.

Once your IVA has been accepted, the fees you pay will be:

  • A nominee’s fee
  • Supervisor’s fees
  • Costs/expenses

Nominee’s Fee

This fee covers our professional costs and charges for arranging your IVA including:

  • Preparing your IVA proposal - which sets out the proposed terms of your IVA and provides your lenders with a detailed snapshot of your finances
  • Organising the creditors’ meeting, in which lenders can request changes to the terms of your IVA

It will typically be between £1000 and £2700 and is often capped to an amount equal to your first 4-6 months’ IVA payments. The Nominee’s fee will be paid first before any payments are made to your lenders. In most cases, the total fees and costs will not exceed £3,650.

Supervisor’s fees

The Supervisor’s fees cover the ongoing work involved in running your IVA and is calculated as a percentage of “realisations”: typically it is charged at 15–18% of any money received by the Supervisor and distributed to your lenders, such as your monthly contributions, any assets (e.g. the equity in your property, successful PPI misselling claims) and windfalls (e.g. an inheritance) that you receive during the term of your IVA.


We are also entitled to claim back the cost of certain expenses (such as postage, insurance, etc) incurred directly in connection with the running of your IVA.

The amount of our fees will be clearly set out your IVA Proposal. They must be approved, and may be changed before it is accepted, by your lenders.

The average fees paid by our clients are currently:
Nominee’s fees £1,272
Supervisor’s fees £1,310
Supervisor’s costs £950


England and Wales

The administration fee to apply for Bankruptcy in England and Wales is £680, which is payable to the Insolvency Service via gov.uk. To apply for bankruptcy you will need complete an online application and submit this to the Insolvency Service where an adjudicator will then consider your application.

Northern Ireland

You will need to apply to the High Court for your Bankruptcy and your local Citizens Advice Bureau can assist you with this process.

There are three fees that you will need to pay when you take your petition to the Court:

  • A fee of £525 towards the costs of administering your bankruptcy
  • The Court fee of £115 (this fee may be waived in some circumstances, the court staff will be able to advise you)
  • A fee payable to a solicitor relating to the Statement of Affairs which costs approximately £7.

Debt Relief Order Fees

We are an approved intermediary (you can only apply for a Debt Relief Order (DRO) through an approved intermediary) and do not charge for these services.

If you decide to apply for a DRO, you will need to pay a fee an administration fee of £90 to the Insolvency Service when you submit your application.

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

We hope you’ll be happy with our service but, if you’re not, we want to hear from you so we can try to put that right. Read here for information about our Complaints Procedure and about your right to refer a complaint to the Financial Ombudsman Service.
Your payments into a Debt Management Plan are protected and compensation could be available from the FSCS if there are any shortfalls in funds held on a customer’s behalf.