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Debt Management

How to choose the right debt management company

What are the benefits of debt management?

Typical Debt Management Plan Example

Currently Paying £610 per month

Paying £195 via your Debt Management Plan including fee of £30

Reduction in outgoings £415 per month

Can you guarantee Interest and Charges will be stopped?

Most creditors will freeze interest and charges BUT this cannot be guaranteed. Creditors are more willing to deal with a debt management company which operates under the government Protocol than one that does not.

How long will my plan last?

This all depends on how much you can afford to pay, but if you are paying a reduced amount to creditors it may take longer to repay your debts.

How will it affect my credit rating?

Unless you make full contractual payments to a creditor your credit rating will become impaired and mainstream creditors will be unlikely to lend you more money. In reality borrowing more money is not the right answer and so you should talk to us about the right solution for your circumstances.

How do I know if debt management is right for me?

The best way to find out is to talk to one of our advisors – they will explain all the options to you, and work with you to find the best solution to your problem.

What is the debt management “Protocol”?

The Government wanted to ensure that debt management companies operated to a high standard and quality of service, as a result the “Protocol” was introduced as a voluntary code. To be approved as complying with the Protocol, a company must undergo a rigorous audit and when a company is accepted as Protocol compliant, they are allowed to display the logo. It doesn’t stop there and regular checks are undertaken to confirm we are operating to the high standards expected. There are only a small proportion of debt management companies who have demonstrated they’ve reached the standards required.

What are the fees in debt management?

For all debt management plans set up after 6th April 2016 there is no charge for setting up the plan. To cover the cost of administering your plan there is a monthly management fee which is based on how much you pay but has a minimum of £30 per month. To see full Terms and Conditions- please click here.

Can I get a debt management plan without paying fees?

There are a number of places you can find free debt management:

Here’s a list of organisations and how to contact them for free debt management advice:

Call one of our friendly advisors and we can
Start Your Journey to Debt Freedom...
0845 274 8000
Usually Charged At Local Rate
Cheaper From A Mobile
Latest Financial News:   Welcome to the new Pathfinder Financial Services Website      Read more →

Pathfinder Financial Services also trades as DebtManagementUK and is a company registered in England number 7039857, Data Protection Registration number Z2019459, Consumer Credit Licence number 0659592. Authorised and regulated by the Financial Conduct Authority. All telephone calls are recorded and monitored. When calling our “0845” from a BT landline, the call may be free depending upon which plan you are on. If you are calling from a mobile it is probably cheaper to dial our “0161” telephone number. On this website we also provide hints, tips and guidance including a link to free services provided by the Money Advice Service. You will find a wealth of useful information on this site

Our registered office address is Barton Hall, Hardy Street, Eccles, Manchester M30 7NB

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