At Simple Debt Solutions, our experienced, ethical debt advisors will help deal with all your debt queries and will give you clear, jargon-free and impartial advice to help you decide which course of action is the best for you. We’re open 9.00am until 9.00pm 7 days a week or you can fill-in our online confidential form and we’ll get back to you.
1. Don't ignore the problem It won't go away and the longer you leave it, the worse it becomes.
2. Be wary of borrowing more money Don't borrow more money to pay off your existing debts with out getting professional advice first (Our fully trained debt advice team are available 9.00am until 9.00pm 7 days a week on 0800 389 5959).
3. Don't turn your unsecured loans into a mortgage without getting debt advice first.
4. Do not pay anyone for debt advice.
Being in debt isn't something you should feel ashamed about. It can (and does) happen to everyone. In our experience (and we have plenty) most people who get into debt difficulties are just like you and me. They're normal people doing normal jobs who, as a result of unforeseen circumstances (divorce, mortgage rate rises, unemployment, illness etc) find that their finances run away from them and sooner or later, they need sensible advice and an ethical debt solution. That's where we step in to help.
Remember you are not alone with your debt problem. Our friends at Credit Action regularly put together UK debt statistics and we thought it may be helpful to share them with you.
Want to find out more about The Facts?
Our commitment to customer service and truly impartial debt advice is demonstrated by the regular flow of customer reviews we receive at www.iva.com. This website allows users to rate the performance of an insolvency practice and provide feedback. We are very proud of the reviews - almost all rating us 10 out of 10 - and have reproduced them below.
| Review From Mr and Mrs A | 23 July 2008 |
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| Myself and my husband got into debt after the birth of our 2nd child and I was unable to return to work due to suffering with postnatal depression, we also had a 2nd property which we were unable to sell and had to cope with 2 mortgages and rising living costs on 1 wage. | |
| How Simple Debt Solutions helped them: | |
| I telephoned for advice and spoke to Juliette who was wonderful, she didn't judge us at all, she explained everything thoroughly and was very professional, she held our hands the whole way, she was always available when we had queries or when we just needed reassurance. I rated them 10 out of 10 because their speed and service was second to none. |
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| Review from Mr and Mrs G | 22 July 2008 |
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| I am a childminder and my husband a chemical technician. We both live in Swindon. We accumulated debts of £79,000. We had no equity in the property and were being threatened at all angles from different creditors. | |
| How Simple Debt Solutions helped them: | |
| We had a phone call out of the blue from a parent company offering us money back if we had a payment protection plan in progress. I explained that we didn't and we got talking about debts. The person put me through to a wonderful lady called Laura, we talked about the debts and amounts owed and what we could physically afford. She was always reassuring, helpful and very relaxed even when we were at breaking point on the phone to her. Proposed IVA sent to us within a matter of days, signed and 2 weeks later IVA approved. It might seem a bit far fetched but believe me, we cannot THANK them enough. We only wish we knew about them earlier. We wouldnt have gone through all the stress and trauma we have gone through in the last year. We would give a rating of 10/ 10 Wonderful company. They are very helpful and professional. | |
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| Review from Marie | 10 June 2008 |
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| Myself and my husband live in Sussex, we both have good jobs but we both took debts from previous marriages and CSA payments for our children. We found with the cost of living going up we got out of our depth and just kept borrowing more money to get by, we started to feel guilty and ashamed as we are both from what we would call normal families and we didn't think our friends or families would understand. Our combined dept grew to over 80K, we had no property to sell so things got really tough for us both and this started to effect our family. We were always shouting at each other and had no time for the children, people were calling the house and we would get more nasty letters than we could handle. | |
| How Simple Debt Solutions helped them: | |
| A friend gave me the number of Simple Debt Solutions, I called just to make enquires as I was a bit scared, I was sent lots of information but we agreed the best way for us was an IVA. From start to finish it was all very easy and we both were informed of everything which was happening. I rated Simple Debt Solutions 10 out of 10 because within a short space of time they proved to myself and my husband they could be trusted and they really did want to help us, Laura Daly is our contact and she is excellent, on more than one occasion she has listened to me crying on the phone but always put my mind at rest. |
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| Review from Miss O | 02 June 2008 |
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| I am a 26 yr old nurse, I was in just over 20k worth of debt and robbing Peter to pay Paul, I was sinking fast and was sure I was on my way to bankruptcy. Simple Debt Solutions talked over options with me and talked me through what an IVA means and how it works, I decided to go for this option and they helped me through the whole process and were very supportive. I'm now so much better off and feel so happy, especially as I don't have companies chasing me for money! | |
| How Simple Debt Solutions helped them: | |
| Rang them, they took me through my options and explained the whole process to me. I rated them 10 out of 10 because I was satisfied with the advice and treatment I was given. |
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| Review from Rick | 01 June 2008 |
| Their situation: | |
| I am a carpenter living in Hertfordshire and I had debts of 70k with no equity. | |
| How Simple Debt Solutions helped them: | |
| I rang them, they recommended an IVA, it was processed and agreed. I had to send them all of my details. My IVA was approved and I had 70k written off. Currently I live with my partner and son and we are very happy and can now move forward with our lives without the stress that I was under to try to meet unrealistic payments. I gave a rating of 9 out of 10 because they were very clear and positive, and I felt I could trust them. |
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| Review from David from Hull | 30 May 2008 |
| Their situation: | |
| I am a Sales Manager in Hull. At the time of contacting Simple Debt Solutions we had joint debts of £39k, and property with £16.6k equity. | |
| How Simple Debt Solutions helped them: | |
| The whole process was very quick; we had been referred on by a debt management company as all other options had been explored. The review of the case took a couple of days with a recommendation that a full and final settlement could be reached, the IVA would last for a period of 3 months, after which we would be released. The proposal was received within a few days of this offer of help. The IVA was implemented in the court in February and completion was in Mid May. The proposal was accepted with only one caveat on the IVA which was we had to provide a minimum dividend of £0.40p in the £. I rate Simple Debt Solutions as a 10 out of 10 for the following reasons: (1) The speed at which the process was completed, as every day lost meant our debts increased. (2) They managed to keep a higher equity value in our house than I ever expected. (3) The Full and final option put forward meant we spent only 3 months from inception to completion in the IVA. (4) After appointment, Simple Debt Solutions dealt with all creditors and paperwork, and the endless phone calls from creditors stopped overnight. |
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| Review from Mr S | 18 May 2008 |
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| I'm an Engineer with debt around £30k, one call to Simple Debt Solutions and the stress/worry was lifted almost instantly, without Simple Debt Solutions I would have gone bankrupt for sure causing my family and myself heartache. | |
| How Simple Debt Solutions helped them: | |
| I could not see any other option than to enter an IVA, which I was dreading but Simple Debt Solutions made the whole process easy. I highly recommend and rate them 10 out of 10!. | |
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| Review from Mr B | 14 May 2008 |
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| I am a 23yr old living in Gloucestershire. With the help of my ex fiance we managed to rack up over £30,000 worth of debt. Needless to say our outgoings were extremely high, some months more than our earnings. Simple Debt Solutions helped me to overcome the worry and concern about my debt and helped me take control of my finance again. | |
| How Simple Debt Solutions helped them: | |
| I called moneyexpert.com and they suggested I spoke to someone concerning my debt. They took my details and Simple Debt Solutions called me back. I went through all my debts, what my monthly income was and how much I could afford to repay. A meeting was then held with my creditors and luckily the IVA was accepted. The staff at Simple Debt Solutions have kept me informed and always had a professional but friendly approach during contact. I rated Simple Debt Solutions 10 out of 10 on all aspects because they have been so helpful and supportive. |
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| Review from KG | 13 May 2008 |
| Their situation: | |
| I had £19k worth of debt. | |
| How Simple Debt Solutions helped them: | |
| I spoke to Juliette Weatherby who was extremely helpful. I rated them 10 out of 10 because they made me feel comfortable with the situation, they got me out of a big mess and their personal approach was fantastic. | |
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| Review from Barry | 10 May 2008 |
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| I am a soldier working in Germany, I had £50K of debt, bankruptcy was not an option because I would have lost my job, I spoke to Simple Debt Solutions and was helped every step of the way. | |
| How Simple Debt Solutions helped them: | |
| I rated them 10 out of 10 not just because of the help I received when I first set up the IVA, but also because they have been there to help every step of the way and they are very understanding of your personal circumstances. | |
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| Review from Steph | 21 April 2008 |
| Their situation: | |
| I am a personal assistant living in London. I had £30k of debt. | |
| How Simple Debt Solutions helped them: | |
| I called Simple Debt Solutions and was immediately reassured. I was assigned to a Juliette Weatherby who was extremely helpful, patient and non-judgmental. The IVA was sorted out in a matter of weeks and a few months later the IVA was approved with the best possible solution for me. I rated Simple Debt Solutions 10 out of 10 because prior to speaking with Simple Debt Solutions I was at my wits end, but they put my mind at rest and after talking to them, I was reassured and my stress was taken away. |
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| Review from Mr and Mrs F | 07 April 2008 |
| Their situation: | |
| We are a married couple with 2 children and £42k of debt. | |
| How Simple Debt Solutions helped them: | |
| I called and dealt with Juliette and still speak to her regularly - absolutely brilliant customer service - always willing to listen and always ready with alternative suggestions and advice. I rated them 9 out of 10 and gave such high marks due to the excellent customer service. | |
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You can read all of our reviews and feedback in full by visiting www.iva.com/iva_companies/Simple_Debt_Solutions.asp