A debt management  plan/programme can be used to solve most problems you may have with your unsecured debts. It is an informal arrangement that is suitable if you do not have very significant debts, do not have a very high disposable income, or you expect that your circumstances may change in the near future.

The advantages of this plan are:

• You make one affordable payment each month to us, which we will distribute to your creditors on your behalf.
• We will negotiate to try to reduce or freeze any interest or other charges on your debts, although we cannot guarantee this.
• Your plan is fully flexible and can be changed at any time to suit your changing circumstances and needs.
• You can cancel your plan at any time with no penalty to yourself.

We keep your plan under regular review and, if we believe that a better solution has become available, we will tell you about it. Then you can make an informed choice about what you want to do.