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Wellbeing Services Debt Management Plans

0845 466 7152

Wellbeing Services was established in 1997 and is licensed by the office of fair trading to provide free and confidential advice on debt management plans for individuals and families.

Are your outgoings are more than your income and your creditors are threatening you with- default notices, bailiffs, solicitors, debt collectors, court summons, attachment of earnings.

If you can answer yes to any of the above then a debt management plan may be the solution. A debt management plan will remove the stress and worry that comes with being in debt and thus help you to get back to a position of normality.

We will act on your behalf and negotiate lower repayments with all of your creditors. In some instances this could reduce your outgoings by as much as 90 per cent. We will also request that interest be frozen on every account.

All you have to do is make affordable monthly payments to our client account and we will do the rest. The monthly payment that you make is agreed in advance of setting up the debt management plan. It is based on what you can realistically afford to pay your creditors, after taking in to account your total household expenditure.

We will also continue to act in your best interests by:

Paying all your creditors the agreed sum on a monthly basis.
Carrying out regular reviews of your financial situation as required by your creditors or yourself.
Liaising with your creditors and yourself on any matter arising out of the debt management plan.
Forwarding to you regular statements of your account.

On completion of the debt management plan your liability is discharged in full.

To see if you qualify for a Debt Management Plan, please enter your details below and a member of Wellbeing Services will contact you. Alternatively you can call them on 0845 466 7152
Amount of debt:
Approximate number of creditors:
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Tell us your debt problem	Adverse Credit Mortgage specialist

Our debt expert, Wally Stone has over 20 years experience in dealing with personal debt.

County Court Judgments

If you fail to pay a creditor and don’t reply to their reminders there are several things that they can do.

If it is a secured debt for example, a hire purchase agreement they can repossess the goods without going to court if you have paid less than one third of the total sum. You will still have to pay the majority of the balance.[More..]

Bailiff harassment

Harassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970.

It is often difficult to know what to do when you feel a creditor is not dealing with your account fairly. In order for you to identify what activities by your creditors may involve harassment and what can be done about the problem, this article outlines: [More..]

Credit Cards

For a great many of us the money runs out before the month does and then the temptation to use our credit cards to pay the bills kicks in. This is the beginning of the debt spiral and just what the credit card companies are counting on:. [More..]

Did you know...

According to a recent statement from the Citizens Advice Bureau, it could take 77 years on average for people asking for help with debt to get back into the black.

Britain's personal debt is increasing by £1 million every four minutes.