Say goodbye to debt and hello to a brighter future...

What is the total debt you owe?


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Our job is to help you with debt.

Welcome to Churchwood Finance. Are you struggling to make ends meet, sick of constant phone calls and tired of worrying? We know exactly how you feel.

Our job plain and simple is to help you say goodbye to debt.

We hear from people every day who are in debt and looking to take back control. We can help.

We offer Debt Management Plans, IVA's, Bankruptcy and Trust Deeds, all of which can be tailored to your circumstances.

Today is the day to say hello to a brighter future.

 
 

Helping people find a solution that fits their needs.

The answer for me was a Debt Management Plan

wipe off your debts
  • It's a flexible plan that lets me clear my debt at a pace I can afford.
  • I don't have to deal with my creditors, Churchwood do this for me.
  • A Debt Management Plan is not a method of writing off debt.

The answer for me was an IVA

  • My IVA lasts for a fixed period so I know how long and how much I have left to pay.
  • Any debt that I cannot pay back after this period is written off.
  • I am prohibited from obtaining £500 or more of credit during my IVA.

The answer for me was Bankruptcy

Bankruptcy
  • I couldn't afford to repay my debts in full within a reasonable amount of time.
  • My debts are legally 'wiped' off and my lenders will no longer contact me.
  • I will not be able to clear some of my other debts such as court fines.
 

Things you need to know.

About Our Fees

We charge a fee for our services. We provide a management service from the start to end of your plan.
We're with you all the way.

Impartial information

You can get FREE impartial
advice on your finances from the
Government's Money Advisory
Service.

Please remember

If you choose to restructure your debt over a longer term it could affect your credit rating and cost you more.

 

The Insolvency Service, an independent agency has produced a guidance leaflet on dealing with your creditors. Click here for a copy

Answer

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There are a range of debt solutions available that can help reduce or clear your debts, such as Debt Management Plans, Individual Voluntary Arrangements, Trust Deeds and Bankruptcy. Your individual circumstances will determine which product might be right for you.

Lenders do not have to freeze charges however, many mainstream lenders are signed up to the 'Lending Code' which is a set of standards that financial institutions can choose to follow. The interpretation of these standards may see lenders stop interest and charges to help a customer in financial difficulty, especially if it will help them to repay their debt. Other lenders may choose to reduce interest rather than freeze it. It is at the discretion of the lender.

A Debt Management Plan will affect your credit rating however it is likely that your credit rating has already been affected if you are missing payments.

If you are interested in enquiring about our services we have an expert team of advisors who will be able to help you with any questions you may have about our range of solutions.

At Churchwood we provide a management service from the start to end of your plan. Once you have signed up to a Debt Management Plan we will assign you to a dedicated member of our team who will be responsible for all your correspondence and any questions you may have.

There are a number of ways we can help you with your creditors. We will set up a payment plan to help you repay or clear your debts and you will no longer have to deal with your creditors, we will do this all on your behalf.







 

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Take back control
call us NOW on: 0800 977 4040
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