UK Debt Service

UK Debt Service, specialists in problem debt solutions

UK Debt Service is a British firm that helps people with unaffordable debts find a way out. The company does not provide advice directly; instead, it works with trusted third parties specialising in regulated debt advice, so that users can make informed decisions about their financial future. Its presentation states that it has helped thousands of people overcome problem debts.

The service is structured in three steps: the interested party contacts through the online form or by phone; a specialist analyses the available options according to personal circumstances; and finally the person receives the necessary information to make an informed decision. The company warns that solutions are not suitable in all cases, that fees may apply and that credit ratings may be affected.

Types of debt that can be addressed

The website lists the unsecured debts that the solutions they offer can help with:

• Council Tax arrears
• HMRC debt and benefit overpayments
• Payday loans, bank loans and overdrafts
• Credit cards, store cards and catalogues
• Bailiff enforcement and debt collector action
• County Court Judgments (CCJs) and attachment of earnings

They also note that they work with major creditors in the UK.

Solutions and procedures covered

The site organises its catalogue of solutions into several figures of British law: the Individual Voluntary Arrangement (IVA), with specific sections on who can apply, what life is like during its term and its fees and key information; bankruptcy; the Debt Relief Order; the Debt Management Plan; the Protected Trust Deed; the Debt Arrangement Scheme; sequestration; the Minimal Asset Process; the moratorium; and Breathing Space. The company groups all of them under the heading of debt solutions.

Support and prevention services

In addition to debt solutions, the firm maintains sections dedicated to research and development, suicide prevention, registering vulnerable people and signposting to help resources. It also publishes news and blog articles on topics such as rising energy bills, saving, persistent debt or the consequences of ignoring debts.

Structure and regulation

The site states that uk-debtservice.co.uk is managed by UK Insolvency Services Ltd, a company registered in England and Wales with number 11807182, and that it holds ICO reference ZB642653. Donald Harper is authorised in the UK to act as an Insolvency Practitioner by the Insolvency Practitioners Association. Enquiries are processed through a panel of trusted third parties whose in-house advisers review the available options, products and solutions; according to the company, these providers are fully regulated in the UK by the Financial Conduct Authority (FCA), the Insolvency Practitioners Association (IPA) or the Institute of Chartered Accountants in England and Wales (ICAEW), and cover solutions for England, Wales, Northern Ireland and Scotland. The firm reminds that free debt advice is available through Money Helper.

Location and contact

Address 1 City Approach, Albert Street, Eccles, Manchester M30 0BL