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“...I was actually doing fine. Nice little mail-order business. Okay, I got a bit behind on the VAT payments, but I could have handled it. Only then my bloody house goes and burns down. Insurance takes forever to pay, and frankly I was so shook up by the thing, I lost it a bit workwise. Just couldn’t keep on top of things. Started missing payments....” Mark Dudley More Testimonials

"Thank you so much for all your help. It really has made a massive difference to our lives. We really appreciate everything you have done for us. Thank you." Mrs Virginia Ince, Chorley More Testimonials

Debt free in 60 months



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many companies make you start paying the costs of an IVA even before the arrangement has been agreed.

If the IVA turns out to be unsuccessful, you’ll find it very hard to reclaim your money. Our licensed practitioners have close relationships with most creditors and know from experience what they will and will not accept So we won’t waste your time putting forward a proposal that has no chance of success. But in any case, we will never charge you any fees upfront – our service is completely free.

Ian Slater IVAfreehelp debt help campaigner 2003

If you want clarification on any of these points, please telephone 0161 244 5649 and speak to one of our personal advisors.

Where to go for help and advice

The Official Receiver does not send any form of notice to credit reference agencies. If you are concerned about information held by them, a leaflet entitled “No Credit?” is produced by the Information Commissioner’s Office and is available from its website at www.dataprotection.gov.uk or by phoning 0870 44 21 211.

Organisations that may help
These are not the only organisations that may be able to help you. The Insolvency Service and the Court Service cannot accept responsibility for the information, advice, or other services provided by these organisations.

Who they are	How they can help	How to contact them
Consumer Gateway	This is a one-stop service run by the Department of Trade and Industry. The website provides online access to information and advice for customers.	The website is www.consumer.gov.uk
Lawyers For Your Business (LFYB)	LFYB is a Law Society initiative that represents some 1,400 firms of solicitors in England and Wales who have come together to ensure that businesses, especially the smaller owner-managed ones, get access to sound legal advice when they need it.	Call the hotline on 0207 405 9075. Lines are open Monday to Friday from 9am to 5.30pm. You will be sent a list of the member solicitors in your area (including information on specialist areas of work and languages spoken) and a voucher for a free consultation.
National Debtline	National Debtline provides free, confidential and independent expert advice over the telephone for anyone experiencing financial difficulty. Callers will receive a free self-help information pack.	Call free on 0808 808 4000. Lines are open Monday to Friday 9am to 9pm and Saturdays from 9.30am to 1pm. There is a 24-hour answerphone. The National Debtline website address is www.nationaldebtline.co.uk
Small Business Service	The Small Business Service	Call 0845 600 9006. Lines
(SBS): Business Link	(SBS) is a government agency that has been established to help small businesses and provide them with a single source of high quality information and advice.	are open Monday to Friday 8.30am to 5.30pm. The SBS website address is www.sbs.gov.uk www.businesslink.org

"Your advice was excellent. How nice to find people so willing to spend the time necessary to get things right." Mr. O'Brien, Manchester More Testimonials

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