We have 20 years’ experience with Debt Consolidation. Quickly find a suitable debt solution with our three steps

  1. Answer a few online questions
  2. Get your free Money-Smart report
  3. Find the right solution for you

If you are finding your debts a problem, you could get them under control without the need of a loan.

More manageable

You can repay your debts at a reduced rate, over a longer period, making them more manageable.

It may cost more over time

It may cost you more in the long run, as you’ll be repaying your debt more slowly.

Struggling with payments

Most lenders will consider an offer if you are genuinely struggling but they are not legally obliged to accept less than the contractual repayments.

Let us deal with your lenders

You would be making one monthly payment to us, we will deal with your lenders on your behalf.

Debt Relief Orders are available subject to eligibility and acceptance, alternative solutions may be offered. Fees payable if continuing services are provided. Our fees are explained here. To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.

Answer a few questions online, find out if Debt Consolidation is right for you

Repay debts at a reduced rate, over a longer period, making them more manageable

Debt consolidation explained

Different ways of consolidating your debts

Some methods are designed to help with unmanageable debts, such as a Debt Management Plan or IVA, whilst others can help people who are managing, but could benefit from simplifying their repayments, such as a debt consolidation loan.

Repay debts at a reduced rate over a longer term

It allows you to combine multiple existing debts into one manageable monthly payment (instead of lots of smaller bills) and reduces the amount you pay each month. It’s likely you’ll be repaying over a longer period.

For further information about Debt Consolidation Read more…

Our promise to you

  • You will not be called by a call centre
  • 2nd Chance Group looks to help everyone
  • Our experienced, debt advisors will only call at a time convenient for you.
  • We have helped over 400,000 people with a range of solutions – it’s important we find the right one for you.

Answer a few questions online, find out if Debt Consolidation will work for you

Find out if Debt Consolidation will work for you

We know debt isn’t just a finance issue. It feeds into all elements of your life. When you are worried about your debt and it starts to get you down or is making your life difficult – it’s time to get help.

We’re here to help

If you are interested or would like more information on debt Consolidation, talk through your options with one of our experienced money advisors

We hope you’ll be happy with our service but, if you’re not, we want to hear from you so we can try to put that right. Read here for information about our Complaints Procedure and about your right to refer a complaint to the Financial Ombudsman Service.

Your payments into a Debt Management Plan are protected and compensation
could be available from the FSCS if there are any shortfalls in funds held on a customer’s behalf.

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