Winners at the Insolvency & Rescue Awards 2010
Read more »
Call free for no-obligation advice †
0800 096 1331
Call 0161 656 9856 from a mobile †
For customer services call 0844 826 2555
For personal debt advice without obligation, simply answer the questions below...
Or text debt to 87070 now for a call back
Carine Joly Baines & Ernst were a great help at a really dark time in my life. They gave me peace of mind. Read more...
Peter Sullivan You have been supportive, kind, reassuring and a great listener in my honest opinion and you have gone above and beyond the call of duty. Read more...
The Walters family We are really happy dealing with Baines & Ernst, you've been great. You take the stress off me, it's helped us all round. Read more...
Part of the Paymex Group – the Debt Management Provider of the Year 2010 – we offer a number of affordable and effective solutions that could help you clear your debts at a rate you can afford.
Consolidate your debts and reduce stress at the same time with Baines & Ernst. We’ve helped people reduce their debt repayments on average by £603 a month*.
As members of the Debt Managers Standards Association (DEMSA), we operate to the highest standards and follow the DEMSA Code of Conduct as which is approved by the OFT.
Repay debts at a rate you can afford with a Debt Management Plan. Of 84% of debts managed we freeze interest and charges.
Bankruptcy might not be your only option. At Baines & Ernst, we offer Bankruptcy advice so you can decide whether it’s the best solution for you.
IVA's are fully protected and all interest and charges are frozen. This means you could clear and write off debt usually within 5 years. IVAs are subject to creditor agreement, which isn’t always guaranteed.
With the Evolution Current Account there are no credit checks or hidden charges. Evolution is designed to give people greater control of their finances.
PTDs are available to people living in Scotland. Interest and charges are frozen and debts written off at the end the term, which typically lasts 3 years. PTDs are subject to creditor agreement, which isn’t always guaranteed.
A Debt Relief Order is an alternative to Bankruptcy and could help you clear debts. Baines & Ernst provide this service for free.
New information has shown that the double dip recession in the UK is deeper than previous estimated. The provisional results pointed to a 0.2% contraction but new data has revealed that the economy shrank by…
A consumer group has led calls for the Post Office to provide credit union services in order to make the facility more accessible to the public. Consumer Focus said that a third of the public…
New research has shown that the majority of consumers buying a car take out finance through the dealer, even though cheaper loans can be found elsewhere. According to the Finance and Leasing Association, two out…
Our initial advice is completely free. Fees may apply thereafter depending upon the debt solution entered into.
Follow these links to see the fees involved when undertaking DMPs and IVAs and they will also be notified to you in advance.
Individual Voluntary Arrangement (IVA) is a specialist service provided by a licensed insolvency practitioner of our choice.
Our Services are subject to status and acceptance, and conditions apply.
Baines and Ernst Ltd
DEMSA: Baines and Ernst are proud to be a member of DEMSA (Debt Managers Standards Association) and fully subcribes to the DEMSA Code of Conduct. Authorised and regulated by the Financial Services Authority for insurance mediation services and subject to the Financial Ombudsman Service. A copy of the DEMSA code is available on request from us or www.demsa.co.uk.
† Calls are free if made from a BT landline. Calls made from mobiles and other networks may be charged. Please check with your service provider. Mobile phone users may find it cheaper to call 0161 656 9856. Calls may be recorded for service quality.
If your creditors do not freeze interest or charges this will lead to an increase in the period and amount being repaid. Credit rating will be affected in the short to medium term. *£603 is the average saving per month based on a sample of 18,500 Baines & Ernst customers.