Baines & Ernst is part of the Paymex Group and is a proud member of DEMSA (Debt Managers Standards Association) and fully subscribes to the DEMSA Code of Practice which is approved by the Trading Standards Institute (TSI). A copy of the DEMSA code is available on request from us or www.demsa.co.uk.

* If your creditors do not freeze interest and charges as part of a Debt Management Plan, this will lead to an increase in the period and amount being repaid. Credit ratings will be affected in the short to medium term. £315 saving has been calculated from Debt Management Plan customers who have come to Plan from April to September 2012.

All statistics regarding Baines & Ernst customers relate to independent research carried out for Baines & Ernst.

† 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 use the ’0161′ number above. Calls may be recorded for service quality.