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Debt Consolidation

Reduce monthly debt repayments with debt consolidation

Feel like you’re struggling to make ends meet every month? With the cost of living spiralling, it can get harder to manage debts. So to help you get back in control, we offer debt consolidation that lets you to combine the following debts into one easier to manage monthly repayment plan…

You could consolidate…

  • Credit cards
  • Payday loans
  • Personal loans
  • Store cards
  • Overdrafts
  • Catalogue accounts

Is Debt Consolidation a loan?

At Baines & Ernst, we do not lend you money – nccinstead we help you find an affordable way to get out of debt.

We could help you consolidate all your unsecured debts into one monthly repayment with a solution that’s built to suit you. 0800 096 1331

Call us on 0800 096 1331to find out how we could help you.

Call us on 0800 096 1331to find out how we could help you.

What debt consolidation could do for you:

  • Lower monthly repayments
  • Reduce direct contact from lenders
  • Clear unsecured debts on successful completion
  • All this without having to take out a loan!

Debt Consolidation - what you need to know

What we charge and why

At Baines & Ernst, we help people beat debt by offering the highest standard of service, expert debt advice and affordable solutions. Our fees depend on your personal circumstances, and we’re always honest and upfront about these costs. Click here to learn more about our fee structure for all of our services.

Makes debt repayments more affordable

Our monthly pay plans are built around what you can afford to repay after bills like rent / mortgage, utilities and food have been taken into consideration.

We offer debt consolidation through a Debt Management Plan, IVA or Protected Trust Deed depending on your financial situation.

We will carry out a financial review to find out which debt solution would suit you best.

Freeze interest and charges

If you qualify for Debt Consolidation through an IVA or a Protected Trust Deed, interest and charges will be frozen. If you qualify for a Debt Management Plan (DMP), we will do all we can to make sure your lenders do the same – which we have been able to do in 93% of debts managed through a Debt Management Plan.

Reduce direct contact from lenders

Although we cannot guarantee that lenders will stop contacting you completely, we will do all we can to reduce this contact as much as possible.

While we are setting up your protocol-compliant plan, we’ll let your lenders know that we are working on your behalf. This means your lenders will start communicating with us directly.

However, if lenders continue to contact you, please do not ignore their letters or calls, please ask them to contact us instead and we will handle their questions.

Ongoing help and support

You don’t need to face debt problems alone ever again when you’ve got Baines & Ernst on your side.

Help and support is only ever a phone call away, so if you have a question, simply pick up the phone to get the answers and reassurance you need.

Find the right solution

Answer a few simple questions and we'll help you find your solution.
  • Total unsecured debt: £500

    Click here to read the privacy policy
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Find the right solution

Answer a few simple questions and we'll help you find your solution.
  • Total unsecured debt: £500

    Click here to read the privacy policy
  • This field is for validation purposes and should be left unchanged.

Debt advice you
can trust...

dmpp

As a Debt Management Plan Protocol compliant company we are committed to providing exceptional standards of service. We are proud members of the DEMSA and follow their Code of Practice which is approved by the TSI.

Authorised and Regulated by the Financial Conduct Authority

Money Advice Service

You can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. Click here for more information.

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