Find the right solution
At Baines & Ernst, we have a wealth of experience in helping hundreds of people effectively manage their debts every year.
We specialise in:
- Debt Management Plans (DMP’s)
- Individual Voluntary Arrangement Services (IVA‘s)
- Debt Relief Orders (DRO’s)
- Bankruptcy
- Protected Trust Deeds & Sequestration (Scotland only)
Baines & Ernst could help you get on top of your debt problems
If you’re struggling to repay debts, Baines & Ernst could provide a tailored solution that enables you to repay the companies you owe money to at a rate you can afford. In short, we’re committed to helping you work towards a future free of unsecured debts.
As a specialist DMP company, we can help you take control of your finances by negotiating a more affordable repayment rate with your creditors. We’ll even distribute cash to the companies included in the DMP every month – so you can concentrate on other aspects of your life.
For confidential debt advice, call us on 0800 096 1331.
Why choose Baines & Ernst?
| Expert advice: | We understand how stressful debt can be, that’s why we take the time to fully understand the personal situations of all the clients we work with to ensure our advice is tailored to their specific circumstances. Since we established in 1996, we’ve helped over 140,000 people and have managed debts totalling £1billion |
| Confidence: | There are more than 250 debt management companies in the UK, and Baines & Ernst is one of only a few elite companies granted Debt Managers Standards Association (DEMSA) membership. We follow the DEMSA Code of Conduct, which is approved by the OFT – so you can be confident that you’re dealing with a company that is dedicated to operating to the highest industry standards. |
| Award winning: | As part of the Paymex Group, Baines & Ernst strive to provide the best advice and exceptional levels of customer service. As a result, the Group has been acknowledged by some of the industry’s leading awarding bodies. |
| Winners of: | Debt Management Provider of the Year 2010 at the Insolvency & Rescue Awards |
| Winners of: | Debt Counsellor of the Year 2010 at the Credit Today Awards |
| Shortlisted: | Debt Counsellor of the Year 2011 at the Credit Today Awards |
Visit our accreditations page to find out why we’re a leading choice for people who want to clear their debts.
For free initial advice from leading debt management experts, speak to Baines & Ernst on 0800 096 1331.
We are committed to providing the very best customer service at competitive rates. View our fees section for more information.



Baines and Ernst Ltd