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As one of the longest established financial solutions companies in the UK, we have helped over 140,000 people escape the pressures of debt. Learn more about us and why we’re the best people to help you, here.

Click here to find your solution today

Clear payday loan debt

Let us take control

  • Freeze interest and charges on payday loan debt*
  • Get finances under control
  • Cut pressure from payday lenders
  • Stop spiralling debts
  • Reduced monthly repayment
  • Get out of debt

Consolidate payday loan debt

If you feel like you’re trapped in a cycle of payday loan debt, we could help you get back in control, lower repayments and cut pressure from lenders.

Don’t go through debt alone – we’ve helped over 140,000 people and we could help you too!

We could help you clear all unsecured debts

If you also have other forms of unsecured debts such as store cards, personal loans, credit cards and catalogue accounts in addition to your payday loan, we could help you to consolidate all these debts into one easier to manage monthly repayment.

No loans, no credit checks, just debt consolidation that makes getting out of debt much more manageable.

What will Baines & Ernst do for me?

Reduce your monthly payments

We’ll complete a financial review to work out how much you could afford to pay towards your debts after taking into account all of your bills and living expenses. We’ll then speak directly to your lenders and secure a lower, more affordable repayment plan for you.

Freeze interest and charges

We’ll ask your lenders to freeze interest and charges on your debts, so you pay off the debt itself – not the interest. Although we cannot always guarantee this, we’re pleased to say that in 88% of the debts we manage we do freeze interest and charges. However, on an occasion where a lender doesn’t agree then the plan length and balance may increase.

Cut pressure from lenders

We deal with your debts and contact the companies you owe money to, so you don’t have to. Once on plan you’ll make one simple monthly payment and we’ll distribute payments to your lenders each month – it really is that simple.

Clear unsecured debts for good

We’ll provide a solution to help you get out of debt as fast as you can realistically afford. Providing you make all of the monthly payments as agreed you’ll be clear of the debts included on completion.

Provide ongoing help and support

From your initial enquiry right through to when you clear your debts, we’re with you every step of the way.

Don’t struggle with payday loan debt repayments – call us today for expert help and advice

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

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

Debt advice you
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