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Find out how you can get your finances under control with debt advice from the debt help specialists…

Do you qualify for debt help?

  • Do you have debts over £1,000?
  • Are you struggling to make debt repayments?
  • Do you have more than two lines of unsecured debts?
  • Do you have proof of income?

If you’ve answered yes to any of the questions above, then we could help you! At Baines & Ernst we offer a wide range of debt solutions that are designed to help you get back in control of your debts – without the need to borrow additional credit! Complete the form below to find what debt help is available to you…

Get help from the debt experts.
Our no-obligation advice is confidential.

  • Total unsecured debt: £500

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Find the right solution

  • Total unsecured debt: £500

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What we could do for you…

Baines & Ernst has helped over 170,000 people in debt – and we could help you too!

If you’re struggling to make debt repayments and owe more than £1,000, we could help you find a solution that helps you lower your monthly debt repayment and repay lenders at a rate you can afford.

If you have two or more lines of unsecured debts, for example credit cards, store cards, personal loans, catalogue accounts or payday loans, and have proof of income, we could help you. All it takes is one call to get started and find out what debt help is available to you.

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Debt advice you
can trust...

Debt Advice You Can Trust

We are committed to providing the highest standard of service to our customers and helping them find their way out of debt with the most appropriate debt solution.

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.

What you need to know:

Who are Baines & Ernst?

Since we first opened our doors in 1996, we have helped over 170,000 in debt and have become one of the UK’s leading providers of debt help with many accolades to our name including ‘Best Debt Solutions Provider 2014’.

Our philosophy is quite simple really, and that is to help you find an affordable way to deal with your debts so that you can focus on other priorities – your family, your life; your happiness.

We provide a range of debt solutions that are all designed to meet the individual needs of our customers – so you can be confident that whatever your debt level; whatever your circumstances, we will do all we can to help you find your way out of debt.

What debt help is available?

Depending on your level of debts and circumstances there are a number of debt solutions available to you, including:

Debt Management Plans – helps you to lower debt repayments and could help you to freeze interest and charges and reduce direct contact from lenders. Restrictions apply – click here for more details.

Individual Voluntary Arrangements – helps to freeze interest and charges, write off debt typically at the end of 5 years and stop lender contact. Restrictions apply – Click here for more details.

Protected Trust Deeds – helps to freeze interest and charges, write off debt typically at the end of 4 years and stop lender contact. Only available to people living in Scotland. Restrictions apply – click here for more details.

Debt Relief Order – if you are on a low income and have little assets, you could qualify for a Debt Relief Order and become free from unsecured debts in 12 months. Restrictions apply – click here for more details.

Bankruptcy – if you cannot afford to repay your debts, you could apply for Bankruptcy and become free from unsecured debts in as little as 12 months. Restrictions apply – click here for more details.

To find out which would suit you best, simply call us for a no-obligation financial review.

What do you charge?

At Baines & Ernst, we help people get out of 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.

Can Baines & Ernst freeze interest and charges?

Freezing interest and charges on 100% of your debts depend on the solution you enter into. For example, with an IVA or Protected Trust Deed, interest and charges are legally frozen.

Whereas lenders involved in a Debt Management Plan are not legally obliged to freeze interest and charges, but we will do all we can to get these charges stopped.

In 93% of debts managed through a Debt Management Plan we are successful in freezing interest and charges.

If these charges are not frozen then the total amount owed and the time it takes to repay your debts could increase.

Can Baines & Ernst lower debt repayments?

We have excellent relationships with over 3,500 lenders – putting us in a great position to negotiate a lower repayment plan with lenders on your behalf.

We will carry out a financial review to learn more about your debts, income and essential outgoings to find out which solution would suit you best.

From here we will be able to tell you how much we could help you reduce your debt repayments by and get an action plan in place if you wish to move forward with a debt solution.

Can Baines & Ernst reduce contact from lenders?

Yes, once lenders know that we are managing your debts on your behalf, they will often choose to contact us instead of you – helping to greatly reduce the amount of direct contact you have with your lenders.

There are some solutions that can help you to stop contact altogether – simply contact us for more details.

Do you provide no-obligation debt advice?

At Baines & Ernst our aim is to help you find a way to successfully manage your debts. Our friendly team of experts are here to listen to you and help you find the right solution, so we provide no-obligation financial reviews to all new customers.

Do Baines & Ernst provide loans?

No, we neither lend you money nor pay off your debts, we simply provide customers with easy-to-manage repayment plans that make getting out of debt as simple and as stress-free as possible.

Will my credit rating be affected if I get debt help?

If you have already struggled to make repayments on time or have missed them altogether, your credit rating may already be affected.

If you enter into a debt solution, it is worth noting that your credit rating will be affected in the medium term because you will not be repaying your debts at the rate you originally agreed with your lenders.

Lenders are also legally required to issue a Default Notice if you miss more than the equivalent of 3 contractual repayments. Default Notices will remain on your credit record for six years from the date the notice was issued.

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