We are Baines & Ernst

Since we first opened our doors in 1996, we’ve helped over 140,000 people escape the pressures of debt with services that are built around their individual needs.

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 are one of the leading providers of debt help in the UK, and this is because we take the time to build relationships with our customers and their lenders to ensure the best possible outcome for everyone.

We understand

We know how tough debt can be – especially when you’re doing your best to make ends meet.

With our friendly experts on your side, you don’t have to struggle alone any longer. We’ll take control and help you find a way to beat debt for good.

Our friendly team of advisors will talk you through all the options available to you. And don’t worry, there’s nothing you can tell us that we haven’t heard before, we’re real people – we understand.

We provide the best service

The relationships we have with our customers have been built on a foundation of openness, honesty and trust.

Our customers trust us to get their finances back on track – so we do all we can to make sure they receive the best possible service at all times.

We’re are also one of a small number of companies that hold membership with The Debt Managers Standards Association (DEMSA), and follow their code of practice which is approved by the Trading Standards Institute (TSI). This means we will always provide the best advice and the highest standards of service to you at all times.

We are also one of only a few debt specialist companies to make a token payment to lenders included in a Debt Management Plan while the Plan is being set up. This confirms to lenders that you have made steps towards clearing your debts through a professional service and helps to cut added pressure from lenders while final arrangements are being made.

We help you beat debt

Whatever your financial situation, whatever your circumstances, we will work with you to help you find the best debt solution.

Whether you want to consolidate debts into an affordable repayment plan or want advice on going Bankrupt, we’ll provide all the help and advice you need so that you can beat debt.

You could solve your debt problems with:

• Debt Management Plans
• IVAs
• Debt Relief Orders
• Protected Trust Deeds
• Debt Consolidation
• Debt Settlement
• Bankruptcy

To find out how we could help you get out of debt, call our friendly team for a no-obligation financial review.