Offering you help. Giving you control.

Welcome to the Digital Debt Resolution Agency.

We know that no one chooses to be in debt, and that your financial situation is likely the result of factors beyond your control. We’re here to help you regain that control by giving you the tools you need to resolve your debt.

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Manage your own account 24/7.

Discussing private matters with a random person over the phone can be daunting, so we’ve built a better way. Our Customer Portal lets you manage your own account 24/7, whenever - and wherever - it’s convenient for you. And if you need to speak with us, you can - we have a range of digital channels you can reach us on.

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We're here to help.

Please don’t bury your head in the sand. Instead, engage with us so that, together, we can resolve your situation.

We're here to help. All you need to do is let us.

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Key Benefits

Control and convenience 24/7

Our Customer Portal gives you 24/7 access, so you can manage your account whenever - and wherever - it suits you.

Digital-only contact

No more speaking to strangers over the phone about your personal situation. Instead, you’ll use less intrusive and more approachable channels such as email, webchat, SMS and WhatsApp.

Here to help

Debt can be daunting - but we’re in your corner. No scare tactics or unreasonable demands. Just simple, actionable help. All we ask is that you engage with us so we can help you get back on track.

No pressure

We won’t ever pressure you for payments. Instead, we focus on giving you the best possible outcome, whatever your situation.

Something not right?

If you have a dispute or don’t recognise a debt, don’t worry. Let us know and we’ll resolve it.

Payment plans

Don’t worry if you can’t afford to pay in full. You can set up an affordable, manageable payment plan based on your income and outgoings.

Frequently Asked Questions

You can read or listen to some of the common questions (and answers!) we get asked by customers below. If you can’t find the information you’re looking for, please don’t hesitate to get in touch with us. Our friendly team is always ready to assist you.

We're a digital-only debt resolution agency that's erasing the stigma associated with debt by putting you, the customer, first.
Get in touch by replying on any of the channels we’ve contacted you on. Or you can log in and speak to us via webchat.
Please look at the last email or SMS you have received from us!
We’ve reached out because our client has passed your account to us. By working together, we know we can successfully resolve your situation.
Open banking is a practice that allows banks and third-party financial service providers secure access to your banking and other financial data. This means, if and when you authorise us to do so via your banking App, we can take payment directly from your account or calculate an affordable payment plan based on your income and expenditure information.
Simply sign into the Customer Portal and choose from the account options.
You can raise a query by either replying on the channel we contacted you on or by logging into the Customer Portal and going to the ‘Need some help?’ section.
If you think we’ve contacted you in error, please get in touch by replying on any of the channels we’ve contacted you on.
We have a specially trained team to help you in any way we can. Please log into the Customer Portal. Alternatively, you can get free, independent debt advice here.
Get in touch by replying on any of the channels we’ve contacted you on and one of the team can help you.
We’re sorry to hear that. You can raise a complaint by either replying on the channel we contacted you on or by logging into the Customer Portal and going to the ‘Need some help?’ section.
It depends if the client has reported anything to the credit reference agencies. If they have, then missed payments (or ‘defaults’) will have a negative impact on your score.
It depends if the client has reported the missed payments (or ‘defaults’) to the credit referencing agencies. If they have, the sooner you can get this marked as satisfied/settled, the better.It depends if the client has reported the missed payments (or ‘defaults’) to the credit referencing agencies. If they have, the sooner you can get this marked as satisfied/settled, the better.
If you miss payments or you don't pay the right amount, your creditor may send you a default notice, also known as a notice of default. If the default is applied it'll be recorded in your credit file and can affect your credit rating. An account defaults when you break the terms of the credit agreement.
You might have a county court judgment (CCJ) against you if you owe someone money and a court ruled that you have to pay it back. Your credit rating could be affected if you have a CCJ against you. This means it might be difficult for you to borrow money or get credit.
If you ignore our contact we are unable to help you and our contact strategy will continue. Once we return your account to our client it will be up to them how they manage your account moving forward. This may include taking additional steps to recover thier money such as taking legal action via County Court, selling your account to a Debt Purchaser or asking another Debt Agency to contact you about the matter.
If a creditor is no longer trading in the UK, you may still owe the debt if it was incurred while the creditor was trading in the UK. This is because the debt is still legally enforceable as per the original contract and the debt will be owed to the administrators assigned to run the company.
No, we will not send bailiffs to your house. We are a Debt Resolution Agency that uses digital channels and conversational technology to contact customers about their outstanding debt repayments.
If you have already complained to the Ombudsman, you will need to wait for their decision. The Ombudsman will usually take a few months to investigate your complaint once they have made their decision, you will be notified in writing. Please let us know your case reference number if you have an outstanding complaint with the Ombudsman, we will ensure our client is aware of the situation.
Check if your supplier has used your actual meter readings or an estimate to calculate your bill. If it's estimated, provide a meter reading to update your account. If the bill isn't based on an estimate or if something feels wrong, chat with us, and we'll resolve the issue your supplier.
Your bill will display a debit balance with "DR" (e.g., £45 DR) or a credit balance with "CR" (e.g., £45 CR).
You can usually access and download your bills from your suppliers online account, if you are unable to do this please chat with us and we may be able to send you one or arrange for one to be sent.
This is more than likely due to a technical issue and your supplier may have been unable to retrieve the meter readings. If you have your meter readings please chat with us and we can raise this as a query directly with your supplier.
Your supplier may charge late fees for missing a payment, you can check this by looking at your most recent bill.
Yes, not paying your energy bill can potentially have a negative impact on your credit rating. Utility companies often report late or missed payments to Credit Reference Agencies. If you consistently fail to pay your energy bills on time, it may have a negative impact on your credit score.
A standing charge is a fixed daily amount that you pay on your energy bill regardless of how much energy you use. It covers the costs incurred by your energy supplier to ensure your home is connected to the energy network. These are owed even if the property has been empty for a period of time.
An energy meter reading tells you how much energy you have used since the last time you took a reading. This information is important for your energy supplier to calculate your bill. It can also help you to track your energy usage and identify areas where you can save energy. If an actual meter reading is not available, your supplier will estimate the usage.
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