If you are struggling with a debt problem and want to find out some more about the Debt Solutions available then get in touch today. Our experienced, expert debt advisors will
go through all the options available. There is No Obligation and any information discussed
will be kept in the strictest confidence. We have already helped thousands of people with
their debt problems; why not let us help you to? Click "Expert Debt Advice" for advice today.
click here forExpert Debt AdviceHow It Works
If you think you might have a debt problem then act now. The longer you struggle with your debts the harder it will be to get your debt problem under control. Click here to read our online advice, helping you to recognise a debt problem and when best to seek expert debt advice. Remember, Clark Richards has helped thousands of people with their debt problems. We are sure we can help you as well. So get in touch today and relieve the stress of debts.When To Seek Debt Advice
In our free online debt help section we have provided you with a detailed explanation of the debt solutions available throughout the UK. So if you are interested in a specific debt solution such as Debt Management or an IVA or maybe you want to find out more about some of the more complex solutions like Bankruptcy or Debt Relief Orders then click below to read more...Online Debt Help
Not only can Clark Richards help you get debt free but we are also committed to ensuring you making the most of your income. That is why we have put together a money saving section on our website. This section explains ways to ensure you are getting all the benefits you are entitled to and also great ways to reduce your household bills.Read More
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Within our Client Centre you can find useful information with regards to our debt solutions and related services. There is a detailed FAQ section, a full breakdown of our terms of business, access to obtaining your credit report, information on Basic Bank Accounts and much more.Client Centre
Use our online debt calculator to
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Only pay what YOU can afford. Stop calls and letters and let someone else deal with your debts.
individual voluntary arrangement
You may qualify to write off up
to 70% of you debt with an IVA.
Debt free in 5 years and keep your assets.
If you are a homeowner you might be able to re-mortgage your property and release money to clear debts.
Clark Richards specialise in offering expert debt advice, debt management and other debt solutions to people struggling to repay their debts. We understand just how easily a debt problem can affect every part of your day to day life and spiral out of control.
It is a very stressful time, made worse by many letters demanding an unaffordable payment, calls threatening further action, and in some cases that dreaded knock at the door from a bailiff looking to remove goods.
Clark Richards offer expert debt advice and can recommend a solution which will help you get back in control of your debt problem.
Clark Richards also provide a wide range of debt solutions and would usually be able to set up any solution, including debt management, within a single phone call.
So if debt is a problem in your life, the answer is simple, pick up the phone and call Clark Richards today for free on 0800 988 3359 or complete our quick and easy Debt Advice Form
become debt free in less than 5 years
A Debt Management Plan is a great way of clearing your unsecured debt in a simple and effective way. Debt management could turn all your loans, credit cards, store cards & outstanding overdrafts in one single repayment.
When using one of our debt management services an advisor will consider your priority debts, which include mortgage or rent payments, utilities, living expenses and council tax; they will then calculate an amount you can afford to pay towards your unsecured debts. Any money left over is put together into a single monthly payment and shared out amongst all your creditors on a pro-rata basis.
Once your debts are in a debt management plan, letters and calls will reduce, interest and charges could be frozen and you will be able to repay your debts at an amount you can afford.
Benefits of Debt Management:
Although debt management will make your debt repayments more affordable it is important to understand that the less you pay towards your debt the longer it will take for the debt to be repaid.
An IVA is a debt solution that allows you to become debt free in just 5 years. You could also benefit in a reduction in your debt level, sometimes as high as 70%!
Unlike debt management, it will provide you with legal protection from your creditors and once the IVA is accepted there will be no further interest and charges applied to your debts.
Benefits of an IVA:
An IVA like most debt solutions will have an effect on your credit profile. You must carefully consider your options when looking at a debt solution. It is always recommended that you get debt advice from a trained debt expert.
freephone 0800 988 3359
As a well established and reputable company that deals with the management of debt, we are on hand to offer a range of financial solutions that are aimed at freeing people from the stresses of debt. In a nutshell we are here to resolve people’s debt problems today, and if you make the wise decision to get in touch you’ll find us to be a professional and friendly organisation. In many cases people find themselves in debt through no fault of their own, which is why we will treat each case on its own merit and with the utmost respect. When establishing an appropriate credit debt management solution we are well aware that every client has their own set of circumstances and so they should feel confident of receiving a personalised service. One of our primary goals is customer satisfaction, and you can find out for yourself how other customers have felt about our service by reading the feedback of those that we have helped to save literally thousands of pounds. We specialise in offering debt advice to customers across the country from our offices in Cheshire and every month we help thousands of people to rid themselves of debt problems.
Regardless of individual’s circumstances, we have the necessary experience and knowhow to help you get out of any debt situation you currently find yourself in. We are confident at being able to provide the perfect debt advice and debt solution to your debt problem and ensure that you relieve yourself of the stresses of being in debt for good. We are in a position to give you expert advice about debt, and explain in clear and simple terms the best ways to get out of it. Our programs aimed at managing debt have helped thousands of people, and unlike certain other UK debt management companies our services extend to financial advisors going through your entire collection of debts, your expenditure and income to make sure that you have money left over after paying your bills to cover all living expenses. We will also speak to customers’ creditors on their behalf so they don’t have to, and once you sign up to one of our programs, we will deal with all the necessary paperwork and any payment demands. A dedicated department is in place to speak to creditors on a daily basis, which is why we have strong relationships with collections departments.
Anyone that is currently struggling with debt problems should be aware that there are many different debt solutions that can help them become debt free. We would suggest that as a first step you give us a call on our free phone number to get some excellent and impartial debt advice. In addition to giving great advice we specialize in the management of debt, bankruptcy advice, IVA solutions and assistance with filing for bankruptcy, so we have an array of skills to assist with many different debt problems. We have a smart debt calculator that we would urge visitors to the site to use, as if you need help with debt management then this will give you an idea what debt solution will best help you become free of debt. If you are keen to clear any of your unsecured debt in an effective and straightforward way then programmes that help people manage their debt are the way forward. In essence they turn all loans, store cards, credit cards and any outstanding overdrafts into a single, easy to manage, repayment. Once you use such a programme, an advisor will then calculate an affordable payment based on your priority debts such as mortgages.
Anyone that is of the opinion that the only solution to their debt problems is bankruptcy should think again, as there are alternative solutions to your struggles with debt repayments. With a plan that assists you to properly manage your debt you can reduce your debt repayments to ensure that the constant stream of nasty calls and letters stops and you have an affordable amount of money to pay each month. An added bonus is that any interest and charges on debts will be frozen with the aim of freeing yourself of debt as quickly as possible. An IVA debt management plan UK program is a decent alternative to bankruptcy if your debts are equal to or more than £15,000. Also known as an Individual Voluntary Arrangement, they are backed by government legislation so that if you decide to go down this route, you can attain a legally binding agreement with all of your creditors. The way it works is that over a fixed period of around five years, you pay back only what you can afford, and at the end of the agreed term, any remaining debt is written off for good, so you are left free of debt.
Anyone that is having debt problems should get some balanced debt advice and help as soon as possible so that their level of debt doesn’t increase as a result of high interest rates and charges. We are helping many people rid themselves of debt in less than three years, so we would urge you to get in touch immediately to ensure you avoid being made bankrupt and your creditors taking any court action against you. People with debts of over one thousand pounds to two or more companies should consider a plan to manage their debt, and if you want to discuss this or get advice regarding credit card debt management, we would be delighted to hear from you. To qualify for this plan you will have to meet certain criteria, such as struggling with debt repayments, not having a debt that is severe enough to warrant bankruptcy, you have two or more debts, and that you can afford a sixty pound payment towards any unsecured debt each month. Anyone that meets such criteria should give us a call to have a no obligation informal chat with one of our experienced debt advisors, to see what steps can be taken.
The major problem of amassing lots of unsecured debts is the vast amount of interest that has to be paid. By consolidating debts into a single low interest loan, people can save thousands of pounds in interest payments alone, whilst enjoying a much more manageable monthly repayment. Remortgage solutions are also worth considering if you have any money tied up in a property. Instead of struggling each month with debt repayments, you could release some equity from your home to help pay off some or all of your debts. By considering the array of debt management help UK that is available, you may well find that a remortgage will not only reduce your monthly debt repayments, but may even reduce your mortgage repayments with a positive change to the Bank of England’s base rate. Anyone facing debt should consider their options carefully and with our free debt advice we are sure you’ll come to the right decision. It can be a complex and time consuming situation trying to get on top of all your debts, which often come about by things outside of your control, so please utilise our services and set yourself on the road to a debt-free life.
Although a large percentage of debt management cases result in interest & charges being frozen, it can’t be guaranteed. All initial advice is provided free of charge & there is no obligation to use one of the debt solutions we recommend. If, however a debt solution such as debt management is taken out, please be aware that fees will be charged – please read a full breakdown of our Terms of Business. We understand that charging fees to help you become debt free is not ideal, but we feel without charging a fee we would not be able to provide you with a quality service that will help you become debt free. We closely monitor other debt advice companies to ensure we remain one of the cheapest companies in the UK.
Please be aware that a debt solution may lead to an increase in the size of the sum to be repaid and may impair your credit rating and your ability to obtain credit in the future. You may be charged a fee if you decide to proceed with a debt solution. You should discuss any further fees or charges with the debt advisor that you are referred to. If you fail to maintain payments to an IVA you creditor may make you bankrupt. If you are a homeowner you may be asked to release equity in your property in order to repay your debts.
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Clark Richard’s may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 05/08/2009.
What we collect – We may collect the following information:
“What we do with the information we gather” – We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
“Security” – We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Links to other websites – Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Tracking Code – www.clarkrichards.co.uk uses tracking code from the major UK search engines to work out how you found our site, what pages you visited and what facilities you used.
Controlling your personal information – You may choose to restrict the collection or use of your personal information in the following ways:
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen. You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to 3 Bailey Court, Green Street, Macclesfield SK10 1JQ. If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.
The agreement between you and us is made on the following terms:
“You” – Our client whose name is recorded on the enclosed documents (and partner where any of the debts are in joint names)
“Us” - Clark Richards Limited. Postal Address and Registered Office: Clark Richards Limited, 3 Bailey Court, Green Street, Macclesfield, Cheshire, SK10 1JQ. Company No. 6770655. Licensed by the Office of Fair Trading under Consumer Credit License No. 651922. ICO Reg No. Z1688010.
“Creditors” – Any and all of your unsecured creditors whose details you will provide to us in accordance with Section 3.
“Debt Management Program” – A plan of repayments produced by us in accordance with section 4.2
“Period” – The period which the Debt Management Programme is in operation.
“Fees” – The fees to be paid by you to us in accordance with the Debt Management Programme.
You request us and we agree to provide you with a debt counselling advisory and adjusting service in accordance with these terms and conditions. You authorise us to negotiate on your behalf with your creditors. This agreement shall continue until final repayment to the Creditors is made in accordance with the Debt Management Programme, unless it has been terminated beforehand in accordance with Section 6.
3 Your Responsibilities
3.1 You will provide to us on request information relating to your finances. This will include but will not be limited to details of your income and expenditure, your creditors and any agreements you have with them, any loans, or mortgages you have, your dependants and judgements’ made against you or any other enforcement action being taking against you.
3.2 You will sign any necessary forms of authority or any other documents so that we may negotiate with your creditors on your behalf and generally carry out our obligations under this agreement.
3.3 You will pass all correspondence from your Creditors to us and keep us informed of any dealings you have with any Creditors whether we are negotiating with them or not. Once the Debt Management Programme has been agreed, you will not make any expenditure over or above your reasonable living expenses as calculated in the Debt Management Programme. You will not use your credit cards, nor incur further debts.
3.4 You will consult with us in relation to your Debt Management Programme of repayments and in relation to any alterations to it or reviews of it. Your payments to us will need to be amended to reflect any reasonable changes which your circumstances dictate. You will make payments to us under and in accordance with the Debt Management Programme promptly and without deductions.
3.5 On occasions your Creditors will not provide us with balances of your account due to their own company procedures. If these circumstances arise then you will obtain this information for us and supply us accordingly.
3.6 We cannot be held responsible for any legal action taken against you by your Creditors as a result of fraudulent or incorrect information provided by you at the time of acquiring a loan, HP agreement, credit card or any other forms of credit.
3.7 Non contact from you will not be considered as cancellation of the agreement. If any funds are owing to you then written confirmation will be required to release funds owing to you in accordance with Section 6 of this agreement.
3.8 If you do not maintain regular payments we will suspend any action and payments on your account. Your creditors may have to be informed that payments are not being maintained. This may result in your Creditors continuing legal action against you for which we cannot be held responsible
3.9 If you do not maintain regular payments we will suspend the service and payments towards your plan. You remain responsible for continuing to pay any secured loans, mortgages, or Hire Purchase agreements and all household bills (including insurances).
4 Our Responsibilities
4.1 We will review your finances, covering your income, expenditure, debts and assets. These must include all debts secured on property or goods, which we will take into consideration but cannot negotiate reduced payments on. We will calculate your disposable income based on reasonable living expenses.
4.2 In consultation with you we will produce a Debt Management Programme by which you can pay off your Creditors out of your disposable income at rates you can afford. The Debt Management Programme will let you make monthly payments to us and will take account of your Creditors and of our Fees. It will not take account of any matters you have not told us about in accordance with section 3. It will also take account of the differing requirements of your different Creditors, if there is more than one.
4.3 We will negotiate with your Creditors and attempt to agree repayment terms with them of the amounts outstanding. In doing so we shall use the Debt Management Programme and we shall ensure that the periodic payments that we agree with your Creditors on your behalf do not exceed your disposable income (less our fee) as calculated by us, for the same period.
4.4 We shall attempt to agree with your Creditors, where appropriate, that they freeze or reduce their interest charges and that they suspend or withdraw enforcement proceedings issued in connection with your agreements with them. In rare instances County Court proceedings may still be carried out against you. In these cases we will assist in completion of all relevant paperwork as required. We can not guarantee to stop legal action by your creditors.
4.5 We shall make payment to your Creditors in accordance with the Debt Management Programme.
4.6 The payment made to your Creditors will be reflected on the statements you will receive from them. A full breakdown of all payments we have made can be obtained on request. On all Creditors accepting the offers of repayment we will issue you with a breakdown of these. In addition we will issue monthly statements showing all payments and receipts of your account.
4.7 Should your circumstances or any other relevant information change during the Period, we shall, in consultation with you and your creditors review the Debt Management Programme and if necessary shall make changes to it in agreement with you and any Creditors concerned.
4.8 From time to time your Creditors will request an up date of your financial situation. We will contact you to review your current financial circumstances and update your Debt Management Programme accordingly. To aid this process we request that payslips are regularly forwarded to us for review.
4.9 All payments to us will be made into our Clark Richards Limited Client Account. This account is separate to our own business accounts and funds held for distribution to your Creditors will be retained for that purpose only. No interest will be payable to you on funds that we hold. At times funds held for distribution to your Creditors will be classed as clients monies.
4.10 During the negotiation process some Creditors may continue to charge interest and other recovery charges. We cannot always prevent these charges being levied. These will however be paid off as part of your Debt Management Programme.
4.11 We can only provide advice on the services that we offer.
4.12 The company takes any complaint regarding its practices very seriously. Any complaints can be sent in writing to the Directors of the company and shall be dealt with by them personally. The directors will return correspondence within 14 days.
5 How we will be paid
5.1 Unless we agree otherwise with you we will take from each monthly payment under the debt management programme a fee equal to 16.9% of the periodic payment under the debt management programme. Subject to a minimum of £34.50 and a maximum of £90. If in accordance with our records you have conducted your debt management programme satisfactorily we may, at our discretion, waiver the last 6 months management fee.
5.2 Because most of our work will be done at the start of the Period, we will charge an initial fee based on your programme payment. The initial fee will not exceed the equivalent of 2 months’ payments to your Debt Management Programme.
5.3 If this agreement is ended in accordance with section 6, we will return any undistributed funds after having deducted the above fees and you will not Have to pay us any more money. This will be made within 30 days of receiving written confirmation in order to allow us time to process all receipts and payments to your account.
5.4 In the case of weekly payments, 4 times the weekly payment will equate to one month’s payment.
6 Termination of Agreement
6.1 If for any reason you wish to cancel, we offer a 14 day cooling-off period from the date you sign this document, in which we offer a full refund of any fees which we have taken.
6.2 After the 14 day cooling-off period you may end this agreement by giving us four weeks’ notice in writing.
6.3 We may end this agreement by giving you four weeks notice in writing if any one of the following things happen: 1) You breach this agreement and do not remedy the breach within 7 days of your bringing the breach to your attention; 2) A bankruptcy petition is issued against you; 3) You enter into an Individual Voluntary Agreement/Trust Deed; 4) Where the information provided to us is knowingly incorrect. 5) The information provided by you at the time of acquiring a loan(hp agreement, credit cards or any other form of credit) is deemed incorrect or fraudulent by any creditor, or 6) If we are affected by Force Majeure.
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