Resolve (UK) are Licensed under the Consumer Credit Act 1974 to provide personal debt advice and corporate debt advice.

They're trusted by: The Ministry of Defence; SSAFA Forces Help and The British Legion.

Why Resolve (UK)?

• Firstly. We're an ethical debt advice company with an understanding of what debt does to the quality of life of real people - and a compassionate, ethical approach to dealing with it.
• Secondly. We charge no upfront fees - unlike many others - and in many cases will charge no fees whatsoever. In fact, if you are asked to pay an upfront fee, be very wary. In some cases, this is against the law.
• Thirdly. Resolve (UK) are specialists in finding debt solutions tailor made to a particular debt problem. Each debt problem is an individual one and we treat it as such, with innovative, effective solutions - and not an automatic reversion to an IVA or consolidation loan, if that is not the best solution in a particular case. (Why do many companies recommend an IVA or Consolidation Loan? Click HERE for the answer to that.)
• Fourthly. Resolve (UK) is one of a select few licensed debt advisors to SSAFA Forces Help and The British Legion. As such, we are called upon by the Ministry of Defence, to assist soldiers, sailors and airmen with debt problems - in total confidentiality. If the MOD trusts us to advise their personnel, if those personnel trust us to deal with them fairly - we feel you can trust us too.
• And fifthly. We ensure there is no employer contact from your creditors, an issue of major importance to military personnel in particular due to the inevitable consequences, but also of course to civilians.

If.....

• You're being harassed by debt collection agencies
• They are causing you to be concerned or fearful
• They are threatening to talk to your employers
• They have approached you at work, including by telephone

....they will already have broken the law, especially relating to the Data Protection Act in the latter two points.

We will stop this intimidation for you immediately and provide immediate protection from your creditors. We will also act in a timely fashion, on your behalf, in all other aspects. The sooner we can start working for you, the sooner the weight will be lifted from your shoulders and you can start to get on with your life again. Some agencies will await funds to clear - and longer - before they start to work for you. But be assured, we will only do so with your express approval.

Consolidation loans, IVAs and bankruptcy.

Consolidation loans.
Before you take out a consolidation loan, be aware that this is actually the correct solution for only around 1% of those in debt.

Consolidating debts usually involves borrowing more money in hope of managing the existing debt. Although this appears to solve immediate problems, more often than not it increases debt and simply postpones the problem until a later date. With a consolidation loan, you will always owe more than you did before and the length of time you remain in debt will be extended.

IVA
An IVA is not necessarily the correct solution for your particular circumstances, though many debt advice agencies will offer this as a first choice. Why? Because that is most profitable for THEM believe it or not. We do, it has to be admitted, have a "bee in our bonnet" about this issue, it being an ethical one.

We make a promise to you, to never offer a solution to you based on the profit WE can make from it.

Bankruptcy.
Bankruptcy is not always the best answer either. Both IVA and bankruptcy can have serious repercussions both at the time and later. However, in certain circumstances and for a small percentage of cases, one or the other may actually be the best solution. You may need to take professional advice to ascertain which is best.

Debt Management.
Debt management companies, in the main, do just that - manage your debt for you - for a fee. This doesn't make your problem any better, it merely spreads it out over a longer period and in the long run, with more to pay out in removing the increased amount of debt - plus their management fee.

Alternatives.
In many cases, we will be able to advise you how to manage your own debt more effectively and without paying us any fee whatsoever. For instance, if you're running your bank account in constant overdraft, then you're already spending far more for everything you purchase than you could be. There are other solutions, which will prevent such unecessary overspending, our advice will be invaluable in this regard.

Take professional, ethical advice before you consider actioning either an IVA or declaring yourself bankrupt, taking out a consolidation loan or other methods.

Contacting Resolve (UK) may feel like the hardest thing you have ever done. At first.

Then you'll wonder why you didn't do it before. Do the hardest thing ever. Visit the response form HERE (or HERE for a new window). Or of course, call 0845 466 0364.

After you do the 'hardest thing ever', everything else is going to seem much easier.