Where and when do I start?
Just phone us on our free phone number 0800 019 7465 and our fully trained advisors will be here to answer all your questions and put you on the right track. Otherwise fill out one of our online forms, Free Debt Analysis Form, Contact Us Form, or Call Me Back Form and you will hear from us in due course.

How can a debt management company help me?
If you are more than £3000 in debt then we can help by offering advice and renegotiating your debts for you. Our negotiators have many years of experience in dealing with debts and financial issues at all levels of enquiry.

How is Debt Release Direct different from other debt management companies?
Firstly we pride ourselves on being a professional total solutions company here in the UK. We have unrivalled experience in dealing with enquiries at many different levels. Moreover, our management fee is fixed and not charged as a percentage of your payment to us.

Will using Debt Release Direct make my credit rating any worse?
By entering into a debt management program with Debt Release Direct you will be entering into a reduced payment arrangement with your unsecured creditors, you should therefore not be taking out any more debt whilst on the programme.

Any missed or significantly reduced payments to your creditors will effect your credit rating with credit referencing agencies. Bad credit rating can effect your ability to take out further credit for up to six years.

What kind of debts does Debt Release Direct deal with?
At Debt Release Direct we deal with all types of debt but we are specialists in dealing with severe debt cases, these are usually debts of over £15000 owed to your creditors. Every case is unique and we need to look at the whole picture for you.

Can Debt Release Direct help me if I have secured debts?
Debt Release Direct prides itself in helping people who may be facing repossession, or simply need to save money on a remortgage or secured loan. Please see Homeowner's section.

Why shouldn’t I just renegotiate myself?
There is no problem in renegotiating the debt(s) yourself however at Debt Release Direct we have fully trained negotiators who know how to put together a proposal to your creditors which would include a statement of liabilities, a financial statement showing your income and expenditure and a surplus or deficit. We also have relationships and contacts with most of the finance houses.

How long does the whole process normally take?
Every case is unique and a lot depends on how quickly your creditors react to our proposals, however we are usually turning cases around in 1 month.

How does it work?
Your creditors are contacted with a letter of authority signed by you our client. This is sent with your financial statement, your income and expenditure and your statement of liabilities.

A proposal is put together and each of your creditors payments are calculated on a pro-rata payment method, meaning in line with the size of there debt level. We then collect from you our client one single monthly payment on a Standing order and pay out to your creditors each month your payments.

You will only be asked to pay what is fair and affordable to you once we have assessed your income and all essential living expenditure. As long as you our client make regular payments to us we are able to make payment to all of your creditors after a deduction of our management fee.

If I decide to go along with your advice and company – I am paying a fee. Do you have a letter of contract? To assure me that you will handle all the administration etc…
As discussed our management fee is fixed for the duration of your plan, we deduct our management fee on a monthly basis before paying your credit companies.

How much is the fee charged by Debt Release Direct?
Our fee is dependant on how many creditors we are paying for you. this is directly linked to the amount of work our company is doing for you on a month by month basis.

What do I do if the creditors still ring me at home even though you are dealing with my cases?
If a creditor persists in contacting you, you take their name and number for DCD to contact them on. We will do our best to prevent creditor harassment but finance companies prefer to continue their collection procedures until a new arrangement is agreed.

What information will be required?
We need as much information as possible. Some creditors require verification of wages etc. others, accept what we say. It is important to deal with the debts in an open and transparent way. That’s how we get agreement because the financial institutions know we won’t give them any misleading information.

What if I am afraid to tell my partner or my parents about my situation? Will they need to know?
The information that you give to DCD is protected by the data protection act and we will only discuss the case with yourself or an authorised person.

How do you keep me up to date with negotiations of my creditors?
You will be assigned to a dedicated case administrator who will be responsible for you as a client. You will be given full contact details of your case administrator. We can email you every few days and always reply to email questions promptly.

Debt Release Direct Ltd
First Floor, Crown House, Bury, Lancashire, BL9 7JR
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