How we can help you

If you're struggling with your finances, especially during this difficult and uncertain time,
then it can be difficult to know which way to turn. It can be confusing for a lot of people.

Get Debt Help

At Unite Help, we can help you. We'll look at your financial situation and give you expert debt advice and recommend debt solutions to suit your situation. We can also help you set up and support your chosen solution.

Our team of debt experts help thousands of people to deal with their debt problems, and get their lives back on track.

3 Simple Steps to Getting Debt Help

Step 1

Complete the online form for our debt agents to review.  At this stage, we may recommend issuing a holding letter to each of your creditors. A holding letter is designed to inform your creditors that you are experiencing financial difficulty at this time and you are receiving debt advice to remedy their repayment. 

Step 2

After a full review of your submission, we will contact you to discuss your debt and advise you on an appropriate course of action. Although every situation is unique and the advice you receive will be specific to YOUR circumstances it is likely that we will assist you with one or more of the following arrangements.

Token Payment Plan (TTP)

With a TPP, you pay £1 a month to each of your creditors until your situation improves enough so you can pay them more.

We can also ask for your debtors to freeze interest and other charges during this period to stop your debt increasing further.

Debt Management Plan

A debt management plan (DMP) helps you to manage your debts and pay them off at a more affordable rate by making reduced monthly payments.

We'll work with you to establish a repayment that meets your household budget and needs. If a DMP is the right next step for you, we’ll help you set it up and manage it.

Notification of No Funds to Pay Debt

In the situation where your outgoings total more than your income, we can help you notify and inform your creditors.

As part of this process, we create a budget summary showing your household income and total outgoings so that it can be sent alongside the notification letter.

We will then work with you to make every effort to improve your financial circumstances and then reach back out to creditors when ready and affordable.