FAQs

Got a question to ask? We’ve got the answers you need.

The best way to contact us via our website or by emailing info@ditchdebtwithdignity.com.

If you could please provide your name and telephone number that would be great, we’ll then email you to arrange a convenient time for our adviser Wendy to give you a call.

Initially you don’t need to prepare anything, when we work together, we take things at your pace. In order to put your plan in place and to support you to get your finances back on track we will need some information and confirmation of your current balances via statements but only when you feel ready and able.

Our service is free of charge, and we do not take any payment from your plan, some organisations will charge a fee from your payment plan payment. We are a charity and take no payment for our services either directly or indirectly.

It is likely that your credit score and credit file will be adversely effected in the short term, however it is unlikely you will lose your home and you should also be able to renew phone and car payments in most circumstances. In our experience the longer term positive effect of getting your finances under control far outweigh the short term effect taking control will have on your credit file.

No one is bound to working with us, you can disengage our services at any time, our priority is to ensure you feel in control and empowered when working with us, so it is important that you know that you are not tied to working with us for any longer than you want to.

The main benefit our clients find is we stop the noise, we stop the calls, letters and emails that you are receiving from your creditors to give you space and peace to work out next steps.

Once we’ve stopped the noise we then work with you to put a budget and affordable plan in place to ease the financial strain and anxiety you dealing with.

We will not take any steps without your approval, you remain in control at all times, and we work with you to put a plan in place that you feel will work for you with the aim of clearing your debts and increasing your savings.

We have worked with clients with very large debts and in our experience there is always a way forward. You don’t need to see the whole plan we just need to work out the first step and take it from there, we can do that with you.

Once we’ve stopped the noise we then work with you to put a budget and affordable plan in place to ease the financial strain and anxiety you dealing with.

We will not take any steps without your approval, you remain in control at all times, and we work with you to put a plan in place that you feel will work for you with the aim of clearing your debts and increasing your savings.

We have worked with clients for over 10 years and none of our clients have lost their home by going into an informal debt arrangement, we are experienced in this area and can put a plan in place that in most cases should enable you to keep your home. There have been some clients who have decided to sell their home to downsize but that was never enforced by us and only done once they felt comfortable doing that. You retain control over the actions we take.

Once we’ve stopped the noise we then work with you to put a budget and affordable plan in place to ease the financial strain and anxiety you dealing with.

We will not take any steps without your approval, you remain in control at all times, and we work with you to put a plan in place that you feel will work for you with the aim of clearing your debts and increasing your savings.