MoneyEase
One affordable monthly payment, shared between your creditors.
Write off up to 78% of your debt with an IVA
See if you could swap all your debt payments for one you can afford. It takes two minutes.
Up to 78% is based on a typical example; what’s written off depends on your circumstances. May not be suitable in all circumstances and fees apply. Your credit rating may be affected. No loans provided. IVAs are only available in England, Wales and Northern Ireland.
See options for what you owe
How it works
Tell us roughly what you owe
It takes seconds, and it won’t affect your credit score.
Have a chat, no judgement
One of our friendly advisers calls you. We’ll ask what comes in and what goes out, never how you got here.
Decide in your own time
Nothing happens until you say yes. And if you’d rather do nothing for now, that’s fine too.
You can also get free, impartial advice from MoneyHelper (opens in a new tab).
Whatever you owe, we can help
Rent, bills, cards, loans, council tax: it can all be looked at together, in one call.
An example of how we can help
See how an IVA could turn all your debt payments into one you can afford, with what’s left at the end written off.
Illustrative example
Let’s say you owe
- Credit cards
- £16,017.26
- Personal loan
- £9,871.40
- Overdraft
- £2,486.15
- Store card
- £1,742.58
- Catalogue
- £1,318.07
- Payday loan
- £1,187.50
- Buy now, pay later
- £964.21
- Energy bill arrears
- £713.36
- Total owed
- £34,300.53
After an IVA
78%written off
£124a month
You pay £7,440 over five years, fees included. The other £26,860.53 is written off.
- Interest and charges frozen
- We deal with your creditors for you
- A clear end date
An illustrative example, not a real client. Your payment is set from what you can afford after essential bills. Written off here is what you owe less everything you pay in over the five years, and fees are taken from your payments, not charged on top. Individual results depend on your circumstances and creditor approval, and no outcome is guaranteed. If you own your own property the term may be extended. Alternative solutions may be available. Fees may be payable if continuing services are provided. Credit rating may be affected. Lenders are not obliged to accept less than the contractual payments, freeze interest and charges or stop further enforcement action. IVAs are only available in England, Wales and Northern Ireland.
The main ways out of debt
Each one works differently. Your adviser will explain which could work for you, and why.
Where do you live?
Showing 5 ways out of debt for England and Wales
- InformalCan be used in England, Scotland, Wales
- FormalCan be used in England, Wales
A legally binding agreement to pay what you can afford. The rest is written off.
- FormalCan be used in England, Wales
For a low income and few assets. Qualifying debts are written off.
- FormalCan be used in England, Wales
Legal protection from most interest, charges and enforcement while you get advice.
- FormalCan be used in England, Wales
Clears most debts when nothing else will work.
How we work
From your first call to the day your plan ends, you deal with us. Here’s what that means for you.
Free advice, clear fees
Our advice is free, with no obligation. If a solution has fees, you’ll see them in full before you agree to anything.
A person, not a script
A real adviser calls you, listens first, and stays your point of contact from then on.
Private and secure
Your details stay with us, and are only shared to set up your plan. We’re registered with the ICO.
Every option, plainly
Including the free ones. You decide, with the full picture, in your own time.
See if we could ease the burden
A few quick questions, answered with a swipe: right for yes, left for no. It won’t affect your credit score, and there’s no obligation.
NoYes
I owe money on a credit card
I owe money on a credit card
Rather talk it through? Call 0151 459 9852
Could we help you?
We can probably help if…
- You owe £6,000 or more in unsecured debt
- You’re struggling to make the minimum payments
- You owe money to two or more lenders
- You have a regular income
We might not be the right fit if…
- Your debt is mostly a mortgage or car finance
- You can comfortably keep up with every payment
- It’s mostly student loans or court fines
In our clients’ words
I received a great service and the staff are extremely helpful and nothing was an issue. I have also emailed a few times through the docs link and had reply within 24 hours on what I needed to do. Great Service.
Martha Everyone that I spoke to regarding my case was extremely kind, considerate and patient with me. The level of empathy that was displayed eased my anxiety and helped to reduce my stress levels regarding my situation.
Chloe I felt a lot of pressure had been taken off me once I had spoken to them. They kept me up to date every step of the way during my IVA set up and I was able to call anytime I needed advice.
Holly
Reviews from clients of SLWB Ltd.
Your questions, answered
Will this affect my credit score?
Checking your options with us doesn’t. A debt solution is recorded on your credit file, but if you’re already missing payments your score is probably affected anyway, and you can start rebuilding once it ends.
How much could I write off?
It depends on what you owe and what you can afford to repay. Some solutions write off part of what you owe; none can promise an amount in advance, and anyone who does is selling you something.
Will my creditors stop contacting me?
In a formal solution like an IVA, the creditors in it have to stop contacting you once it’s approved. A Debt Management Plan is informal, so they don’t have to, though most will deal with us instead.
Is your advice really free?
Yes. Your first assessment and our advice are free, with no obligation. If you go ahead with a formal solution, any fees are explained upfront before you agree. You can also get free, impartial advice from MoneyHelper.