England and Wales, highest score first in each group. What is a DMP?
Some DMPs are free; others charge fees. A DMP is one monthly payment for your debts.
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Prefer free help? Free debt advice
These services are free and independent. They can look at your whole situation, including options that these companies do not offer.
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They say they charge no fees for a DMP.
Debt advice and DMPs · IVA services
4.6 / 5 4,405 reviews on Trustpilot checked
Free debt advice and free debt management plans. IVAs go to its sister company, PayPlan Partnership.
Fees: Free debt advice and free debt management plans. IVAs are run by a sister company, and IVA fees come out of your monthly payments.
Good to know: Creditors pay PayPlan donations to fund its plans. An IVA is run by a different company.
Debt advice and DMPs · IVA services
4.6 / 5 2,727 reviews on Trustpilot checked
UK debt charity giving free advice and free debt management plans. It also sets up and manages IVAs through its own subsidiary, StepChange Voluntary Arrangements.
Fees: Free debt advice and free debt management plans. IVAs have fees: they come out of your agreed monthly payment, with no up-front fee. It says IVA fees go back to the charity.
Good to know: Its advice and debt plans are free, but its IVAs, run by its own subsidiary, charge fees.
DMP fees apply with these providers; free DMP providers are also available. Fees mean less of your money goes to your debts, so your plan can take longer.
Debt advice and DMPs · IVA services
4.9 / 5 1,032 reviews on Trustpilot checked
Online debt adviser. Free advice, then a fee-charging plan or a referral to an IVA, DRO or bankruptcy.
Fees: Advice is free. A debt management plan costs £55 a month for six months, then £39.50 a month. IVA fees come out of your IVA payments.
Good to know: Free advice, but most plans charge fees. IVAs are run by an outside insolvency practitioner.
Debt advice and DMPs · IVA services
4.6 / 5 351 reviews on Trustpilot checked
Debt adviser with fee-charging debt management plans. IVAs go to its sister company, MoneyPlus Insolvency.
Fees: Debt management plan fees: £52 a month (or 49% of your payment, if lower) from your first payment. A £500 arrangement fee is taken from the same payments, in parts, for up to 18 months. Ask how much of each payment reaches your creditors while both fees are taken. IVA fees come out of your IVA payments.
Good to know: Its plans charge fees. Free plans are available elsewhere.
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