Banks & lenders
Loans, payday loans, credit cards, consumer credit.
Book a free phone consultation with our advisor. We'll review your situation and recommend the right legal solution for England, Scotland, Wales or Northern Ireland.
"They solved my debt problems in just a month. Professional and trustworthy — I recommend Open Finance to everyone in a debt situation." — Karina, Google Review
From the comfort of your home, with professional advisers — together we'll get you back to normal.
We understand the burden. Thousands of people in the UK live with debt that keeps them up at night — and the worst part is feeling there's no way out.
Loans, payday loans, credit cards, consumer credit.
Tax credit, housing benefit and other DWP overpayments.
Catalogue accounts, payment plans, deferred-payment invoices.
Tax arrears and government department debts.
We combine the safety of UK regulation with truly personal service and full transparency.
We hold a full Financial Conduct Authority licence (FRN 826131) to provide debt counselling services in the UK.
From the first call to signing documents — everything explained in clear, plain English (with translation support if needed).
For over 11 years we've helped thousands of people in the UK get out of debt — across all four nations.
Your assigned account manager guides you through the entire process — from first call to implementing the solution.
Choose a convenient time in our calendar. Takes about a minute.
We review your situation and propose the right legal solution. No fees, no obligation.
We guide you through the whole process — from paperwork to communicating with creditors.
Available in England, Wales and Northern Ireland. Typically 5 years. One monthly payment for all debts — remaining debt is written off at the end of the programme.
Consolidation arrangement. One monthly payment covering all your debts — does not write off any portion of the debt.
Simplified bankruptcy procedure for people on very low income. Consequences similar to bankruptcy. Duration: 1 year.
For court debts up to £5,000. Handled by your local County Court.
Personal insolvency — usually treated as a last resort, but in some cases the only and best solution.
Debt Respite Scheme — up to 60 days of legal protection from creditor action. Interest and fees are frozen. For mental health crisis cases — for the duration of treatment + 30 days.
A loan that combines several debts (credit cards, loans, others) into one monthly payment. Simplifies repayment and may reduce monthly cost — typically requires security (e.g. property).
Available in Scotland. Typically 4 years. One monthly payment for all debts — remaining debt is written off at the end of the programme.
Debt repayment plan that protects you from creditor action. Designed for Scottish residents.
Simplified Scottish bankruptcy procedure for people on very low income. Duration: 1 year.
The Scottish equivalent of bankruptcy. Used when other solutions aren't viable.
Debt Respite Scheme — up to 60 days of legal protection from creditor action with interest frozen. Mental health crisis — for the duration of treatment + 30 days.
A loan combining several debts into one monthly payment. Simplifies repayment — typically requires security (e.g. property).
5-year repayment plan with the remainder of the debt written off at the end.
One monthly payment for all debts, without write-off.
Simplified bankruptcy for people on low income. Lasts 1 year.
For court debts up to £5,000, handled in your local court.
A last resort, but in some situations — the best solution.
Up to 60 days of legal protection with interest frozen. Mental health crisis — duration of treatment + 30 days.
One loan combining several debts. Simplifies repayment — usually requires security.
5-year repayment plan with the remainder of the debt written off at the end.
One monthly payment for all debts.
Simplified bankruptcy for people on very low income.
Used for court debts up to £5,000.
Personal insolvency — a last resort.
Up to 60 days of legal protection with interest frozen. Mental health crisis — duration of treatment + 30 days.
One loan combining several debts. Simplifies repayment — usually requires security.
Can't find the answer? Book a free consultation — our advisor will explain everything on the call.
Book free consultationYes — the consultation with our specialist is completely free and with no obligation. You only pay if you decide to proceed with a specific legal solution.
No. Filling out the form and talking to an advisor does not affect your credit score until you accept the proposed solution.
We provide full service in English and Polish. If you speak another language, translation support is available.
Yes. We hold our own full FCA licence (FRN 826131) for providing debt advice in the UK, are registered with the ICO and Companies House.
We call back at the time you choose. If you tick "Call me back today", we'll get in touch the same day during business hours (Mon–Fri 8:00–20:00, Sat 8:00–18:00).
Yes. We operate in accordance with our ICO registration (ZA315174) and UK GDPR. Your data is used only for the consultation.
Yes — free debt counselling, debt adjusting and credit information services are also available from MoneyHelper, the impartial Government service. Using our service is entirely voluntary.
Leave your details and an advisor will call you back at your chosen time.
Book free consultation Consultation is free · Does not affect credit score · Full FCA licence
The MoneyHelper is an impartial service set up by the Government. For free debt counselling, debt adjustment and credit information service, visit www.moneyhelper.org.uk