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Debt Free Direct is probably the most well known debt help company in the UK. They are currently the biggest of all of the IVA companies in the UK and if you watch day-time television, chances are you have seen one of their adverts.
We have been to visit their call centre in Lancashire and were impressed with their staff and the sensitivity and understanding displayed when dealing with a very difficult subject. The feedback we've had from people who have contacted them has also been excellent.
Like their main IVA competitors, they do not charge for proposing your IVA to your creditors and make their money from taking a % of the monthly fee you can afford to pay back to your creditors. Essentially the IVA is free to you and funded by the people you owe money to.
To ensure that you get the right advice, complete the form on the right and you'll find out who we suggest you talk to get out of serious debt, or read our review of the UK's best debt charities. This helps those in serious debt to avoid advisors who charge excessive fees or feel it is reasonable to extend the period individuals are in debt beyond what is reasonable and logical.
| Solutions | Debts Written Off | Legally Binding | Interests & Charges | Residential Status | ||
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Average 58%*
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Yes
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Stopped
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Tenant or Homeowner (Eng/Wales)
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Not Normally
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No
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Many Freeze
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Tenant or Homeowner
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Consolidated
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Yes
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New Rates & Charges
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Tenant or Homeowner
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Bankruptcy is a severe last resort if you are in serious debt and no other debt solution can save you from going bankrupt. Bankruptcy may protect you from your creditors and allows you to start fresh, but you need to think carefully about all the implications involved.
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*58% was the average debt write off with an IVA, April - June 2008, CCCS
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There are lots of searches used to find Debt Free Direct. They include: 'debt direct', and 'debtfree direct'. If after finding Debt Free Direct and using their service, would like to share your experience with other users of Talk About Debt by creating a Debt Free Direct Review by using the review functionality below. It's really important to us that we put people in need of debt help in touch with only the best and most trusted companies.
I was really happy with their service. I was really nervous and they made talking about being in debt ok. I ended up with an IVA and it's working out well for me and the family.Reviewed by: Anita
Would reviewer recommend this organisation? Yes
Dept Free Direct have helped me organise an iva and i think they are good.Reviewed by: Lorri
Would reviewer recommend this organisation? Yes