A Clients Journey… Special Advice Team

Many clients that call us have very little or no cash to spare at the end of the month once all essential expenditure has been paid out. This means that, as much as we would like to, we are unable to put these clients into a plan with us. However this doesn’t mean that we will leave the client to go it alone, we have a team of people who will assist these clients in setting up their own plans with their creditors. The Special Advice Team not only assist with self-managed DMP’s but they also assist with Debt Relief Orders, moratorium cases, partners of clients who are in a plan or people who have arrears with their mortgage.

What should I expect?

The Special Advice Team are there to offer long term support to clients that do not qualify for a plan but still require help. You can expect to have someone on hand to help you learn how to deal with your creditors, how to put your budget together and get help putting correspondence together to send to your creditors.

All clients who are referred to the Special Advice Team will be sent a Self Help Pack, and many clients use this to set up a plan successfully on their own. However others prefer to have support which is where the Special Advice Team come into action.

What happens next?

It is harder to say what comes after the Special Advice Team; if your circumstances change and you have more available surplus then we would be able to look at reviewing your circumstances and seeing whether an Individual Voluntary Arrangement or a Debt Management Plan are now suitable options for you. If things change for the worse, then we assist you in considering whether Bankruptcy or even Debt Relief Orders are suitable for you. Some people’s circumstances don’t change, however the Special Advice Team will continue to support you as long as you need our help.

If you would like to speak to one of our debt specialists about a DMP then please call 0800 2802816.

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Written by davemac on July 18th, 2011

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