Debt & Money

If you are in debt, it can be overwhelming, but you need to take action quickly to stop the situation getting any worse.

We can help you sort out your debts including:

  • Credit Cards
  • Rent Arrears (including possession claims)
  • Mortgage Arrears (including possession claims)
  • County Court Judgements
  • Magistrate Court fines
  • Council tax Arrears
  • Pay day Loans

We can negotiate a reduced payment plan with your creditors.

If you are on low income and unable to pay your debts, we can assist you in applying for Debt Relief Order (DRO) to write off your debts. This is subject to eligibility criteria.

The Government is introducing the following changes to DROs in England and Wales

  • From 6 April 2024, the £90 administration fee will be permanently removed.
  • From 28 June 2024, the maximum amount of debt that an individual entering a DRO can hold will be increased from £30,000 to £50,000. In addition, the value of single motor vehicle that can be disregarded from the total value of assets an individual seeking a DRO is permitted to own, will also be increased from £2,000 to £4,000.

Ashford Advice are registered intermediaries for debt relief orders. Subject to meeting the eligibility criteria you will be offered face to face advice, and we will submit your application without any fees

What to bring to your meeting

To help our advisors give you the best possible guidance please ensure you bring the following to your meeting:

  • Wage slips,
  • Benefit statements,
  • Pension income statements,
  • Last 3 months Bank statements,
  • Utility bills such as gas, electricity and water.
  • Council Tax Bill
  • Tenancy agreement or details of rent payable
  • Mortgage Statement (if applicable)

We will also need

    • your latest letters/statements from your creditors;
    • details of your addresses for the past 6 years
    • your free statutory credit report from a credit reference agency.

You can obtain your statutory report from (click on link below)

Experian at https://www.experian.co.uk/consumer/statutory-report.html

Equifax at https://www.equifax.co.uk/Products/credit/statutory-report.html

​​​​​​​Transunion at https://www.transunionstatreport.co.uk/CreditReport/AboutYou

How to contact us

If you would like more information or advice please contact us by: