How it works

Five steps, all in writing, at whatever pace suits you. You can stop and come back at any point — nothing is sent to a creditor until you sign.

1. Step 01

   Build an honest budget

   Type your income and bills, or upload bank statements and payslips and let the reader fill them in. Everything follows the Standard Financial Statement, so creditors recognise the format straight away.

2. Step 02

   See where the money goes

   A clear chart shows your average monthly income against your essential bills, with the averaging method printed underneath so it stands up as evidence.

3. Step 03

   List everyone you owe

   Add each creditor by name, or pick from the UK creditor directory. You can also photograph a demand letter, fine or credit report and have it read for you — nothing is added to your list until you tick it.

4. Step 04

   Sign once

   Whatever is left after essentials is split fairly between your creditors, in proportion to what each is owed. If that comes to five pounds a month, five pounds is the offer. You sign one authorisation and we write to all of them.

5. Step 05

   Watch the responses come in

   Each creditor gets a secure link to accept and return their own Direct Debit details. You see who has accepted, who is still thinking, and what is due next — all without phoning anybody.