Important points to remember

1. You must pay priority debts such as your mortgage, rent, council tax and utility bills first. This company will prioritise these for you and keep you informed of any changes. They will ring fence sufficient of your income to allow you to do this before calculating what you can afford to pay your other creditors. They will make an allowance in your monthly expenditure for any arrears with priority debts.

2. If your creditors send you threatening letters or issue court proceedings, do not ignore them. Tell this debt management company immediately and forward any correspondence to them and they will advise you what to do.

3. Do refer any telephone calls from your creditors to your Debt Management Personal Case Manger quoting your Debt Management Agreement (DMA) number.

4. Entering into a Debt Management Plan may increase the amount of time it takes to pay off the debts and may increase the total amount you pay back.

5. Once all you debts have been itemised on the Client Financial Planner and all your income has been calculated, they will work out how much you can afford to pay each month to start tackling any arrears with priority creditors and your unsecured debts. Your Debt management Advisor will also help to ensure that any additional income to which you or your family are entitled is being claimed, plus they will look at your energy costs to find ways of reducing these.

Your advisor will explain the client Charter and will complete a Visit Checklist with you.

DEBT MANAGEMENT AND DEBT CONSOLIDATION HELP AND ASSISTANCE 

AVON
Aust , Badminton , Bath , Bristol , Keynsham , Rangeworth , Shirehampton , Weston Super Mare , Winscombe Sidcot , Yatton

BEDFORDSHIRE
Luton, Dunstable, Bedford

BERKSHIRE
Aldermaston , Ascot , Binfield , Bracknell , Crowthorne , Datchet , Eton , Hayes , Hungerford , Hurley , Langley , Maidenhead , Old Windsor , Pangbourne , Reading , Sandhurst , Slough , Sonning on Thames , Streatley on Thames , Streatley , Sunninghill , Taplow , Windsor , Wokingham , Yattendon 

BUCKINGHAMSHIRE
Aylesbury , Aston Clinton , Beaconsfield , Bourne End , Buckingham , Burnham , Chalfont St Giles , Chesham , Farnham Common , Gerrards Cross , Great Missenden, High Wycombe , Iver , Marlow , Milton Keynes , Newport Pagnell , Marlow , Olney , Stoke Poges , Wooburn Common , Wroughton 

CAMBRIDGESHIRE
Cambridge , Duxford Airfield , Ely , Fenstanton , Huntingdon , Impington , Lolworth , March , Peterborough , St Ives , Stow cum Quy , Swavesey 

CENTRAL LONDON
Coventry , Ealing , Hampstead , Harrow , Islington , Kensington , London , South Kensington , Wimbledon

CHESHIRE
Alderley Edge , Altrincham , Bramhall , Cheadle , Chester , Cranage , Crewe , Ellesmere Port , Hale Barns , Hoo Green , Hyde , Kerridge , Knutsford , Liverpool , Lymm , Macclesfield , Mickle Trafford , Nantwich , Northop , Northwich , Chester , Prestbury , Rowton , Runcorn , Sandbach , Sandiway , South Wirral , St.  Helens , Tarporley , Warrington , Widnes , Wilmslow , Wirral , Woodford 

CLEVELAND
Billingham , Hartlepool , Middlesbrough , Stockton On Tees , Sunderland , Thornaby 

CORNWALL Bodmin , Bude , Falmouth , Fowey , Near Torpoint , Falmouth , Torpoint , Padstow , Penzance , Redruth , Saltash , St Austell , St Ives , Talland By Looe , Truro 

CUMBRIA Ambleside , Appleby , Appleby/Westmorland , B'Ness On Windermere , Barrow in Furness , Bassenthwaite , Bowness on Windermer , Brampton , Carlisle Grange Over Sands , Grasmere , Great Langdale , Kendal , Keswick , M6 Motorway , Mealbank , Newby Bridge , Penrith ,. Kendal , Penrith , Three Bridges , Ullswater , Windermere , Workington 

DERBYSHIRE Alfreton , Ashbourne , Barlborough , Baslow , Belper , Buxton , Castle Donington , Castleton , Chesterfield , Derby , Draycott , Hathersage , Kegworth , Lockington , Matlock , Mickleover , Milford , Bakewell , Osmaston Park Rd , Risley , Shardlow , South Normanton , Swadlincote 

DORSET Abbotsbury , Blandford Forum , Bournemouth , Christchurch , Dorchester , Ferndown , Bournemouth , Weymouth , Poole , Shaftesbury , Sherborne , Sturminster Newton , Wareham , Weymouth , Wimborne , Wimborne Minster 

DEVON Barnstaple , Bideford , Bishops , Tawton , Braunton , Dawlish , Exeter , Exmouth , Forder Valley , Holsworthy , Honiton , Kingsbridge , Maidencombe , Newton Abbot , Exeter , Newton Abbott Okehampton Paignton Plymouth Salcombe Sidmouth Sourton Cross Tavistock Tiverton , Torquay , Totnes , Umberleigh , Woolacombe , Yelverton 

DURHAM Birtley , Chester Le Street , Darlington , Durham , Newton Aycliffe , Barnard Castle , Consett , Rushyford , Stockton on Tees , West Rainton

EAST SUSSEX Battle , Bexhill-on-Sea , Brighton , Cuckfield , East Grinstead , Eastbourne , Forest Row , Hailsham , Hastings , Heathfield , Hove , Lewes , Lewes Road , Newick , Hassocks , Horsham , Rye , Polegate , St Leonards on Sea , Steyning , Uckfield 

EAST YORKSHIRE
Beverley , Bridlington , Hull , Kingston upon Hull 

ESSEX Basildon , Braintree , Brentwood , Broxted , Chelmsford , Coggleshall , Colchester , East Hornden , Epping , Epping Forest , Grays , Great Dunmow , Harlow , Ilford , Ingatestone , Maldon , Colchester , Old Harlow , Purleigh , Southend On Sea , Southend-on-Sea , Stansted Airport , Waltham Abbey , Woodford Bridge , Woodford Green 

GLOUCESTERSHIRE
Bibury , Bourton on the Water , Brockworth , Cheltenham , Chipping Campden , Chipping Norton , Cirencester , Clearwell , Corse Lawn , Cotswolds , Fairford , Falfield , Forest of Dean , Gloucester , Lechlade , Lower Slaughter , Moreton In Marsh , Moreton-in-Marsh , Near Uley , Northleach , Cheltenham , Steverton , Stonehouse , Stow on the Wold , Stow-on-the-Wold , Stroud , Tetbury , Tewkesbury , Twigworth , Upton St Leonards , Wotton-under-Edge 

GREATER LONDON
Billericay , Cranford , Denham , Docklands , Enfield , Hampton Court , Harrow , Harrow Weald , Hayes , Heathrow , Heathrow Airport , Hendon , Henley On Thames , Hillingdon , Hornchurch , Hounslow , Isleworth , Kingston on Thames , London , Middlesex , Richmond , Ruislip , Staines , Sunbury on Thames , Twickenham , Uxbridge , Wembley , West Drayton , Wimbledon 

GREATER MANCHESTER
Ashton Under Lyme , Denton , Handforth , Heaton Chapel , Manchester , Manchester Airport , Stockport , Prestwich , Salford , Salford Quays , Stockport , West Gorton , Wigan , Worsley 

HAMPSHIRE Aldershot , Alton , Andover , Basingstoke , Beaulieu , Bonchurch , Botley , Brockenhurst , Cadnam , Eastleigh , Fareham , Farnborough , Fleet , Fordingbridge , Gosport , Hants , Hartley Wintney , Havant , Hayling Island , Hilsea , Hook , Isle of Wight , Lee on Solent , Liphook , Lymington , Lyndhurst , Milford on Sea , New Forest , New Milton , Ringwood , Ower , Petersfield , Plymouth , Portsmouth , Ringwood , Romsey , Southampton , Southsea , Stockbridge , Tadley , Winchester , Woodlands 

HEREFORD & WORCESTER Bewdley , Broadway , Bromsgrove , Droitwich , Droitwich Spa , Evesham , Great Malvern , Hereford , Kidderminster , Kington , Ledbury , Leominster , Malvern , Malvern Wells , Kidderminster , Park Farm North , Redditch , Ross On Wye , Ross-on-Wye , Stourport on Severn , Upton upon Severn , West Malvern , Worcester 

HERTFORDSHIRE Baldock , Barnet , Berkhamstead , Berkhamsted , Berkhempsted , Bishop's Stortford , Borehamwood , Brickendon , Broadway , Broxbourne , Cheshunt , Elstree , Harpenden , Hatfield , Hemel Hempstead , Hertford , Hitchin , Kings Langley , Letchworth , Potters Bar , Rickmansworth , Sawbridgeworth , St Albans , Stevenage , Tring , Turnford , Ware , Watford , Welwyn , Welwyn Garden City

HUMBERSIDE / EAST YORKSHIRE Grimsby , Hull , Kingston upon Hull , Market Weighton , South Cave , 

KENT  Paddock Wood, Ashford , Bethersden , Bexley , Bexleyheath , Bickley , Bromley , Canterbury , Chatham , Chislehurst , Crowborough , Dartford , Dover , Edenbridge , Faversham , Fawkham , Folkestone , Gillingham , Goudhurst , Gravesend , Hythe , Longfield , Maidstone , Ramsgate , Rochester , Sevenoaks , Tenterden , Tonbridge, Tunbridge Wells , Wilmington,

LANCASHIRE
Ashton-in-Makerfield , Bay Horse , Blackburn , Blackpool , Bolton , Burnley , Bury , Carnforth , Charnock Richard , Chorley , Clitheroe , Ellel , Forest of Bowland , Garstang , Gisburn , Heywood , Kelbrook , Lancashire , Lancaster , Leigh , Leyland , Lytham St Annes , Manchester , Morecambe , Newton Le Willows , Garstang, Wigan , Oldham , Ormskirk , Preston , Rochdale , Southport , St Annes On Sea , Upholland Wigan , Wigan , 

LEICESTERSHIRE
Ashby de la Zouch , Ashby-de-la-Zouch , Billesdon , Braunstone , Glenfield , Hinckley , Husbands Bosworth , Leicester , Leicester Forest Est , Loughborough , Lutterworth , Market Harborough , Markfield , Melton Mowbray , Oadby , Oakham , Quorn , Rutland , Ullesthorpe , Upper Broughton 

LINCOLNSHIRE
Boston , Bourne , Brigg , Grantham , Grimsby , Lincoln , Market Deeping , Marston , Newland , Scunthorpe , Skegness , Sleaford , Spalding , Stamford , Thorpe on the Hill , Washingborough , Woodhall Spa 

MERSEYSIDE
Bromborough , Bromborough Cross , Crosby , Kirkby , Liverpool , Newton le Willows , Newton-Le-Willows , Little Sutton , Rainhill , Runcorn , South Wirral , Southport , St Helens , Wallasey , Whiston , Wirral 

MIDDLESEX
Brentford , Edgware , Enfield , Greenford , Harrow , Hounslow , Middlesex , Shepperton-on-Thames , Staines , Teddington , Twickenham , Wembley
NORFOLK Acle , Cromer , Diss , Dunston , Great Yarmouth , King's Lynn , Kings Lynn , Lowestoft , Norwich , Diss , Holt , Norwich , Old Hunstanton , Stalham , Swaffham , Thetford , Wroxham , Wymondham 

NORTH YORKSHIRE
Boroughbridge , Brighouse , Darlington , Easingwold , Harewood Whip , Harrogate , Hartlepool , Kingston on Hull , Kingston upon Hull , Leeds , Malton , Middlesbrough , North Yorkshire , Northallerton , Northallerton , Richmond , York , Pickering , Richmond , Ripon , Scarborough , Skipton , Sowerby , Stockton on Tees , Tadcaster , Thirsk , Utley , Whitby , Yarm , York 

NORTHAMPTONSHIRE
Blisworth , Corby , Crick , Daventry , Desborough , Kettering , Marston Trussell , Newport Pagnell , Northampton , Daventry , Round Spinney , Rushden , Saltburn by the Sea , South Road , Thrapston , Towcester , Wallsend , Weedon , Wellingborough , Weston Favell , Yarm 

NORTHUMBERLAND
Allensford , Alnwick , Belford , Berwick upon Tweed , Cornhill-on- Tweed , Hexham , Morpeth , Newcastle , Otterburn , Sunderland 

NOTTINGHAMSHIRE
Ashover , Blyth , Chilwell , East Retford , Newark , Nottingham , Retford , Worksop , Retford , Sandiacre , Southwell , West Bridgford , Wollaton Vale , Worksop
OXFORDSHIRE
Abingdon , Banbury , Bicester , Burford , Bury Barn , Chipping Norton , Church Enstone , Clanfield , Deddington , Didcot , Dorchester on Thames , Faringdon , Great Milton , Henley On Thames , Horton-Cum-Studley , Iffley Village , Kingham , Middleton Stoney , Milton Common , North Stoke , Chinnor , Oxford , Old Woodstock , Oxford , Steeple Aston , Thame , Wallingford , Wantage , Warmington , Weston on the Green , Wheatley , Witney , Woodstock 

SHROPSHIRE
Bridgnorth , Church Stretton , Ludlow , Market Drayton , Newport , Oswestry , Pattingham , Shifnal , Shrewsbury , Shropshire , Telford , Whitchurch

 SOMERSET
Aldwick , Axbridge , Brent Knoll , Bridgwater , Clevedon , Dunster , Frome , Henlade , Illminster , Mid Somer Norton , Minehead , Shepton Mallet , Taunton , Wells,  Weston-super-Mare , Yeovil 

SOUTH YORKSHIRE Barnsley , Bramley , Broomhill , Chesterfield , Collegiate Campus , Doncaster , Huddersfield , Leeds. Doncaster , Rotherham , Sheffield , Wormbwell 

STAFFORDSHIRE
Fradley , Alton , Branston , Burton on Trent , Cannock , Keele , Lichfield , Longford , Near Stafford ,Newcastle under Lyme , Penkridge , Rugeley , Stafford , Stoke on Trent , Stone , Tamworth , Uttoxeter , Wolverhampton , Yoxall 

SUFFOLK
Beacon Hill , Brandon , Bury St Edmonds , Bury St Edmunds , Bury St. Edmunds , Felixstowe , Ipswich , Lowestoft , Mildenhall , Newmarket , Eye , Ispwich , Stowmarket , Sudbury , Ufford , Woodbridge 

SURREY
Ascot , Bagshot , Camberley , Chertsey , Chessington , Cobham , Crawley , Croyden , Croydon , Dorking , East Horsley , East Molesey , Egham , Epsom , Epsom Downs , Esher , Farnham , Frimley , Frimley Green , Gatwick , Godalming , Guildford , Hampton Court , Haslemere , Hindhead , Horley , Kingston on Thames , Kingston Upon Thames , Kingston-Upon-Thames , Leatherhead , Lingfield , Morden , Guildford , Ottershaw , Redhill , Reigate , Richmond , Richmond on Thames , Richmond-on-Thames , Shepperton , South Croydon , Staines , Surbiton , Surrey , Sutton , Tadworth , Walton on Thames , Weybridge , Woking 

TYNE AND WEAR
Gateshead , Hull , Jesmond , Kenton ,  NewcastleUpon-Tyne , Gateshead , Seaburn , South Shields , Sunderland , Tyne and Wear , Washington , Whickham 

WARWICKSHIRE
Alcester , Barford , Bingley , Charlecote , Coventry , Gaydon , Hockley Heath , Kenilworth , Lea Marston , Leamington Spa , Market Bosworth , Coventry , Nuneaton , Rugby , Ryton on Dunsmore , Sibson , Stratford Upon Avon , Stratford-upon-Avon , Thurlaston , Warwick , Wellesbourne , Winyates Green , Wishaw WEST MIDLANDS
Aldridge , Balsall Common , Berkswell , Birmingham , Birmingham bus park , Coleshill , Coventry , Coventry Sth , Dudley , Edgbaston , Hall Green , Meriden , Redditch , Selly Oak , Solihull , Sparkbrook , Stourbridge , Sutton Coldfield , Towcester , Walsall , Warley , West Bromwich , Wolverhampton 

WEST SUSSEX
Arundel , Billingshurst , Bognor Regis , Chichester , Copthorne , Crawley , Cuckfield , East Grinstead , Fontwell , Forrest Row , Gatwick , Haywards Heath , Hickstead, Horsham , Hove , Lancing , Littlehampton , Lower Beeding , Midhurst , Pulborough , Rusper , Steyning , Storrington , Turners Hill , Worth , Worthing 

WEST YORKSHIRE
Armley , Bilborough , Bingley , Bradford , Bridlington , Brighouse , Castleford , Dewsbury , Ferrybridge , Gomersal , Halifax , Huddersfield , Ilkley , Keighley , Leeds , Liversedge , Low Moor , Peckfield , Pontefract , Shipley , Wakefield , West Yorkshire , Wetherby 

WILTSHIRE
Amesbury , Bath , Beanacre , Bradford On Avon , Chippenham , Corsham , Cricklade , Longleat , Malmesbury , Marlborough , Marlborough , Salisbury , Swindon , Warminster , Wootton Bassett Scotland