Our Promise to you….

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We will work hard and act ethically for our clients and ensure that we act professionally at all times. We are not tied to any particular product or service so we can be impartial and give clear WRITTEN ADVICE.

Debtless aims to help you sort your debt problems as quickly and easily as possible, we have lots of happy clients but sometimes things might not work out. In that case, if you have any complaints or suggestions please feel free to contact our managing director Keith Steven on 01289 309431, or by email at

keiths@ksa.companyrescue.com

Who are we?

We think it is important that you know who you are dealing with. There are many websites out there that say they will help worried people; but they hide behind a faceless website with no address details and they are only trying to do one thing – sell you something that they make the most money from!

Debtless is a trading name of KSA (NE) Ltd, we are based in Units 7 & 8 The Chandlery, Berwick Upon Tweed, TD15 1HE and we have offices in Stansted and Birmingham.

KSA is in its 10th year of trading and Keith has been in turnaround and insolvency for 12 years, KSA’s team has been involved in helping thousands of people over that time.

Our telephone number if you prefer not to use our freephone number (0800 9700539) is 01289 309431 and fax number is 01289 309429.

If you would like to see more of what we do please visit these web sites

www.4anewstart.co.uk a website for people with debt problems

www.companyrescue.co.uk the UK’s leading website for businesses with debt problems

www.ksacompanyrescue.co.uk KSA’s company website – it shows you more about us.

KSA is licensed by The Office of Fair Trading under The Consumer Credit Act 1974.

How do we get paid?

We do not make any UP FRONT CHARGES for our advice. We always provide written advice free of charge. Please compare that with other advisors!

We work closely with suppliers of services and products that can solve your problems. Over time we have developed relationships with banks, loan companies and credit card companies. We know how they work and think.

So we will not waste your time putting forward solutions that will not, be accepted.

Individual Voluntary Arrangements

If we feel an IVA is appropriate we will make a recommendation in writing with some reasons for our suggestion. If you accept, we will collect information from you and then introduce you to an Insolvency Practitioner, who then proposes and supervises the IVA

The Supervisor pays our fee for our work from the Arrangement. You do not pay a separate fee to Debtless.

Debt Management Plans

If a DMP is the way forward, we will either write and manage the plan ourselves or we may introduce you to a company who specialises in this area.

Bankruptcy

If you need help to fill out the bankruptcy forms we will charge you a nominal amount for our work. Currently this is £199.

Informal Time to Pay Deals

If you need help to propose a time to pay deal (say with one or two creditors) we charge an agreed amount to you.

Loans

If we recommend a loan to help you please be aware that the details published on this site are intended for information only and should not be construed as advice under the Financial Services & Markets Act 2000. You are advised to take appropriate professional and legal advice before entering into any binding contracts. For avoidance of doubt we will receive a commission payment from the loan provider.

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