Administration Order Advice & Help

What is an
administration order?

An administration order is a formal agreement between you and your creditors where you agree to pay back what you owe over a specific timeframe. It is a legal debt solution that has been approved by the courts and creditors must stick to it.

Key facts of an
administration order?

You must have debts of no more than £5,000 in total to be eligible
You must have a CCJ or high court judgement
You must have two more more debts
The courts will dictate how much should be paid each month, based on what you can afford

Who can apply for an administration order?

In order to be eligible for an administration order, you must have debts of no more than £5,000 in total, you must have two or more debts and you must have an unpaid county court judgement or high court judgement against you.

Min. two creditors

You must have two or more debts accrued in order to be eligible for an administration order.

Max. £5,000 debt

You may be eligible for an administration order if you have debts that come to no more than £5,000, allowing you to clear your debt at an amount you can afford.

6 years

Administration orders stay on the Register of Judgements, Orders and Fines for six years. It also appears on your credit file.

Legally binding

All creditors included in the order have to stick to the terms and they’re only able to chase you if they seek permission from the courts first.

Min. two creditors

You must have two or more debts accrued in order to be eligible for an administration order.

Max. £5,000 debt

You may be eligible for an administration order if you have debts that come to no more than £5,000, allowing you to clear your debt at an amount you can afford.

6 years

Administration orders stay on the Register of Judgements, Orders and Fines for six years. It also appears on your credit file.

Legally binding

All creditors included in the order have to stick to the terms and they’re only able to chase you if they seek permission from the courts first.

What happens next?

If we find that you are eligible for a debt relief order, we will be able to refer you to our partner for your application to be processed. For residents of Northern Ireland there is a fee of £90 which must be paid before the application is submitted; for residents of England & Wales, there is no fee to pay. If we find that a DRO is not suitable for you, then we will look into other debt solutions that suit your current circumstances.

Eligible Debts

An administration order may work for…

No particular debts are excluded from an administration order, but some of the debts you may have could include: Credit cards, payday loans, store cards, overdrafts, personal loans, catalogues etc.

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Credit Cards

Payday Loans

Store Cards

Overdrafts

Personal Loans

Catalogues

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Ineligible Debts

An administration order may not work for…

Administration orders may not be appropriate if you have debts of over £5,000, you only have one creditor, you don’t have an unpaid court judgement and/or you have no surplus income. They may also not be appropriate for mortgage or rent arrears.

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Debt greater than £5,000

One debt

No CCJs

No disposable income

Mortgage

Rent arrears

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The upsides to using an administration order?

All interest and charges will be frozen.

Fees are fixed at only 10% of the total debt included.

Payments are based on what you can afford to pay each month.

After 5 years there is the potential to clear all debts

The downsides to using an administration order?

You must have two debts, one being a court judgement, like a CCJ

The process is court driven and formal

Your credit rating will be affected for 6 years

This option is only available in England and Wales

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What is an
administration order?

Key facts of an
administration order?