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Debt Planning Tools

Get in touch with our dedicated team today to discuss your circumstances.

We aim to set our Monthly Management Fees (MMF) for a Debt Management Plan on the amount of work our help will usually take. We think this is the fairest way. This means if you have one or two debts, your fee will be less than if you have over 10.

This is also why our fees are slightly higher during the first 6 months of a Plan because the amount of work needed is much higher.

Or
The digital plan
First 6 Months

50% up to £100

Month +

£38/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 6 Months

50% up to £100

Month +

£41.50/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 12 Months

50% up to £100

Month +

£46.50/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 6 Months

50% up to £100

Month +

£58/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 6 Months

50% up to £100

Month +

£68/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 6 Months

50% up to £100

Month +

£78/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
Get Started
The non-digital plan
First 6 Months

50% up to £100

Month +

£39/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£42.50/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£47.50/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£59/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£69/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£79/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
Get Started
First 6 Months

50% up to £100

Month +

£38/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 6 Months

50% up to £100

Month +

£41.50/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 12 Months

50% up to £100

Month +

£46.50/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 6 Months

50% up to £100

Month +

£58/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 6 Months

50% up to £100

Month +

£68/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
First 6 Months

50% up to £100

Month +

£78/mo

  • Manage your own account online
  • Complete reviews online
  • Receive all statements via email
  • Payments via Direct Debit
Get Started
First 6 Months

50% up to £100

Month +

£39/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£42.50/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£47.50/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£59/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£69/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
First 6 Months

50% up to £100

Month +

£79/mo

  • Telephone based reviews
  • Receive all statements via post
  • Ability to make payments via direct debit
  • Ability to make payments via standing order or debit card
Get Started

All fees are subject to a cap of 50% of your payments. All fees will be clearly explained prior to moving ahead with any solution.

We will never charge fees of more than 50% of your monthly payment, or £100 in fees in any one month, during your first 6 months. This means that your creditors will always receive a significant payment, in line with FCA Rules & Guidance.

Additional Services

If at any stage you have a lump sum and want us to negotiate with your creditors to see if we can get a discount for a lump sum payment… we can. This is known as a settlement.

For this optional service, we charge a minimum of £70.00 or 20% of the money we save you, whichever is greater, meaning you get the best discounts and we only get paid if you get savings. If you do look at this, we can discuss the process and options in full.

Example fee:

If you have £10,000 of debt, and we save you £2,000 by successfully negotiating settlements with your creditors, we will charge 20% of the £2,000 savings as a fee. This means you will pay £8,000 to close your debts with your creditors, and your fee for this service will be £400.00. The total amount payable would be £8,400.

This service is only available to existing customers who have made at least 1 monthly Debt Management Payment.

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Money Helper has replaced the Money Advice Service and brings together the support and services of three government-backed financial guidance providers: the Money Advice Service, the Pensions Advisory Service and Pension Wise.