Frequent Asked Questions

How can you help me?

If you are finding it hard to manage your debts then we have various sources we can offer you. These include our Debt Management/Debt Consolidation Programme and our Loans/Refinancing/Mortgages/Remortgages services.

How does your Debt Management Programme work?

We will act as a buffer between you and your creditors. This basically means that we contact your creditors to negotiate reducing your monthly repayments, stopping interest and charges, and reduce the total amount of debt owed.

How will my repayments change?

We negotiate with your creditors to work out a repayment plan that suits your pocket. Once we have assessed your situation we can make sure we reduce your monthly payment, with the full agreement of your creditors.

What kinds of loans and mortgages can you arrange?

We can offer loans/refinancing/mortgages/remortgages to raise some capital on your property, to repay your debts. (Subject to valuation). We can also very often help you remortgage with a far lower interest rate, with many of our lenders. (Even if you have a poor credit history and CCJs).

I have a mortgage and a second charge and a poor credit rating and CCJs – can you help me?

Yes we help many people by remortgaging, by combining their mortgage and remortgage at a more sensible interest rate.

What kind of debts can you help with?

We can help with most kinds of debts including credit cards, store cards, bank overdrafts, bank loans, business loans, student loans and personal loans.

Can you only help people in the Wales area?

No. We do have a strong track record within Wales, but with offices in Nottingham and Loan we can help anyone in the UK.

Do you offer IVAs

We find that we are able to offer far better solutions to 98% of our customers than an IVA, (Individual Voluntary Arrangement)

Do I have to tell my creditors that I am joining your Debt Management Programme?

No. We’ll do all that for you so you need never be bothered by a creditor again! We act as a buffer between you and your creditors so everyone stays happy.

What if my creditors keep calling me?

Once we start acting for you on the debt management programme, it normally takes 4-5 weeks for the creditors to stop contacting you. Simply tell them that you have appointed DCM Money solutions and ask them to contact us instead.

Mrs DE of Cardiff had debts of £63,000 and were paying £1,700 per month to her creditors. We put her onto our Debt Management and with the agreement of her creditors she now only pays £410 per month

Mr and Mrs H of Gloucester had debts of £18,000 and were paying £486 per month to their creditors. We put them onto our Debt Management and they are now paying £130 per month.

Mrs CG of Swansea had debts of £22,000 and was paying £570 per months to
her creditors. We put her onto our Debt Management and she is now paying £220 per month. She also had a mortgage of £47,000 costing £471 per month
and a £11,000 second charge
mortgage of which were costing her £178 per month.
Even though she had poor credit history and a CCJ we were able to remortgage her, saving her £156 per month.

Find out what our clients have said!