Vincent Bond & Co - Award Winning Debt Management Company

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Steve Rees, MD, Vincent Bond & Co talks to SKY on 2013-02-01
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Steve Rees, MD, Vincent Bond & Co talks to BBC
Steve Rees, MD, Vincent Bond & Co talks to BBC

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Why Choose Vincent Bond?

We are 100% focused on customer service scoring an average of 95%.

Creditor harassment hotline.

Out of hours contact service for emergency questions.

No call centres, our clients have dedicated staff with direct dials.

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Vincent Bond
DMP
IVA
Bankruptcy
Other Options

We are passionate about helping people get out of debt

We pride ourselves on our excellent track record, see our client feedback. Our aim is to provide the highest level of personal service and advice in a friendly, professional and non-judgemental manner. We want to exceed expectations helping you get out of debt as quickly and stress free as possible.

Call us to have a chat with a friendly voice who will be able to explain your options or check out the tabs above about to find out more about the solutions we can help you with.

A DMP or Debt Management Plan is an informal agreement with your creditors to make reduced affordable monthly payments.
It is based on a realistic budget that allows you to pay all your priority bills and normal living expenses and pay what is left to your creditors.
Though not obliged to and not guaranteed, most creditors will agree to reduce or freeze interest so that the money you pay reduces your debt more quickly.

An IVA or Individual Voluntary Arrangement is a legally binding agreement with Creditors.
It allows someone who is in financial difficulty to make a formal proposal to settle their debts within a reasonable and fixed period of time - normally 5 years, though this can vary depending on your situation.
Monthly repayments are based on what you can afford to pay.
After the agreed payment period, any outstanding debt will be legally written off by your creditors.

Bankruptcy is normally seen as a last resort after all other options for repaying debt have been exhausted. If you are declared bankrupt,you will no longer have to repay your creditors yourself and the court will protect you from any further legal action from your creditors.
However there are consequences which may mean that an alternative solution should be considered, depending on your situation. It is important to understand how a Bankruptcy would effect you before proceeding.

There are other solutions to dealing with debt.

Debt Consolidation through remortgaging, secured loans or unsecured loans can work, HOWEVER this must be based on affordability once you have clearly established your budget.
Debt Relief Order (DRO) - For those who may be considering Bankruptcy but are unsure than afford the fees involved, you may qualify for a DRO which Vincent Bond can explain further to you.
DIY - You may also wish to manage an informal payment plan yourself, making reduced offers and negotiating with creditors instead of using a company to do it for you.

Steve Rees, Debt Consultant

• BHED (Hons) English Degree
• Teacher for 7 years
• 10 years experience as a debt advisor

Stev....

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Chris Feedback:

Thank you very much for your help. I am on my 3rd month now and everything is great. The procedure ....

Key information - Our service and our fees

Vincent Bond can advise you on all possible solutions to ensure you are able to make an informed choice. We are able to provide initial advice over the phone without charge, however, if a debt solution is taken out, please be aware that fees will be charged. For further information on fees, please see the ‘Fees Tab’ on each of the solution pages on this website.

For all solutions, stopping payments to your creditors may place you into further arrears and it is likely that your ability to get credit will be affected. For debt management plans we cannot guarantee a reduction in interest or charges and repaying your debt over a longer period of time can increase the total amount to be repaid. In compliance with the Consumer Credit Act you have a 14 day cooling off period in which to cancel your plan. Calls to our free phone number may be charged from mobiles and other networks.