Avoid a Universal Credit loan and write off up to 81% of problem debt

Subject to terms and conditions

What bailiff action have you received?

Phone calls and letters

They came to my door

They threatened to come to my property

They threatened to change my locks

Pending court action

Our 3 Step Process

01. Get Started

Answer a few quick questions to check if you qualify to write off debt

02. Speak to an expert

Chat to a debt expert for your personalised plan

03. Relax

Leave the rest to us and get back to enjoying life without money worries

Benefits of a debt solution to your life

Financial benefits of a debt solution

What our customers are saying.

We care about giving you fantastic service, so your feedback is vital to them.

How it works…here’s an example!

See how an IVA could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.

Example of unsecured debts.

Bank Loans


Short Term Loans


Phone Bills


Credit Cards


Store Cards


Payday Loan




Total amount owed:


Customer monthly repayments

Reduced by 80%

Monthly payments are based on individual financial circumstances

The advisers were very knowledgeable and very helpful.

Shavaughne Bernhardt

To find out more about managing your money and getting free advice, visit Money Advice Service, independent service set up to help people manage their money.

About UK Debt Expert

UK Debt Expert is a debt advice company based in the UK. It is a trading style of Argyle Financial Services.

Company Information

Address – 239 St Vincent Street, Glasgow, G2 5QY
Data Protection Number – ZA777516 Company Number – SC314410


Katy Walker is a licensed Insolvency Practitioner (IP – Registered with the Insolvency Practitioners Association – IP Number (9527)


Typically you can expect to write off between 30% and 75%, however this will differ based on individual circumstances. 81% write off has been achieved in 10% of cases*

This website is used for marketing purposes and is in no way related or approved by the Government.
However, the product (IVA) which we administer and process with our in house Insolvency practitioner is covered under the following legislation: The Insolvency Act of 1986 (amended by the Insolvency Act 2000 and the Enterprise Act 2002) introduced a new procedure whereby a debtor could come to an arrangement with his/her creditors to pay his/her debts in full or in part over time as an alternative to bankruptcy.
Your debt help application will be processed by one of our expert debt advisors working on a model of none advice. These advisors will be able to go through all your debt options including IVA (Individual Voluntary Arrangement) opportunities which are available for people living in England, Wales and Northern Ireland. Help can only be offered following an initial fact-finding process. If an individual meets the required criteria for an IVA, advice can then be provided. If the individual does not meet the criteria for an IVA, details will be provided for other third-party organisations that offer advice on other available debt solutions.