If you have a significant debt problem, you may be eligible to begin this legal process.


Debt Management

We'll come up with a debt management solution based on your individual circumstances.


Debt Consolidation

Our experts can guide you through the range of debt consolidation options available.


Full & Final Settlement

A Full and Final Settlement Offer is an offer of partial repayment to your creditors.



A Debt Management Plan, IVA or Debt Consolidation should be considered first.


Trust Deeds

A Trust Deed can lead to a significant proportion of your debt being written off.



Fees & Key Info

Read More about the fees involved with each of the solutions we provide.


Kensington Financial Management Consultants

At Kensington Financial Management Consultants, we know how to make financial sense out of a financial mess. Debt consolidation and debt management solutions can help lift the fear, anxiety and stress of debt.

Realising you owe a lot of money to various lenders can be extremely frightening. It's tempting to stick your head in the sand and ignore a debt problem rather than face it head-on, but the longer you put off sorting out your finances, the deeper in debt you sink.

Debt Solutions We Offer

Debt Management Plan
  • We will deal with your creditors, debt-collectors and bailiffs on your behalf
  • All your credit card, loan repayments and other debts are reduced to one monthly payment
  • We can often arrange to freeze interest and/or other charges
Debt Consolidation
  • Allows you to consolidate your debts into a single affordable monthly payment
  • Pay one lower monthly payment
  • No affect on your credit rating
  • Is a legal process allowing some debt to be written off
  • Your debts must exceed £5,600 and you must have a regular income
  • Available for homeowners and non-homeowner
  • Arranged by a licensed Insolvency Practitioner
  • You may have to remortgage your house
  • After the agreed period (3-5 years) your debts are wiped clean (though your credit rating may be affected for longer)

Don't wait for disaster: take a positive step and call our friendly debt experts on 0800 096 4409.

Additional help and advice

Consumers in England and Wales may also wish to consult the Insolvency Service's debtor guide - In debt? Dealing with your creditors...

Fees & key info - Read More about the fees involved with each of the solutions we provide..

Free debt counselling and advice is also available from the Money Advice Service
available at: https://www.moneyadviceservice.org.uk