Mrs Fenton, Warringon: "I contacted Kensington due to my financial difficulties and they were very helpful and took all the stress and worry away. I pay them one payment each month to cover all my debts. I get no more letters or phone calls."

Mr Murphy, Manchester: "I called Kensington when I was in desperate need of help and when I thought I had nowhere else to turn I had a friendly voice on the other end of the phone helping me.

You have helped me get through one of the worst periods of my life, and I cannot thank you enough for that. I would truly recommend ANYONE to pick up the phone like I did when my world was tumbling around me."

Miss Miah, Birmingham: "I would like to thank Kensington for all of the help and support offered over the past few years without which I would have been unable to buy my house or get back on my feet.

You have managed my debts in a professional manner and have always given me all of the relevant information, with no hidden agendas or charges. Once again thank you."

With an IVA you could...

• Be debt-free in just 5 years
• Write off up to 75% of your debt
• Keep your house and other assets

Fill in your details now to receive free, no-obligation debt advice from one of our friendly expert advisors, and see if you qualify for an IVA.

If you don't qualify for an IVA..

There are still several options available if you don't qualify for an IVA, including:

• Debt management
• Debt consolidation
• Bankruptcy

Read more on our debt help solutions.

Don't wait for disaster! Take a positive step today: get a free call back from our friendly debt experts.

If you'd rather call us, then you can call our free helpline on 0800 096 4409.