Our Services
Debt Management   - If you have relatively low debts but struggle to meet your repayments.
Debt Consolidation   - Our team can explain the debt consolidation choices available to you.
Debt Advice   - We offer confidential debt advice and help on all debt solutions.
IVA Advice   - An alternative to Bankruptcy if you have a significant amount of debt.
Trust Deed   - Available to those living in Scotland.
Bankruptcy   - Considered only if all other debt management & IVA options are exhausted.
PayDay Loans   - Short-term loans until payday.



Debt management - Struggling to keep afloat?


Debt management means that Been Refused Finance will manage your debts for you. When you speak with one of our advisors you list who you owe money to and how much. You tell us the amount you can afford to pay each month and we negotiate with your lenders to come to an arrangement that is affordable to you. You pay us one sum every month and we make all the payments on your behalf.


Debt managament - Who is it for?


A debt management plan may be the right choice for you if you have moderately small debts but unable to meet your monthly outgoings. If you answer yes to any of the following Been Refused Finance can help:














Yes No

I Accept