We help thousands of people clear their debts online every month

To see if you qualify, simply complete the form below

How many debts do you have?

How much debt do you have (approx)?

What Can You Afford to Repay Each Month Towards Your Debts?

Your email address

How It Works

It really is very, very simple!

Let's suppose Mr Smith has debts of £8000! And let's say he earns £1000 per month.

Mr Smith has to spend £800 per month towards his essential living costs (such as rent/mortgage, food, child care etc).

Mr Smith then has a Payday Loan, a credit card and various other bills, which cost £400 per month.

His monthly outgoings are £1200 per month!!

Mr Smith is being asked to pay £200 per month more than he can afford!!!

He is being constantly harassed, threatened and chased by the people that he owes money to - Hassle that he can do without!!

Mr Smith needs CreditCommander... CreditCommander know that Mr Smith can only afford to repay £200 per month towards his debts (half the amount that he is currently being asked to pay). CreditCommander then approach the people that Mr Smith owes money to, and explain his current situation.

CreditCommander request that all interest and charges are frozen on his debts, but perhaps more importantly, explain that Mr Smith is only able to repay £200 per month (opposed to the current £400).

Mr Smith now pays £200 per month towards his debt, which is managed by CreditCommander.

In addition to this, CreditCommander contact Mr Smith's creditors and insist that ALL future contact (including telephone calls, letters, SMS and email), are to be directed them (not to Mr Smith).

Mr Smith is able to get his life back on track...

CreditCommander on average help over 300 people just like Mr Smith everyday, and we can help you too..

Frequently Asked Questions

Q. If I'm already in a debt plan, can I change to CreditCommander?

If you are unhappy with your current debt plan provider, you are more than welcome to switch to CreditCommander. The good news is that because we do not charge any upfront fees, your payments to creditors will continue...uninterrupted. We really do pride ourselves on providing the best service in the industry. To transfer your plan, simply complete our standard application form.

Q. How long will it take to clear my debt?

Our goal is to always get you out of debt as quickly as possible. The actual speed in which your debt is repaid depends on how much you owe and how much you can afford to repay. Once we have requested final figures from your creditors, we will be able to provide you with a more accurate timescale.

Q. I have a number of Payday Loans, can you deal with this type of debt?

Absolutely! Around 85% of our clients list at least 1 Payday loan provider within their plan. Payday Loans are not a problem.

Q. Do I pay you and my list of creditors?

NO! As soon as you sign up with CreditCommander, you can stop making any further payments to the creditors that you include as part of your plan...IMMEDIATELY. Think of CreditCommander / Harrington Brooks as being the central point for the repayment of your debts, and relax in the knowledge that we will deal with your creditors for you.

Q. I owe money to several places. Is this a problem?

Signing up to CreditCommander is all about making life easier and less stressful. So regardless as to how many people you owe money to, simply make one single, affordable payment to us, and we will manage your debts on your behalf, on time, every month!

Q. Some people I owe money to are hassling me. Can you stop them?

Becoming a client of CreditCommander means you are no longer alone when dealing with your debts. We deal with and manage every aspect of your personal debt, including trying to reduce the communication with your creditors and/or debt collectors. Simply refer any phone calls, letters, SMS and email correspondence to your personal account manager.

Q. Can I speak to someone about my debt problems?

Of course! Once you sign up with CreditCommander, you will be allocated with a friendly, personal account manager who will be happy to discuss your problems - and the solution - on a one-to-one basis, all done over the phone or however you would prefer to communicate.

Q. Can I do a Joint application?

Yes, absolutely. To do this simply complete our standard application form and include all of the debts that you want to cover in the plan and return your jointly signed pack including the letter of authority to us.

Q. Can I add a debt at a later date?

Yes. If you forget to add one of your debts, don't worry, you can add more on at any time. Simply pick up the phone or email us with the details of your additional debt (s).

Q. Do you offer loans?

No. Our main purpose is to get people out of debt. We offer debt solution products such as Debt Management Plans, IVAs, Trust Deeds and Bankruptcies.

Q. What about my credit rating?

Your credit rating will be affected in the short term, and possibly longer.

However, if you are having financial problems it is likely that your credit rating will already have been adversely affected. It is more beneficial to be proactive and deal with the issue now, rather than allow it to escalate.

Entering into a plan means contractual payments will be missed and your debt and repayment term could increase. Your credit rating will be impaired and it may be harder to obtain credit in the medium to long term as records are retained by credit reference agencies for six years.

Why Choose CreditCommander?

Upfront Fees - We Don't Charge Them!

You may not be aware of this, but the majority of debt management companies in the UK charge upfront fees! These fee's can vary, but they typically range anywhere from £180 to £495. CreditCommander do not charge any unfront fees however a standard monthly management fee of £38 applies.

Why We Don't Charge Any Upfront Fees?

The reason that we do not charge upfront fees, quite simply, is because we do not have to! We do not employ a legion of sales people to sell our service, which reduces our costs, which in turn allows us to pass our saving back to you, in the form of not charging any upfront fees.

Fees Information

For more information on the fees we do charge, please visit the Key Features & Fees page.

About Us

CreditCommander is a NEW and INNOVATIVE way of managing and ultimately alleviating personal debt, without the need for further borrowing.

Because of the unique way in which we work, CreditCommander IS ONE OF THE CHEAPEST debt plan provider to setup as there are NO upfront fees, of all other debt management companies in the UK today (standard monthly management fee of £38 applies).

Our goal is to enable people to pay back their debts with one affordable weekly/monthly payment. We negotiate and liaise direct with the people that you owe money to, and aim to freeze interest and any further charges...and of course stop them from hassling you.

CreditCommander is the brain child of a skilled and passionate team who have over 20 years combined experience in helping clients deal with their finances, when they spiral out of control.

So what are you waiting for? Complete the simple form above and become one of the thousands of customers who we are helping to resolve their financial difficulties. CreditCommander is proud to be based in the UK and is authorised and regulated by the Financial Conduct Authority.

Key Features & Fees

Unlike the majority of debt companies WE DO NOT CHARGE ANY UPFRONT FEES. Our service Has NO UPFRONT FEES.

Like the majority of debt companies, we do charge an on-going (monthly) management fee of a flat £38

This is INCLUSIVE of your payment and is NOT extra. e.g. If you can afford to repay £150 towards your debts, £38 is retained as a fee and £112 is distributed towards your debts.

What does my fee cover

We deal with all aspects of managing your debt (including):-
  1. Dealing with all forms of creditor communication (letters, emails, phone calls, text messages).
  2. Ensuring that all creditor communication is directed towards us (stopping you from being hassled).
  3. Ensuring that payments are made promptly to your creditors.
  4. Agree a monthly payment with your creditors based on what you can afford.
  5. Negotiate with your creditors with the intention of having all interest and charges frozen.
  6. On-going personal financial health check to see if we can save you money in other ways.
  7. Dedicated account manager (on hand via phone or email whenever you need assistance).

Important Considerations

While a financial management plan has many benefits, you should take into account the following points.

Credit rating

Entering into a plan means contractual payments will be missed and your debt and repayment term could increase. Your credit rating will be impaired and it may be harder to obtain credit in the medium to long term as records are retained by credit reference agencies for six years. However, repaying your debt via an FMP is more favourable to your credit rating than continuing to miss payments.

Not all debts can be included

See debts we can help with for more details of what can and cannot be included in a plan.

Your responsibilities

It is your responsibility to continue to make payments to creditors that are not/cannot be included in your plan. Failure to pay any taxes, fines, child support payments and other certain debts could result in a loss of access to essential goods or services or repossession of, or eviction from, your home. If the arrangement fails and you do not make alternative arrangements to pay your creditors, there is a risk of bankruptcy.


Any advice we give is free of charge, up to the point a solution is agreed upon and provided, where the fees listed above are charged for providing Financial Management Plans.

The Money Advice Service is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services. visit https://www.moneyadviceservice.org.uk/

Contact Us

In order for one of our team to respond to your enquiry quickly (and if you would like to be contacted by phone), please ensure that you provide a valid phone number. Alternatively, we can also respond to your query by email if you would prefer.

Get in touch

©creditcommander.co.uk 2014 All rights reserved. creditcommander.co.uk is a trading name of iDebtPlan Limited. Registered in the UK, number 6373576. Registered with the Information Commissioners Office Number Z1238617. Registered Office Address: Jackson House, Sibson Road, Sale, M33 7RR. Authorised and regulated by the Financial Conduct Authority.

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