How It Works

Being in debt can be daunting and in a lot of cases, very scary. Use of the CreditCommander portal uncomplicates the process of getting out of debt with a few simple, straight forward steps.

Simply complete our short fact find form above to see if you qualify in principle for debt help, if you do, we will then refer you to a courteous and professional debt advisor who will assess your situation in full and advise as to which product you are best suited to… this could be a Debt Management plan, an Individual Voluntary Arrangement (IVA) or a Trust Deed (if you live in Scotland).

Your debt advisor will then also assign you with your own personal account manager who will be on hand to answer any questions or queries that you may have, at any time, throughout the lifetime of your plan.

If you have any questions that you would like answered now, please click on the chat box below or use the form found on the “Contact Us” page.

We are looking forward to really helping you.

The CreditCommander Team

Frequently Asked Questions

Q. If I'm already in a debt plan, can you still help?

If you are unhappy with your current debt plan provider, you are more than welcome to use the CreditCommander portal. Our partners will assess your situation and if appropriate, move you from your existing plan to theirs.

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

The qualified debt manager that we refer you to, under FCA guidelines, will have to give you best advice and as part of this advice, will advise as to how long it will take for your debts to be repaid. The good news is that your debt manager may also be able to get any interest and charges on your accounts frozen.

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

Absolutely! Our debt management partners inform us that around 85% of people that use the CreditCommander portal list at least 1 Payday loan as part of their debts. Payday Loans are not a problem.

Q. Do I still have to pay all of my creditors?

As soon as the licenced debt manager that we refer you to accepts you as a client, they will advise you if you need to pay any of your creditors yourself. Normally (depending on the types of debt) you will simply make one re-payment each month that will then be distributed amongst your creditors.

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

Absolutely not! Your debt manager’s aim is to make your life easier and less stressful. So regardless as to how many people you owe money to, the majority of people simply make one single, affordable payment into their plan, your debt manager will then ensure that your repayment is distributed accordingly.

Q. Some people I owe money to are hassling me. Can a licenced debt manager stop them?

Once your debt manager accepts you as a client, you are no longer alone when it comes to dealing with your debts. Your debt manager will handle 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 them.

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

Of course! Once you are accepted by the licenced debt manager that we refer you to, 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 make the advisor that we refer you to aware that you would like to set up a joint plan when you speak with them.

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 contact the debt advisor that we refer you to, to do this.

Q. Do you offer loans?

No. Our main purpose is to get people out of debt. We put customers in touch with reputable debt solution providers whose products include Debt Management Plans, IVAs, Trust Deeds and Bankruptcies.

Q. How will the CreditCommander portal help me?

It’s really easy and very straight forward. Once you have submitted an initial enquiry via our simple fact find form, you will then receive a call from a skilled debt advisor. During this call you will be asked a series of questions which will be used to determine what product would be most suitable for your needs. Once the advisor we refer you to has established the best way to proceed, and providing that you are in agreement, they will then manage all aspects of your debt including creditor contact and repayment of your debts.

CreditCommander may receive a commission if you are successful in obtaining some form of debt help via one of our approved debt manager partners.

Who are CreditCommander?

Formed by a skilled team of experienced debt help professionals, CreditCommander is one of the most popular, longest established and highest rated (on debt help portals in the UK. Working in association with reputable, FCA authorized debt managers, CreditCommander has helped many thousands of people to effectively tackle personal debt and most importantly, alleviate the stress and burden that is associated with it.

If you are struggling to manage your monthly credit commitments, dread opening the post and/or avoid answering the phone, then we can help. To find out if you qualify for help in principle, simply complete our short fact find form now.

Remember that you are not alone in feeling how you feel, or being in the situation that you are in, the most important point is that you do something about it. We look forward to helping you.

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

© 2014 All rights reserved. is a trading name of iDebtPlan Limited. Registered in the UK, number 6373576. Registered with the Information Commissioners Office Number Z1238617. Registered Office Address: Third Floor, Mansion House, Wellington Road South, Stockport, SK1 3UA.

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