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IVA

An IVA, which is short for Individual Voluntary Arrangement, is an arrangement between you and your creditors to pay off all or some of your debt owed to your creditors. This is a legally binding agreement that you arrange with an insolvency practitioner to make regular payments to your creditors. They will then divide your regular payments up between your creditors

DMP

DMP, short for Debt Management Plan, is available for individuals to consolidate their debts into manageable monthly payments. These payments help reduce the amount owed when you are unable to meet the initial amounts owed. The main difference between and IVA and a DMP is that on a DMP agreement, debts can't exceed £6000

Bankruptcy

Bankruptcy is the least recommended form of debt help. Bankruptcy is a form of insolvency that writes off all of your unsecured debt. Once your debt is written off, there can be serious implications to your credit file and and your bankruptcy is logged on a public record. When considering help with your debt,a bankruptcy decision should only be considered as a last resort

DRO

DRO, which is short for Debt Relief Order, is probably the least known version of debt help on the market. DRO is a way to help you freeze your debts and help remove the debts if your circumstances have not changed during the frozen period. The frozen period on a DRO is usually around the 12 month mark. DRO's are there for those on low income and have low assets and lower debts

Are there debts that cannot be considered?

There are a number of debts that cannot be considered when looking into debt relief, these include Mortgages, hire purchase agreements, debts incurred through fraud, court fines, TV license arrears, student loans, child support arrears and social fund loans.

How can we help you?

We can help you to potentially write off up to 90% of your debt. With Super Money Saver we can assist with free and confidential advice, freezing your interest and charges, arrange an affordable single monthly payment, stop creditor and bailiff contact.

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The small, but important text

We’ve made some big claims above. And we want to show you where these numbers come from. Yes, it’s always important to check your deals, but we feel it’s even more important for us to be open and honest.

*The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances. here’s the ABI industry data reports.

** Yes, absolutely true. You could save £300 on your annual energy bills. According to ofgem’s latest research; They found that most of us (more than 50%) are still stuck on expensive energy tariffs and that just by comparing and switching, you could save £300 on your annual energy bills. Here’s the ofgem research in all it’s PDF glory, and horror.

*** 50% of customers who purchased Pet Insurance through this service provided by Seopa were quoted less than £45 (Apr ’18 Sales). Great news for our little fur balls.

† 50% of customers who purchased Home Building & Contents Insurance through this service provided by Seopa were quoted less than £150 (Mar – Apr ’18 Sales).
We know you didn’t even ask for this but did you know that 50% of customers who purchased Contents Only Insurance through this service were quoted less than £75 (Mar – Apr ’18 Sales). Give it a go and see if you could save!

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