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Take your first steps to debt freedom
with BacktoBlack...

STEP 1:  tell us about your debts...

Fill in your details, and take the next step...

OK, good. You’re well on your way
BacktoBlack. Now for the next step...

STEP 2:  your employment status...

  • EMPLOYED
  • SELF-EMPLOYED
  • UNEMPLOYED
  • PENSION
  • STATE
    BENEFIT
  • OTHER
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Nice! Now that wasn't so hard,
was it? Step 3 coming right up...

STEP 3:  you and your home...

  • OWN
  • RENT
  • ENGLAND
  • SCOTLAND
  • WALES
  • NORTHERN
    IRELAND
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We're almost there!
Step 4 is not so bad either...

STEP 4:  what is your credit rating...

  • EXCELLENT
  • GOOD
  • FAIR
  • POOR
  • VERY POOR
  • I DON'T
    KNOW
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How easy was that?! All we need to know
now is how we get in touch with you..

STEP 5:  how should we contact you...

MY NAME & SURNAME
MY PHONE NUMBER
MY PREFERRED TIME
MY EMAIL ADDRESS

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could be on your way to debt freedom...

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...we’ll be in touch soon to discuss
your options, and help get you on
your way to Debt Freedom.


Get in touch with us at BacktoBlack...
Hey there!

We welcome any comments or questions you may have
for us. Or, if you have something you’d like to ask,
well we’d also really be delighted to hear from you.
Just send us your details below and we’ll be in touch...


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If you’ve asked us something,
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Whether it’s unpaid council tax
or multiple credit cards, (or both
for that matter), unpaid debt

can become a living nightmare.

We get it. We’ve been there.

And it’s not fun. So if you’re struggling big time with problem debt,
we probably have a solution to your problems. From an IVA in
England, to the Scottish equivalent Trust Deed... read on and we
could help you on your way to Debt Freedom...


Phone calls about
your Debt

When you’ve missed payments to the companies you owe money to (your creditors), they’ll usually phone you as well as write to you.

If you’ve simply been busy and forgotten to make a payment, then a reminder call can be helpful. You pay it, catch up, and that’s that.

But if you’re getting regular calls from several creditors or if your account has defaulted, then it can feel really stressful.

It can feel like the phone never stops.




Why they call you

Like everything in life, talking can be a really good way to sort things out. Your creditor gets to listen to what’s going on for you and why you missed payments. They’re sympathetic and work out an affordable plan to put things right. To help do this, they may ask about your income and living costs so they can see how much you can afford.

That’s the best-case scenario, anyway. And it does happen quite a lot.

Worst case scenario is when a creditor wants to speak to you just because they want to push you into a plan you can’t afford. They may sound threatening, and exaggerate what they’ll do if you don’t dance to their tune. That’s not okay. Politely end the call and ask them to write or email instead!



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Or, take your first steps to debt freedom
with our online form

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How to handle
the call

Above all, keep a pen and paper by the phone so you can note down what’s said by them and you. And keep your head!! You could say things – or agree to things – which you later regret.

So, key things to remember when you’re talking:

  • Explain you can’t afford to pay what they want
  • Say what’s changed so that you’ve missed payments – or that you’ll write or email to tell them this if you don’t want to say it out loud
  • Say you want to sort things out (and you’ve even contacted us, or are about to)
  • You can end the call at any time by asking them to send a letter or email you instead

That’s worth repeating: you won’t get into trouble by politely ending the call, requesting they write to you or email instead.

You might be asked for a card payment (bank card or credit card) over the phone. If you can’t pay in full they may try to work out an agreement to pay by instalments. They can use your details to take future payments by Direct Debit or continuous payment authority. If you find you can’t afford these, you can cancel them at any time by contacting your bank.



Get BacktoBlack. Talk to us today

Or, take your first steps to debt freedom
with our online form

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How often should they call?

Once a week from one creditor is okay, but calling you often like once a day definitely isn’t. If they’re phoning you too much, you’re entitled to ask them to stop.

If you owe money to several sources, then you might be getting loads of calls. Once a day from 10 or 20 creditors feels like a nightmare.

So what happens when someone else in your home picks up the phone? The creditor can ask to speak to you but nothing else until they’re speaking to you. It’s different if your debt is in joint names and they talk to the other person in the agreement.

However, if you choose it, you can give permission for your creditors to speak to someone else like another person in your family, a support worker, or someone like us. It can help to take the pressure off you.



Get BacktoBlack. Talk to us today

Or, take your first steps to debt freedom
with our online form

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How to stop
the calls

Feeling stressed by the calls? You’re entitled to ask your creditors to stop phoning you and remove your number from their records. You can do this when they call, or write to them, quoting your account number. Say that all future communication should be written only. Say that if they continue to call, you will contact the Financial Ombudsman Service to make a formal complaint. Ask the creditor to confirm this in writing.

Has your phone got one of those fancy caller displays? Use it to filter your calls. Or ask your phone service provider to block their calls, though this may not work if they always call from different numbers. And, you can also block callers on a smartphone too.



Get BacktoBlack. Talk to us today

Or, take your first steps to debt freedom
with our online form

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How we can help

We can help stop all these pressurising calls!

Tell your creditors you’re asking us about a debt solution. They should give you 30 days’ breathing space to sort it all out.

Once we’ve agreed a plan, we’ll then liaise with your creditors and take your pain away…



Get BacktoBlack. Talk to us today

Or, take your first steps to debt freedom
with our online form

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All the gobbledegook explained (we hope!)

Not sure what’s what?

Don’t worry, we know how you feel.
All these fancy debt words are hard to keep
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put together a BacktoBlack Debtionary to help
explain the jargon! That way you’ll be up to speed
in no time at all, and ready for that pub quiz.

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Is your
personal debt bubble
about to burst?

LET US HELP YOU
BEFORE IT DOES

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0141 478 0862

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