About the Candis Debt Helpline

Candis Club is delighted to offer a debt management helpline service to all members.

Whatever your situation, if you feel that your debts may be spiralling out of control or you would just like some confidential advice call the helpline number and a qualified, independent adviser will be happy to help.

Many people fall into debt at some point in their lives. Sometimes all it takes is a small change in circumstances to tip the balance and turn a manageable situation into a debt problem.

At Candis we are used to helping members who are struggling to cope with the stress and worry of life's challenges. Through our partners at The UK Insolvency Helpline we can provide you with non-judgemental and confidential advice to help clear your debts.

Whether it's £1,000 or £100,000, debt is always about your ability to repay. You may think that there is another way out, but it's unlikely you'll find one without making a full disclosure of your financial situation to someone who can help.

Get it out in the open early and you'll probably find it's perfectly manageable. But delay at your peril. Being in debt can start with where you should be tightening your belt and continues down an incline ranging from re-mortgaging to Debt Management Plans and Individual Voluntary Arrangements to bankruptcy. People in debt often have simply left it too late.

With The Candis Debt Helpline you get:

Advice on dealing with multiple debts
An assigned case officer to call for advice throughout the repayment programme
Supported self-help if you prefer

This Candis Club benefit is operated by The UK Insolvency Helpline. The service is funded by firms within the credit and Insolvency industry.

According to The UK Insolvency Helpline, 75 per cent of the people who call them are able to better manage their debt through simple budgeting. This form of 'income optimisation' focuses on trimming the excess expenditure from your monthly budget in a way that doesn't leave you gasping for breath. After detailing a precise monthly budget planner, an advisor will focus on helping make the necessary savings to reduce the amount of disposable income spent on servicing debts.

In our experience most people's debt problems are caused by circumstances beyond their control and usually through no fault of their own. Breakdown in relationships, an unexpected cut in pay or a series of unforeseen expenses can create financial turmoil. The consequences of being in debt may be far reaching, causing added pressures, which will have long term effects on your health, career and family.

Whatever the problem, nothing is too large or too small, we can assist with practical advice and information, negotiating with creditors, budgeting, court action as well as all matters relating to insolvency and bankruptcy.

Call our FREEPHONE Helpline (0800 00 86 104)

A call to our helpline or a visit to our website is the first step towards solving a debt problem.

Many of our clients tell us of the relief they feel when they speak to one of our trained advisors. Having not known where to turn, our non-judgmental advice is careful, practical and realistic. Every debt problem is different, although there may be similarities such as redundancy, illness or marriage break ups, but each case is individual to those involved. The initial assessment of a case is crucial to offering the right advice. We pride ourselves on getting to know our clients and helping with the solution that suits them best.

Our Staff

The UK Insolvency Helpline's staff are the backbone of our organisation and each client is provided with a dedicated case officer, who will provide non-judgmental support and practical help. We have built a reputation as a caring and efficient service and are proud of the fact that we are able to help people manage their debts and get on with their lives.

Our staff receive on-going training on money management advice, which can prove invaluable and ensures that relevant help is given at an early stage which can often halt the escalation of debt.

As one of the largest providers of information in the country, The UK Insolvency Helpline have the experience to put forward proposals that are accepted by the credit industry. An approval of an arrangement means our clients avoid the fear of home repossession, disciplinary action at work and the stigma of bankruptcy.

FOR CONFIDENTIAL DEBT ADVICE CALL NOW ON FREEPHONE 0800 00 86 104
Lines open 24 hours, 7 days a week (including bank holidays)