Graham from Rotherham had a debt management plan with Chiltern. Graham said this about the free debt advice he received: “From my own personal experience as a Chiltern debt management customer, I cannot suggest any area of service that needs improving. I would recommend Chiltern and could happily tell anyone about the great service and debt advice I received, and how easy my debt management plan was all put in to place, taking the worry and stress off myself.”

Graham started work straight from school. He had never had trouble finding work, so when he was made redundant he thought he’d quickly find re-employment. The redundancy money he received when he left his job helped him through the first few weeks, but very quickly he reached the limit on his overdraft. So he could keep his car on the road and get to job interviews, he then started to use his credit cards. Months went by without any sign of work and a debt of £13,000 had steadily built up. Graham was in need of some debt advice and responded to our advert in a national newspaper. He called for some free debt advice as he was struggling to keep up with all of the repayments on his credit cards, overdraft and personal loans. Following our initial debt advice, we quickly helped his situation recover by setting up a debt management plan. The debt management arrangement helped him to budget more efficiently and prioritise his debts. By negotiating with his creditors, we managed to reduce the amount he was repaying each month from £815 to £460. This meant the pressure was taken off and he could regain control of his finances again. Graham managed to secure a new role and was able to increase the amount he could repay to his debt management plan each month. This meant he managed to shave two years off the time it would have taken him to repay them. Graham has since completed his debt management plan. Following our debt advice, Graham is now debt free.