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Who We Are
DebtWizard
Welcome to the official website of the Debtwizard®, Mike Thomas. Debtwizard.com has clients in more than 80% of the nation's Police Forces as well as in the Prison, Fire and Rescue, and Ambulance Services, M.o.D, and in other public service departments. Mike has regularly featured on TalkSPORT, LBC, SunTalk and BBC radio, as well as BBC television news, ITV, Channel 5 and SKY on debt related issues. Many not only regard him as the authority on police debt but also UK's leading expert.
Headed by Mike, Debtwizard® is one of the UK's leading debt counselling organisations, offering practical solutions and impartial advice on reducing debt.
Through our support teams we offer support and advice on unmanageable bills, debt problems, mortgage arrears or home repossession, bankruptcy and Individual Voluntary Arrangements, IVAs, Trust Deeds, Protected Trust Deeds, Sequestration and debt management plans in England, Wales, Northern Ireland or Scotland. Debtwizard.com can help you take control.
You can telephone us in the strictest of confidence: 0845 225 0025 or complete the on-line rapid response form.
So why are we special?
Because at debtwizard.com we do not accept advertising or sponsorship that way we are truly independent and can provide a totally professional and unbiased debt advice service. We cannot be pressurised or influenced on the advice we give. Simply put, no advertisers, no sponsors and no hidden agenda.
Mike Thomas (the guy behind it all)
Mike Thomas has become well known as ‘The DebtWizard’, over the past 15 years helping many individuals to overcome their debt problems, he is the founder and head of debtwizard.com
Mike's career began in the Metropolitan Police, but after 17 years of exemplary conduct he was forced to leave through injury. It was then he became a debt counsellor, interviewing individuals and couples, assessing their debt problems and developing his expertise in this difficult and often emotive field.
He now specialises in unsecured personal debt which includes credit cards, loans, overdrafts, store cards, as well as mortgage shortfall debt following house repossession and is regarded as an expert in the debt management industry. He and his team are always striving to find the right solution to resolve an individual's financial difficulties.
Highly knowledgeable and able to offer advice on interest rate decisions, house repossession figures, insolvency figures as well as debt and consumer related issues such as bankruptcy, Individual Voluntary Arrangements (IVA’s) debt consolidation loans, debt management and reclaiming bank charges, he has also trained to further develop his personal counselling skills to help people with the psychological impact of coping with debt.
Mike has extensive press media experience. He writes for a number of publications including the Metropolitan Life magazine (for police personnel) and has regularly featured on TalkSPORT and BBC radio, as well as Channel 5 and SKY on debt related issues.
He has broadcast live on television on BBC1, News 24, BBC London and appeared on ITV's Repossession Repossession Repossession' documentary about debt, helping two of the participants and acting as an adviser to the programme. In print and on air Mike can deal with debt related issues, responding to readers' letters or callers' telephone enquiries to advise the best solution on their individual problem.
Debtwizard support team & website content
Debtwizard support team
The advice the Debtwizard support team will give you is free and without obligation. Your call will not go to a call-centre, but instead to a specially selected group of firms that have been chosen by Mike.
These firms have to be professional, dedicated, passionate about resolving your issues and highly knowledgeable as well as experienced in the industry. They will not be under pressure to hit targets.
These firms will explain your options and will have excellent literature to send you detailing how they work and confirmation of what each option entails.
Mike is often with his support team and also speaks with them on a daily basis.
If you are offered a Debt Management Plan, (DMP) or an Individual Voluntary Arrangement (IVA) then please remember that you will be under no obligation whatsoever to proceed with them.
The firms that have been selected to support debtwizard are;
BrightOak
Philip Gill & Co
Our support teams offer help and advice on unmanageable bills, debt problems, mortgage arrears or home repossession, bankruptcy and Individual Voluntary Arrangements, IVAs, Trust Deeds, Protected Trust Deeds, Sequestration and debt management plans in England, Wales, Northern Ireland or Scotland. Debtwizard.com can help you take control.
You can telephone us in the strictest of confidence: 0845 225 0025 or complete the on-line rapid response form.
Website content
Some of you may have noticed that I have begun to include some consumer related articles from "Moneywise" in the news section of the DebtWizard website.
This is as a result of arrangements I have made with Moneywise for them to provide relevant material in future (whilst still maintaining my own editorial authority).
Subsequently, this will allow me to concentrate on the newly launched DebtWizard forum and spend more time posting information which will directly benefit consumers with debt related problems.
The reason I have been attracted to Moneywise as a partner is simple. As Britain's best selling personal finance magazine, Moneywise are dedicated to presenting financial information in an accessible, jargon-free manner and providing the tips and advice that you need to take in order to effectively control your money.
I believe this will prove to be a useful association and a positive step forward as Moneywise will help you save money leaving Debtwizard to tidy up matters if spending it results in a problem!
Separate to the above you can be 100% confident that what you read throughout the website is totally independent of any third party opinion or influence because we do not accept advertising or sponsorship that way we cannot be pressurised or influenced on the advice we give. Simply put we have no advertisers, no sponsors, no hidden agenda.
If you have any comments, questions or feedback, you may contact me directly through my contact page.
Mike Thomas
Debtwizard.com
We have listed below organisations that also help for free.
The Insolvency Service
The Insolvency Service have launched their own guide called 'In Debt? Dealing with your creditors.'
You can view this guide by clicking on this link Insolvency Service Guide to dealing with debt.
The Financial Ombudsman Service (FOS)
The official independent body in settling complaints between consumers and businesses providing financial services.
Consumer helpline open 8am to 6pm, Monday to Friday
- 0300 123 9 123 This number will be free if you pay a monthly charge for calls to numbers starting 01 or 02.
- 0845 080 1800 Calls to this number cost up to 4p a minute for BT customers – and may be free on some BT plans. But you will probably have to pay more if you use another phone company or call from a mobile phone.
They will be happy to phone you back, if you're worried about the cost of calling them.
www.financial-ombudsman.org.uk
Citizens Advice Bureau
The Citizens Advice Bureau provide free, confidential and independent advice from over 3,200 locations including in bureau, GP surgeries, hospitals, colleges, prisons and courts. Advice is available face-to-face and by telephone. Some bureaux offer home visits and some also provide email advice. Their advice helps people resolve their debt, benefits, housing, legal, discrimination, employment, immigration, consumer and other problems and is available to everyone regardless of race, gender, sexuality, age, nationality or disability.
Some Citizens Advice Bureau can only give advice to people living or working in a certain area. You may wish to check this link www.citizensadvice.org.uk/index/getadvice.htm to see if they can help you.
Helpline: 0207 833 2181
Money Advice Centres
Specialise in financial problems and are run by the Citizens Advice Bureau (CAB) or local authorities in some areas, check telephone directory or on-line.
Money Advice Association
Helpline: 020 7489 7796
Money Advice Trust
21 Garlick Hill
London EC4V 2AU
Fax: 020 7489 7704
Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it This e-mail address is being protected from spambots. You need JavaScript enabled to view it
National Debtline
National Debtline is a national telephone helpline for people with debt problems in England, Wales and Scotland. Their service is free, confidential and independent.
National Debtline are committed to answering your call and then discussing your debt problems and the options available to you. The specialist advice that they give over the telephone is backed up with written self-help materials which they can send out to you for free. If your circumstances meet certain criteria, they can, if you are interested, assist in setting up a Debt Management Plan for you, for free.
Their opening times are: Monday - Friday 9am-9pm and Saturday 9.30am - 1pm
Helpline: 0808 808 4000
http://www.nationaldebtline.co.uk/
Consumer Credit Counselling Services - CCCS
Consumer Credit Counselling Service is a registered charity whose purpose is to assist people in financial difficulty by providing free advice.
Helpline 0800 138 1111 England & Wales
Helpline 0800 138 3328 Scotland
The Samaritans
Samaritans provides confidential non-judgemental emotional support, 24 hours a day for people who are experiencing feelings of distress or despair, including those which could lead to suicide.
Whatever you're going through, whether it's big or small, don't bottle it up. They are there for you if you're worried about something, feel upset or confused, or just want to talk to someone.
They offer their service by telephone, email, letter and face to face in most of their branches.
Samaritans is available to anyone in the UK and Ireland. If you live outside of the UK and Ireland, visit www.befrienders.org to find your nearest helpline.
Helpline 08457 90 90 90
