The Debt Advice Team

As debt help specialists that have expertise in helping people with financial problems and complaints against financial institutions, Breathe Financial Management helps individuals with debt problems via our comprehensive Debt Management Service.

Whilst there are now many debt management firms offering simple debt negotiation services we ensure that our clients receive professional intervention and support when dealing with their various banks, credit card companies or other financial institutions that may be owed money.

This is why the ground-breaking Debt Management Service that we operate also uniquely includes legal protection against creditor harrassment for our clients provided by Hutcheon Solicitors. Our debt management service is very different from the many simple programmes offered by debt charities and firms. Also, as we would not accept any funding from creditors there are no conflicts of interest and absolutely no confusion as to who we represent. We represent you, our consumer client, and not your creditors.

Our role is very clear. It is to do all we can to reduce your debt using all legal means and to protect you from aggressive creditors that may try to circumnavigate their legal debt collection rules and regulations and be unsympathetic towards your situation.

Protection From Unfair Creditor Behaviour

We are very conscious that some banks and other credit providers have, in many cases, treated people with financial problems unfairly and without the appropriate sympathy and professionalism that they have a duty and responsibility to provide at all times. Quite simply, we will take legal action against creditors that do not behave appropriately in their dealings with our clients. Unfortunately, it appears that some credit providing organisations have not acted ethically at all times in their dealings with their customers. Indeed this has led to a number of banks being investigated and fined by the Financial Services Authority (FSA) for matters such as the mis-selling of Payment Protection Insurance (PPI) for example.

Investigating Creditor Mistakes

An added benefit of the Debt Management Service from Breathe Financial Management is that it also provides our clients with the comfort in knowing that we can investigate instances of financial mis-selling from creditors along with challenging the legal enforceability of certain credit cards or loans that have not been sold or prepared correctly under the Consumer Credit Act (CCA) If we find that you have been mis-sold to by your creditors then we can consult with you about your options to take the necessary legal action required to make the creditor concerned repay what they owe you and also seek to have certain credit agreements that can not be legally enforced removed from your overall indebtedness helping you to get out of debt as soon as possible.