“Debt is hard and we have certainly learned the hard way but with your help it has been a lot easier."(Miss B – Southern England)

Every debt advice organisation will tell you that they offer “best advice”. We don’t think that’s enough.

Bright Oak stands for delivering quality service as well as the right advice. Our existing clients have noticed and you can read their comments around this website.

Our team are committed to genuinely helping people. Every debt adviser in our team is professionally qualified to ensure you find the right debt solution: Meet the Team

We are debt management plan specialists. In the right circumstances and when properly delivered Debt Management Plans work. Read more about Debt Management Plans.

Our commitment to service and quality has been recognised in the wider community. Unions, a charity, professionals and a financial media figure recommend us: Our Network

Unlike some other companies we won’t promise you the earth. Debt can be painful and worrying. The solutions require time, commitment and determination. However we offer advice, support and help all who come to us. Together we can deliver a plan to get your finances back under control.

“I would like to take this chance to say I am over the moon I’ve
found your company. A lot of debt advisory centres don’t seem
to care why you’re in trouble but you are all so helpful and
caring but above all supportive." Mrs K (by email).

Choosing Your UK Debt Management Company

Bright Oak is a debt management firm dedicated to providing the right advice and effective debt solutions. We were the first debt management plan company in the UK to only employ debt advisers who are fully professionally qualified.

A Debt Management Firm Focussed On Service

Unlike so many of our competitors Bright Oak believes in delivering high levels of customer service. Too often a UK debt management company will fail to deliver what they promise. Our team of debt management plan experts will work with you knowledgeably, promptly and courteously to put an effective debt management solution in place.

An IVA Or Trust Deed May Be A Better Solution For You

In some circumstances a more formal debt management solution, such as an IVA or Trust Deed (in Scotland), may provide greater certainty and a shorter repayment term. Our professionally qualified debt advisers are able to provide advice on all of the debt solutions available in the UK, including an IVA, Trust Deed, Debt Relief Order, refinancing, re-budgeting or bankruptcy. Our advisers also provide the support team for a connected IVA Forum .

Key Facts About Our Services And Fees

If you choose to enter a Bright Oak debt management plan fees will apply. Click Here for further details on our fees. The retained “initial fee” will result in accounts going further into arrears.
A debt management plan may lead to an increase in the overall amount repayable.
Your ability to obtain further credit will be affected. Click Here for further details.
If you change your mind about starting a debt management plan with us you will have 14 days to cancel.
The Insolvency Services produces a guide to personal debt solutions which explains the various debt solution options. You can read it here: In Debt? Dealing With Your Creditors . If you live in Scotland you may wish to read the: AIB Debtors’ Guide .
Calls to our 0800 “freephone” number from mobile phones and some other networks may be charged.