Your Most Trusted Partner in Debt Help

When starting your plan, you will stop paying your creditors. Your creditors will record these as missed payments, which could result in accounts going into default. This will also be recorded on your credit file. If you have missed payments previously, they will be recorded on your credit file regardless. Once you have agreed to proceed, Prowse Phillips will contact your creditors to legally request information they hold on you.

The aim of this service is to have your debts written off or deemed unenforceable. If either of these outcomes is achieved, a request can be made to the creditors to remove the debt and any negative impacts recorded, such as missed payments or defaults, from your credit file altogether.

Even though Prowse Phillips Law will ask your creditors to put the account on hold, your creditors still have a legal obligation to provide certain information to you about the account, such as statements, notices of arrears, and notices of default. If you are contacted by your creditors, make sure to inform Prowse Phillips Law so they can stop any contact that is not legally required.

Your monthly, affordable payment is made directly to Prowse Phillips Law. This fee covers their legal services in challenging the debt.

The reason the fee is spread over 24 months is to ensure that this process is affordable for as many people as possible. You are paying for their legal expertise to deal with your creditors directly, with the aim of writing off the debts.

This fee does not go to your creditors to pay off your debts.

Unfortunately, nothing is guaranteed—apart from death and taxes, as the saying goes. However, Prowse Phillips law have had over £2,000,000* written off or deemed unenforceable for clients since August 2023. (*This figure is accurate as of 18/03/25.)

Prowse Phillips Law will send a legal request to your creditors, who have 12 days plus 2 days' service to reply. If they receive the documents requested, Prowse Phillips will scrutinise the agreements to identify any issues that would allow them to argue for having the debts written off or reduced if they are improperly executed.

If no breaches are found, Prowse Phillips Law will then attempt to establish whether your creditors will agree to a new, more affordable repayment plan. You will need to agree to this plan directly with your creditors.

If you have multiple debts that they can still assist with, they will continue working to write off those debts. You will continue paying for that service, though they will agree on a new monthly fee to account for the fact that you will now need to continue repaying one or more of your creditors.

Prowse Phillips law can help with all debts governed by the Consumer Credit Act 1974, such as:
• Loans
• Credit cards
• Overdrafts
• Store cards
• Klarna
• Hire purchases

This service does not apply to council tax debt, parking fines, utility bills, or HMRC debts. If you have a mixture of these types of debts, we can still help with the other types of debt listed above.

Debt-Rescue is a trading name of the 205 Group Ltd, established in January 2015 and regulated by the Financial Conduct Authority.

Debt-Rescue’s role is to act as the marketing and first response team for Prowse Phillips Law. Our job is to explain Prowse Phillips' service to you and ensure you meet the criteria.

Once you are happy to proceed, Debt-Rescue will formally introduce you to Prowse Phillips to sign up as a client with them.