About ClearDebt

Who we are

ClearDebt was established in 2004 by leading Insolvency Practitioner David Mond. ClearDebt's founding principle is to be a safe place for people in debt to come for advice and debt solutions - guaranteeing a transparent and ethical service at all times.  

David Mond has worked with people and organisations in financial crisis for over 40 years. Throughout this time, he has been witness to companies that collapsed because they failed to put their clients' needs first. ClearDebt aimed, right from the start, to be the most effective, transparent and ethical debt resolution provider. That will always be our aim.

Based in Timperley, Cheshire, ClearDebt has over 130 staff and is continuing to grow.  

As Chairman of the Debt Resolution Forum, David encourages and pays for all staff to take the CertDR qualification - Certificate in Debt Resolution, which is a qualification offered to all professionals in the debt sector and managed by the DRF.  This qualification requires 210 hours of study and is equivalent to a BTEC National Diploma.

What we do

At ClearDebt, we offer you:

• FREE debt advice guides on the right debt solution for you: DMP, IVA, Bankruptcy or Debt Relief Order (DRO)
• Debt Management Plans
• Individual Voluntary Arrangements
• Prepaid MasterCard ClearCash - an alternative to a standard bank account
• Budget/Money Management Training
• Online Community Support from professionals at ClearDebt and our clients - all of whom offer first hand experience and advice.

We believe the service we offer isn't just the actual solution, such as a Debt Management Plan or IVA, but also in the advice and support we offer to help you adjust your life and come to terms with the impact your new plan may have on you and your family.  

We provide as much support as possible through our free advice guides and online community - helping you to make clear progress towards a debt free future with the confidence that you will be able to manage your finances more easily at the end of your arrangement.

What our clients say

Our clients experiences speak for themselves - here are just a few comments to review.  For more independent testimonials to our service, please see independent review site: www.iva.com

"We rate ClearDebt 10 out of 10 because they were just fantastic!  They put us at ease from the first phone call; it was like having a friend in the know.  Their service was faultless."  Sandra

"Just a little note to say thank you for all you have done to help me and my family keep our home with payments we can afford.  Hopefully no-one I know will be in this situation, but if they were, I would recommend your company. " Michael

"When we first made contact with ClearDebt we didn't really know what to expect; but I wasn't judged or looked down upon and they really wanted to help."  Robert

"You saved me from bankruptcy. The process was so smooth and easy, just one monthly payment and all of my debts are handled. Thanks for all your help."  David

"ClearDebt helped me face up to my financial problems.  All aspects of the process were explained fully and this really put me at ease.  The fact that I could trust them entirely was a huge plus.  Thank you!" Rachel

"This is a quick note to say thanks for helping me through my financial nightmare by cutting my payments by over 60%.  I highly recommend you to everyone with debt problems.  Your staff were very efficient, honest and responsible."  Allan

Please note: The names attached to the above testimonials have been changed to protect the confidentiality of our clients.  These are genuine reviews and the exact data can be provided at request by official bodies.

Staff Biographies

David Mond - CEO
David Mond is CEO at ClearDebt as well as Senior Partner at Hodgsons Charted Accountants.  A Chartered Accountant and Licensed Insolvency Practitioner, David has over 40 years experience and has been instrumental in successfully campaigning for ethics and high standards of services within this industry.  David is Chairman of the Debt Resolution Forum (DRF) and created ClearDebt because of his strong belief that a debt resolution service could have the highest standards of service for both those who owe money and the creditors they owe money to.

"Creating ClearDebt was an extremely exciting time for me - an opportunity to give people in debt an option they so desperately needed - a safe haven.  It was the right time to make a stand within the debt sector and set the wheels in motion for others to follow our practice."

Click below to hear more from David on creating ClearDebt:

Andrew Smith - Marketing Director
Andrew Smith, Marketing Director of ClearDebt is a member of the Chartered Institute of Public Relations and also has diplomas from the Chartered Institute of Marketing and the Communications, Advertising and Marketing Foundation. He has worked in marketing communications for 34 years.  Between 1992 and 2004 Andrew was a director of specialist insolvency, debt and personal finance communications firm, Smith Grundon & Partners Limited. He joined ClearDebt in August 2004.

"Since joining ClearDebt we have been able to make visible progress not just in terms of ensuring the standards and ethics within the company are correct, but in terms of being in a strong enough position, politically, to be able to make a difference in campaigning for the rights of people in debt."

To hear Andrew talk more about this, click below to listen to his 40-second audio clip:

 

Simon Lee - General Manager
Simon Lee has been with ClearDebt since 2007 and has worked in the finance sector since 1999. Simon is responsible for the debt management team and makes a vital contribution in many areas of the business.

"It's essential we provide accurate advice from a client's very first call with us - all the way through to the completion of their agreed debt solution.  It's our job to ensure they never feel judged, but instead, feel the benefit of the lifeline we are able to offer, and the relief they can start working their way towards a debt free future."

Cheryl Allen - Insolvency Manager (IVAs)
Cheryl Allen, Insolvency Manager, has worked for David Mond since 1999, was with ClearDebt from the start, and is one of our longest standing members of staff.  Now responsible for a team of 17, Cheryl manages the process of client communication and documentation from first contact to acceptance of IVA from creditors, and then oversees the completion of the entire IVA process.

"I feel it's been a great privilege to see the company grow as we continue to help people with debt problems who are in desperate need of advice, support and relief.  The most rewarding part of the job?  To hear how happy our clients sound when we confirm their IVA has been accepted by their creditors and the weight which is lifted from their shoulders as they realise there really is light at the end of the tunnel."

Tylah Thompson - Head of Supervisory Team (IVAs)
Tylah Thompson, Head of ClearDebt's Supervisory Team has worked in the finance sector since 2004.  Heading up a team of 7 staff, Tylah manages the process of client communication and documentation once an IVA is in place.

"In my opinion, the hardest part of being in an IVA is sticking to a budget - no matter what.  An IVA offers people in debt a solution to a situation which has brought them incredible amounts of stress and worry, however, keeping to the budgets set by the Individual Voluntary Arrangement is often the hardest part. IVAs are flexible and can sometimes be altered if people's circumstances genuinely worsen further.  My team are able to help support people through this process and it's a great pleasure to see them succeed, completing their IVA and beginning their debt free life."

Laura Fitzgerald - Operations and Customer Services Manager (Debt Management Plans)
Working in the industry since 1997, Laura joined ClearDebt in 2007.  Her team look after clients who need support throughout their Plan.
To ensure ClearDebt clients receive the right level of support, an online community space has been created to enable clients to ask questions and talk to each other, as well as to the professional team at the ClearDebt office, about their situation.

"The online community has been a great success - we're always on hand to answer any questions, but the community space gives our clients a chance to speak to each other about their own experiences and share tips and advice which has helped them adapt to their new way of life."
To see our online community, please click here.

Kate Oxtoby - Creditor Liaison Manager (Debt Management Plans)
Kate has worked in the finance sector since 2002 and joined ClearDebt in 2007.
Managing the relationships ClearDebt has with creditors, Kate and her team have become an integral part of the business.

"Developing and maintaining good relations with creditors, enables us to get the best possible response when approaching them with Debt Management Plan proposals.  Relationships like this are never easy, and it's important we work closely to avoid any unnecessary worries for either party."

Why choose ClearDebt?

ClearDebt will give you the advice you need to decide on your best route out of debt - entirely free. We do charge for our services should you choose one of our solutions - but we strive to be the best in our sector and to give you the support you need to succeed  - we don't wave goodbye as you begin your journey but instead, hold your hand all the way.

ClearDebt don't just help people in debt, we also campaign on their behalf to improve the way they are treated by the financial services businesses, including the banks, mortgage providers and credit card companies. We regularly take part in debates within the industry and often discuss topical issues on our blog and online community.   To read a blog by Andrew Smith on this very subject, please click here.

Most IVA providers can't help people with debts of less than £15,000 - £20,000. At ClearDebt we have solutions for people with debts as low as £10,000.

Additional information

ClearDebt has a consumer credit licence issued by the Office of Fair Trading. The licence is No.565479/3.

Contact info

You can reach our team by calling us on 0800 019 2095 or emailing info@cleardebt.co.uk
Alternatively why not fill in our debt analyser now and a member of our team can call you to discuss the best solution for you.

Take the Analyser

Understanding and coming to terms with your debt is one of the hardest parts of this process. It's a long journey and not necessarily an easy one. You can start it though, with a single step - we've created a debt analyser which is a short exercise, enabling you to input a few figures and give you an idea of the options available to help resolve your situation.  Why not take a look now, and see how this works.