click here to complete an online instant debt assessment

Debt Tip #1

Do you really need it?

Think about what you're buying. It is something you really need or something that you want? A short term 'cheer-me-up' can lead to guilt about buying it. If you do buy something you don't need make sure you keep the receipt and don't be afraid to take it back

CASE STUDIES AND TESTIMONIALS

What our clients say about us.

	"May I take this opportunity to thank you and your team for your assistance over the last few years. I feel that your service represents excellent value for money and it certainly enabled me to recover from what seemed a very daunting financial situation. I would have no hesitation in recommending your services to anyone who found themselves in a similar situation........" - Mr M, Sheffield
	"Just a note of appreciation for all you have done for me. From the first day I saw a small ad in a newspaper which changed my life for the better....the first time I met Charles Rees who came to my house on 26th April 02, to look over my finances to say it was a lifeline is a huge understatement." - Ms M, Cheltenham
	"I'm just writing this short letter to thank you for all the help with dealing with our debts. When Gordon came to explain everything we weere very nervous, because it was our fault we were in so much debt. He told us all we needed to know and said we are not the only ones in this situation, which put us at ease to tell him everything he needed to know. Since being with you for only a short time it still feels as though a weight has been lifted from our shoulders and we know that if we have any problems you are just a phone call away" - Mr K, Hereford
	"I wanted to write and thank you firstly for the excellent job you did with the paperwork (the Court commented on this also) but more importantly for your support and kindness throughout the last few weeks. It really did make a difference in what I found to be rather more difficult (emotionally) than I had imagined......I would like you to pass on my sincere thanks and regards to Sentley and to John for the invaluable advice. It has been a testing timebut all three of you have made the process easier, of that I am in no doubt, and you personally have been brilliant, so thank you once again for all your efforts." - Ms S., Norfolk
	"....You have no idea how worrying this situation was for me for months. I had tried Payplan before you and they kept me gangling on a string for months. Their consultants were rude and unkind too and they made me feel worse about myself than I was feeling already. I read your advertisement in the Daily Mail one day and I called and spoke to Joanne and I knew instinctively that my worries had been heard......I am not anxious anymore - I do not have any tension when the phone rings and you have already sorted so many of my payments, quick er than I anticipated.Words cannot express my gratitude to you all at DCM - Thank you from the bottom of my heart!!!! You are simply the best " - Ms G, Wolverhampton
	"We would like to take this opportunity to thank you and all your staff for all of the help you have given us over the past 5 years or so. ....We often think how lucky we were to pick you ....so here we are are with all our creditors paid off and a lot wiser for the experience, thanks to DCM...... " - Mr & Mrs C.
	"May I take this opportunity to say a big thank you to you and all your staff. Over the last 5 years I have received only efficiency, good manners and a "NOTHING IS TOO MUCH TROUBLE" attitude in my dealings with APEX DCM. The attitude of your staff made being in debt bearable. May I wish you all good luck in the future and may you go from success to success! " - Mr C, Norfolk
	"We would like to express our thanks to you and all Apex staff for the help and advice we have received over the past five years. It feels really good to be debt free at last, and all thanks to you and your company. We have always had the very service from everyone we ahve dealt with and hope you will pass on our grateful thanks to them all. " - Mr & Mrs G, Kent

	......The list goes on......"The future looks so much better", "You guys are a gift from god", "I was just about suicidal....I owe you my life"