Our insolvency practitioners are regulated by ICAS or IPA and our firm is FCA approved.
Northern Ireland Debt Solutions is a trading name of Begbies Traynor (Central) LLP, which is fully authorised by the FCA to undertake debt counselling and debt adjusting and its reference number is 660455.
We are a member of ICAS and in our conduct are subject to its Code of Ethics which can be found at www.icas.com/ethics/icas-code-of-ethics .
We will observe and act in accordance with the byelaws and regulations of ICAS. We accept instructions to act for you on this basis.
Kenneth Craig, of Begbies Traynor (Central) LLP, has obtained a practicing certificate from ICAS and holds an Insolvency Permit issued by ICAS.
Northern Ireland Debt Solutions is a trading name of Begbies Traynor (Central) LLP, which is a member firm of the IPA.
Kenneth Wilson Pattullo is licensed by the IPA, and bonded and authorised to accept insolvency appointments in the UK. Further details are available at www.insolvency-practitioners.org.uk
After losing my job, I started relying on credit cards and payday loans to get me through the month. As the debt build up, I found it increasingly difficult to keep up with the monthly payments and was hit with late penalties and added interest which only made the problem worse.
I was ignoring letters and phone calls, and dreading knocks on the door fearing it was bailiffs. This was when I knew I had to seek expert advice. After contacting Northern Ireland Debt Solutions, I felt an immediate sense of relief. Within a matter of days, the phone calls and threatening letters stopped, and I was finally able to move on with my life.
After burying my head in the sand for many years, I knew I had to face up to my debt problems. I was ashamed of the situation I had got myself in to, and it took a lot of courage to pick up the phone and make that first call to Northern Ireland Debt Solutions.
My adviser was sympathetic to my problems and I never felt as though I was being judged. He explained all of the options which were available to me and explained how each would work in my situation. While bankruptcy is a big step, I knew it was the best thing for my circumstances. I paid off what I could afford and the rest was written off. Three years on, I am in a much better place financially and able to look forward to the future.