About Us

Kensington Financial Management Consultants is one of the UK's leading total financial solutions companies, offering complete, honest and effective financial resolutions direct to the public. Providing a personal service, we supply our clients with tailor-made solutions to meet their individual needs.

Our Manchester-based company was created in 2001 with the aim of providing clear, ethical expert support and advice to consumers across the UK looking to effectively manage their money.
The best and only way to resolve financial concerns is to take a proactive approach and work with an all solutions provider who can offer an extensive range of products, which is why Kensington Financial Management

Consultants provides the following expert services:

Debt Advice
Debt Management Plans
IVAs (Individual Voluntary Arrangements)
Bankruptcy solutions
Debt Consolidation
Trust Deeds
Full and Final Settlements

Since its inception, Kensington Financial Management Consultants has not only rehabilitated thousands of clients, but has also offered a wealth of sound financial advice to those looking to manage their money more effectively. The company helps and advises over 25,000 people and families who are struggling with their finances across the UK each month and to date has handled over £1billion of consumer debt.

Training and development is a major focus for Kensington Financial Management Consultants, and works closely with training providers to ensure effective career development for staff members. The continuous training program in place has a positive effect on the customer experience. As a result, the customers benefit from second-to-none customer service levels.

Positive Partners

Kensington Financial Management Consultants not only works directly with consumers but has also established several strategic partnerships with leading professional organisations; from home shopping and catalogues, to store card and credit card providers, banks and finance houses.

The role of these partnerships is to improve creditors' bad debt provisioning, help with the collection of monies owed and treating their customers fairly by offering a solution to pay off debts that is affordable and sustainable to the consumer's financial situation. This means a real benefit to both lender and customer.

Kensington Financial Management Consultants works with these partners to ensure that all owed monies are collected and that their customers are able to manage all their finances adequately.

Debt Consolidation

Do you owe money to a range of creditors? If so, debt consolidation can help by gathering all those debts together, so you pay just one monthly repayment. As such, it makes your debts more affordable: debt consolidation simplifies your finances.

There are several different routes you can take, which is where Kensington Financial Management Consultants can help to advise you on the best debt solution depending on the size of your debt and your individual financial circumstances.

Your debt consolidation solution couldn't be simpler all you need to do is submit your details or call 0800 096 4409 and we will do all the hard work.
We will:

Allocate you a personal friendly advisor
Confidentially review your circumstances
Offer ethical advice on debt consolidation solutions
Research the best product available to you
Recommend the best debt consolidation solution for you
At Kensington Financial Management Consultants, we make financial sense: let us manage your debt burden. We are proud to already help over 25,000 families.

We will advise and manage your debt consolidation solution for you, taking care of the administration on your behalf. It's our aim to help everyone who contacts us, whatever their requirements, so it's really worthwhile contacting us today.

Our team of experts can guide you through the range of debt solution options available. We can help whatever your circumstances, even if you have a bad credit history. If you're unsure debt consolidation is right for you, call one of our friendly experts FREE on: 0800 096 4409.

Manage your debts
At Kensington Financial Management Consultants we understand the distress debt can cause. Which is why we are dedicated to acting swiftly to find the best debt consolidation for your individual circumstances.

Kensington Financial Management Consultants are a total Finance Solutions company helping people all over the UK. We work out a financial solution based on your individual circumstances. We will allocate you a friendly advisor who will chat through your current situation and formulate a plan for you without obligation. It's our aim to help everyone who contacts us. So it's really worthwhile giving us a call on 0800 096 4409 or applying online today for a confidential chat.

Debt Consolidation

Do you owe money to a range of creditors? If so, debt consolidation can help by gathering all those debts together, so you pay just one monthly repayment. As such, it makes your debts more affordable: debt consolidation simplifies your finances.

There are several different routes you can take, which is where Kensington Financial Management Consultants can help to advise you on the best debt solution depending on the size of your debt and your individual financial circumstances.

Your debt consolidation solution couldn't be simpler all you need to do is submit your details or call 0800 096 4409 and we will do all the hard work.
We will:

Allocate you a personal friendly advisor
Confidentially review your circumstances
Offer ethical advice on debt consolidation solutions
Research the best product available to you
Recommend the best debt consolidation solution for you
At Kensington Financial Management Consultants, we make financial sense: let us manage your debt burden. We are proud to already help over 25,000 families.

We will advise and manage your debt consolidation solution for you, taking care of the administration on your behalf. It's our aim to help everyone who contacts us, whatever their requirements, so it's really worthwhile contacting us today.

Our team of experts can guide you through the range of debt solution options available. We can help whatever your circumstances, even if you have a bad credit history. If you're unsure debt consolidation is right for you, call one of our friendly experts FREE on: 0800 096 4409.

Manage your debts
At Kensington Financial Management Consultants we understand the distress debt can cause. Which is why we are dedicated to acting swiftly to find the best debt consolidation for your individual circumstances.

Kensington Financial Management Consultants are a total Finance Solutions company helping people all over the UK. We work out a financial solution based on your individual circumstances. We will allocate you a friendly advisor who will chat through your current situation and formulate a plan for you without obligation. It's our aim to help everyone who contacts us. So it's really worthwhile giving us a call on 0800 096 4409 or applying online today for a confidential chat.

Although initial advice is free, if you do choose to take one of the services offered by Kensington Finance (or one of its associated companies) fees will be payable.

Full & Final Settlements

What is a Full and Final Settlement Offer?

A Full and Final Settlement Offer is an offer of partial repayment to your creditors in the form of a one-off lump sum payment in return for having the remainder of your debt written off. A Full and Final Settlement Offer is a suitable strategy to clear your debts if you have access to a lump sum of money. This could be from:

Savings
Remortgaging your home
An Equity release scheme
Third-party donation from your friends or family
Redundancy
An inheritance or Lottery win
The sale of assets such as property, investments, or works of art. It is important that any items you sell are not “essential items" such as a car if it is necessary for your work, or essential household items such as beds, cookers and fridges.

Why would my Creditors accept a Full and Final Settlement Offer?

There are a number of reasons why creditors will accept a full and final offer.

It avoids legal expenses. If a creditor were to make you bankrupt, a large portion of the lump sum would be swallowed in legal fees. Furthermore, any legal action would not guarantee repayment anyway.
Your creditor may prefer to receive one lump sum payment now, than smaller payments over a longer period.
Depending on your personal circumstances, your creditor may realise that you will be unable to pay any more than the lump sum offered.
Simply call us on 0800 783 5650 or complete the Quick Enquiry form on the right to discuss your situation with a trained advisor.

What are the Advantages of a Full and Final Settlement Offer?

The advantages of making a Full and Final Settlement Offer includes:

If your offer is accepted, it would mean that you would pay less than you would otherwise have to.
Your debt will be paid off sooner, and you can make a fresh start
Your creditors should then mark your debt as “Satisfied" so that future searches on your credit file will show that you have successfully dealt with your debt.
Clearing your debt may improve your credit rating

What are the Disadvantages of a Full and Final Settlement Offer?

The disadvantages of making a Full and Final Settlement Offer includes:

You may need access to a lump sum which could be used for other purposes
Once your creditors know that you have access to a lump sum, they may demand full payment of your debt.
It is not guaranteed that your creditors will accept your offer.
Clearing your debt will not remove any Default Notices or CCJs previously taken against you from your record. They will remain on your credit file for 6 years from their point of entry

Individual Voluntary Arrangement

An Individual Voluntary Arrangement is a legal agreement reached between you and your creditors. Here at Kensington Financial Management Consultants we act on your behalf to help facilitate this agreement and ensure that the repayment scheme is set at a level which is financially viable for your circumstances.

If you have large level debts, then an IVA can make it possible for you to begin repaying your arrears and take your first steps on the road to financial solidarity.

We have many options available to our clients that will help provide financial freedom. An Individual Voluntary Arrangement (IVA) is a highly viable and effective means of overcoming financial arrears and we help thousands of clients each year address their debt problems through the use of one of our IVAs.

There are many benefits to emerge from an IVA from Kensington Financial Management Consultants. The primary benefits are:

Your debts no longer accumulate interest and are frozen at the same level to make repayments much more manageable.
Repayments of debt are laid out in a fixed term and most people find themselves completely debt free for there qualifying debt in as little as five years (though your credit rating may be affected for up to six years).
Creditors will no longer pressure you for payments and it becomes illegal for them to do so. We act on your behalf to ensure repayments are met you'll only deal with us.
To find out how an IVA from Kensington Financial Management Consultants can help you overcome your debt management concerns, just give one of our expert consultants a call on 0800 096 4409 or fill in our enquiry form on the right.