Charges for Negotiations


Our charges for negotiating agreements with your lenders are subjected into three categories:

  • For the outstanding balance between £500-£1500: £200.00 plus VAT per debt.
  • For the outstanding balance between £1501-£9,999: £300.00 plus VAT per debt.
  • For the outstanding balance £10,000 and £25,000.00: £500.00 plus VAT per debt.
  • For the outstanding balance £25,000 and more: £1,000.00 plus VAT per debt.

Our Offer for Negotiations


  • We offer you a free first bi-annual and annual review with all your creditors.
  • If we have to reschedule or restructure your payment plan during one-year time we will not charge you any amount.
  • Restructure of Reschedule your payment plan after first free annual review you will be charged flat £100.00 for every debt.

Charges For Default Cases


  • We will charge you £300.00 plus VAT to deal with one default case against your lender.

Charges For County Judgement Cases


  • We will charge you £500.00 plus VAT to deal with one CCJ case against you.

Cancellation and Refund Policy


If you acquired our services online, over the phone or by mail-order you have the full right to cancel this Agreement within 14 calendar days of signing this Agreement by writing to First Credit Advice Limited.

  • If the Agreement is rescinded within 14 Calendar days of signing the Agreement, you will be entitled to a full refund of any fees/payment made to First Credit Advise Limited.
  • If the Agreement is rescinded within 14 Calendar days of signing the Agreement, however, substantial work has already been carried out against your agreement, we shall deduct a reasonable charge for the work already carried out. First Credit Advice Limited will immediately cease working on your matter and no further work will be undertaken.
  • If you physically visited our office to arrange the service, you will not get this cooling-off period.