Dissolve Debt

What Dissolve Debt does

Dissolve Debt Ltd is a UK FCA-regulated debt advisory and management company founded in 2004, headquartered in Altrincham (Northwest England) and incorporated in England and Wales under company number 5278758 (firm reference 662423). The company serves individual consumers struggling with multiple unsecured debts, including credit cards, loans, store cards, and overdrafts. Its core product is the Debt Management Plan (DMP), an informal arrangement in which customers make a single affordable monthly payment that Dissolve Debt distributes to creditors after deducting fees. Set-up fees equal 50% of the monthly payment for the first two months, followed by ongoing management fees of £7 per creditor per month (minimum £25, maximum £70), with all fees capped at 50% of the customer's payment to ensure creditors receive the majority of funds.

Beyond the DMP, Dissolve Debt operates a referral pathway to partner firms for formal insolvency solutions including Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and bankruptcy, generating third-party referral commission. The company also supports the government's Breathing Space debt respite scheme (offering 60 days of creditor protection) and provides advisory content on council tax arrears and bailiff issues. It serves the Scottish market under the separate Scottish statutory framework and explicitly excludes Northern Ireland.

The technology stack is built entirely on standard third-party SaaS: WorldPay for payment processing, Digital Ocean for web hosting, Google Analytics and Mixpanel for analytics, and Elementor for content management. Identity verification is handled via Valid8 IP Ltd, which aggregates credit reference data from Equifax, Experian, and TransUnion. The go-to-market model is direct-to-consumer (website and telephone) supplemented by a B2B Referral Partner Program for companies and websites to pass qualified debt leads meeting defined criteria. Dissolve Debt is privately held, family-run, and has assisted over 20,000 clients cumulatively since 2004, with no disclosed external investors, funding rounds, acquisitions, or leadership changes.

Name

Dissolve Debt

Legal name

Dissolve Debt Ltd

Website

https://dissolvedebt.co.uk

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Dissolve Debt Ltd is a UK FCA-regulated debt advisory firm, founded in 2004 and based in Altrincham, that arranges Debt Management Plans and refers formal insolvency solutions for individual consumers with unsecured debt across England, Wales, and Scotland.

Ownership category

akta.pro rank

Product category

Debt Management Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

akta.pro secondary industry

Debt Management Plans (DMP) Administration (FSAEAFAB)

Keywords

• Debt management plans
• Debt advice services
• Credit counseling
• Individual voluntary arrangements
• Debt relief solutions

Headquarters

HQ city

Altrincham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Debt Management Plan - Set-up Fees: Set-up fees charged at 50% of the monthly payment from each of the first 2 monthly payments. Covers identity check, documentation review, initial creditor contact, negotiation of monthly repayments, correspondence handling, regular updates, and budget check-ins.
2. Debt Management Plan - Ongoing Management Fees: Monthly management fee of £7 per creditor (subject to minimum £25, capped at £70). Covers ongoing creditor contact management, monthly payments to creditors, monthly statements, annual budget and plan review, and customer support. Fee capped at 50% of payment to ensure creditors receive majority of funds.
3. Third-Party Solution Referrals: Commission payments received from third-party companies when customers agree to use their services (such as IVAs, DROs, bankruptcy solutions). This commission is not charged to customers directly - paid by partner companies to Dissolve Debt for referrals.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Dissolve Debt is an FCA-regulated debt management company that helps individuals struggling with multiple unsecured debts through Debt Management Plans (DMPs), where customers make a single affordable monthly payment that Dissolve Debt distributes to creditors after deducting set-up and management fees. The company also refers customers to partner firms for formal insolvency solutions (Individual Voluntary Arrangements, Debt Relief Orders, Bankruptcy) and supports applications for the government's Breathing Space scheme.

Product overview

Dissolve Debt operates as an FCA-authorised debt advice and management company offering a portfolio of debt solutions. The core product is the Debt Management Plan (DMP), an informal arrangement where customers make single monthly payments distributed to creditors. The company also provides referral pathways to partner firms for formal solutions including Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and Bankruptcy. Supporting services include the Debt Solution Finder assessment tool, Breathing Space debt respite scheme support, and advisory services for council tax and bailiff issues. Payment processing is handled via WorldPay. The company also operates a referral partner program for business-to-business lead generation.

Differentiator

Problem solved

Functional benefit

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Seven partnerships are on record, tiered core.

• Valid8 IP LtdcoreTechnology or IntegrationProvides credit report and identity information services. Valid8 IP Ltd obtains and/or provides information from credit reference agencies including Equifax Ltd, Experian Ltd, and TransUnion for identity verification and fraud prevention purposes.
• Equifax LtdcoreTechnology or IntegrationCredit reference agency used for identity verification and credit information. Part of the credit check process accessed via Valid8 IP Ltd.
• Experian LtdcoreTechnology or IntegrationCredit reference agency used for identity verification and credit information. Part of the credit check process accessed via Valid8 IP Ltd.
• TransUnioncoreTechnology or IntegrationCredit reference agency used for identity verification and credit information. Part of the credit check process accessed via Valid8 IP Ltd.
• Pacific Financial SolutionscoreStrategic or Co-development PartnerThird-party organisation providing alternative debt solutions. Customers may be referred when IVA or other formal debt solutions are more appropriate than a DMP.
• Money WellnesscoreStrategic or Co-development PartnerThird-party organisation providing alternative debt solutions. Customers may be referred when alternative debt solutions are more suitable.
• WorldPaycoreTechnology or IntegrationSecure payment gateway provider for processing debit card payments from customers.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• PayPlan: UK debt management company providing free Debt Management Plans and formal insolvency referrals. Direct peer offering the same core DMP product to the same consumer segment, with similar fee structures and FCA regulation.
• ClearDebt: UK debt management firm offering DMPs and IVA administration. Comparable commercial (fee-charging) model, FCA-regulated, similar customer segment, and similar referral/management fee structure.
• Christians Against Poverty (CAP): UK charity providing free debt counselling, Debt Management Plans, and insolvency referrals. Comparable customer base, FCA-equivalent oversight, and similar DMP-centric service model to Dissolve Debt.
• Money Wellness: UK debt advice charity offering DMPs, IVAs, DROs, and Breathing Space scheme support. Listed in Dissolve Debt's source materials as a mutual partner for alternative debt solution referrals. Directly overlapping product set and customer segment.
• StepChange Debt Charity: UK's largest debt advice charity offering Debt Management Plans, IVAs, DROs, and Breathing Space support. Directly comparable to Dissolve Debt across product portfolio, customer segment (individuals with unsecured debt), and FCA/regulatory framework, though operating at charity-scale and free to customers.
• National Debtline: Free, confidential debt advice service funded by the Money Advice Trust, offering DMPs and insolvency referrals. Comparable target customer (UK individuals in financial difficulty), product mix, and advisory-led GTM motion.
• Aperture (formerly McCambridge Duffy): Northern Ireland-based debt advice and insolvency firm offering DMPs and formal insolvency solutions. Comparable product mix and customer profile; regional peer given Dissolve Debt notes Northern Ireland has no equivalent Breathing Space scheme, but product overlap is strong.

Emerging players

• Citizens Advice: UK-wide advice network providing free debt guidance, including signposting to DMP providers. Overlaps with Dissolve Debt at the advice/triage layer and represents both a feeder and competitor in the debt advice funnel.

Regional players

• StepChange Debt Charity Scotland: StepChange's Scottish operations offering debt solutions tailored to Scottish statutory frameworks (e.g., Statutory Moratorium). Comparable to Dissolve Debt's 'Scottish Debt Solutions' product line in the Scottish market.

Others

• Money Advice Trust: UK charity that runs National Debtline and Business Debtline. Adjacent ecosystem participant operating the same regulatory and policy environment as Dissolve Debt, and a relevant reference point for the UK consumer debt advice sector.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/dissolvedebt
• Facebookfacebook.com/dissolvedebt
• LinkedInuk.linkedin.com/company/dissolve-debt
• Instagraminstagram.com/dissolvedebt

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dissolve Debt