Have you ever wished you could get full control over your finances, rather than your finances controling you?  If you feel out of control of your finances or maybe you just feel like you have been mis-sold finance in the past, then we would like to help you put this right and guide you and your family to a much brighter future.  A future you are in control of!

DPSP is a fully licensed Debt Management Company and Claims Management.  DPSP based in Cannock, Staffordshire, and covers the whole of the UK.  We work with a variety of legal experts in claims, redress, debt, insolvency and legal professionals across the UK to help you resolve your property issues and improve your financial position, whatever it may be.

DPSP is regulated by the Ministry of Justice in relation to claims management activities, but we do so much more than claims management.

At DPSP we pride ourselves on finding the right solution for all of your financial and property issues, supporting you at every stage and providing exceptional and friendly customer service.

Although fully licensed as a Debt Management Company, we differ from traditional approach as we do not use a “one size fits all” approach when looking at a solution for you. At DPSP we look at your overall situation, take into account what your goals are for the future and then tailor a solution that meets your needs.

Our aim is to help you regain control over your financial freedom and become debt and stress free as soon as possible, but in every case, to provide a solution that is RIGHT for you today, tomorrow and for the rest of your life.

DPSP have a team of audit & forensic specialists with vast experience within the compliance auditing sector. They are fully trained and will audit files from all parties involved within the mortgage and/or secured loan trail. Our auditors are trained to look for any and all potential breaches recognised by the regulator.

Our initial appraisal is without obligation and will give you a list of potential breaches based on information you supply. Although this is not a full audit, it will provide you with security that there may be issues worth challenging your lender or advisor about the advice and recommendation given.

DPSP’s aim, with the help of the audit team is to obtain compensation and/or redress to your contract from your advisor based on the MCOB rules “treating customers fairly” and that your advisor or lender should put you back into the same position you were in prior to taking out this mortgage or loan.

Whether you have a residential mortgage, buy to let mortgage, right to buy mortgage, fixed mortgage, second mortgage, a bad credit mortgage or a first time buyer mortgage, we are confident we could help. Misrepresentation and professional negligence is recognised by the FSA as a widespread problem.

If you have a mortgage that is with a sub prime or specialist lender that you arranged via a mortgage broker, are you sure you were given the right advice and charged the correct fees?

In 2008 the Financial Services Authority announced that it was concerned about the growing problem of mortgage mis-selling.

Over the past 12 months the Financial Services Authority has banned many mortgage brokers for not having strict controls in place, not treating customers fairly under MCOB rules and not ensuring suitability or affordability of the new mortgage.

Even though the majority of the UK mortgage owners are not aware that they have been Mis-sold a mortgage, the Times newspaper in November 2007 reported that more than 371,000 home owners believe they may have been given bad advice or have been mis-sold mortgages.

A spokesman for the Financial Services Authority on the subject of mortgage brokers giving bad advice and mis selling mortgages said, “We found some willing to offer mortgages they know to be unaffordable and to accept self cert business even when they had concerns that the financial information provided by the customer was implausible. These practices are completely inconsistent with treating customers fairly.”

There are many circumstances that may constitute professional negligence or mis-selling.

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What Types of Client Can DPSP Help?

How Do DPSP Work?

Once you have decided to work with DPSP to claim compensation or redress and/or regain control over your financial future, we can (if required) formulate an action plan to cover the SHORT, MEDIUM and LONG term, this could include the following, depending on your “Personal” situation:

SHORT TERM: - We will offer EMERGENCY protection for you, this could be helping with bailiff action, repossession proceedings, dealing with problem creditors and debt collection agencies and generally helping you take back control.

The short term plan is ideal if you are currently out of work, struggling to pay your creditors and need breathing space to get yourself back on your feet, or you may simply be worried about getting into further debt in the future. WE CAN HELP.

MEDIUM TERM: - This is where DPSP will look at ways in which we can help you become DEBT FREE. Unlike other Debt Management companies DPSP aim to achieve this inside12 months but it really does depend upon individual circumstances and we cannot promise this in every case, we can however promise to do our best for you!

We have at our disposal a full range of financial products to help us achieve this, ranging from looking at whether your unsecured or secured credit agreements under £25k are legally enforceable, are you due redress on your mortgages or secured loans due to the mis-selling, misadministration or miscalculation of the loan, through to the more traditional Debt Management tools. The more traditional solutions that we offer include Debt Management Plans, Individual Voluntary Arrangements and Bankruptcy, however if they can be avoided then that is our aim, particularly is your Credit File is important to you and your future plans.

LONG TERM: - DPSP can help you plan YOUR FUTURE. Now that you are, or are on your way to becoming regaining Financial Control, we will work with you to protect yourself against future financial issues, build a savings safety net, get a foot on the property ladder, stay on the ladder or even build your own property portfolio, whatever works for you and your future!