I went on to a Debt Management Plan with Baines and Ernst several years ago when my finances were out of control. They negotiated with my creditors to freeze interest and pay an affordable amount each month. Eventually, when I was in a position to settle my debts, Baines and Ernst settlement team were able to negotiate big reductions with almost all of my creditors (far more than I would ever have expected). They do charge a fee for settlement but it is certainly worthwhile and I would highly recommend Baines and Ernst for everything they have done to help me.

Under no circumstances should anyone consider employing B&E in any financial / debt consolidations matters.. These people took on a relations CC debt and put this person on their Debt Management scheme, with the promise that after my relation's death they would then freeze the remaining debt, interest free as my family secured to payoff the remaining debt on the sale of our relations property. Baines and Ernst simply sold this debt onto a bereavement debt collecting agency who are calling us on a many times daily basis. Thus this organization have collected a monthy fee (for 8 years) only to then sell this debt on, just like the councils do on failure to pay council tax... You have been warned, DO NOT GO NEAR THESE PEOPLE

Braines & Ernst took £450 off me and they did not contact any of my creditors. I have now lost £450 through this company I even emailed them 10 times to there customer complaint dept and they still haven't got back to me. It been 10 months now since they took my money and they have not botherd to refund any of this money back to me. I'm now going to issue a court summons and expose this company to the FCSC and Government watchdog

I contacted these guys to consolidate my debts, they told me what I needed to hear, then they arranged my monthly fees. Now I am getting court letters off my creditors (even though I joined the programme 3 months ago). I rang my creditors to find out what the problem was, and they haven't even been contacted by Gaines and Ernst, even though I have already paid out £500! Should you be put through to a guy, I will give you fair warning that this guy will set everything up for you as you request, then no payments will be made and he will stop responding to any emails and will definitely not return yours calls. Go to step change instead. They WILL help you. Thanks and good luck everyone.

I was in a sticky situation and needed help. I looked up a few companies on the internet and called B&E. They talked me through what they do and how it works but only when I received the paperwork did I know their fee and how much I was actually paying off my debt and how much they were taking as a cut. I feel completely lied to, yes they reduced my payments ( however, calls were still coming in from my companies as it was set up very badly). I even had to call 3 of the companies and get them to agree to the plan as B&E had sent a letter but nothing else. Thanks to this company I actually ended up in more debt as I was still being charged interest (not what I was told on the phone by B&E), I was now stacking up late payment fees as B&E send they payments when they want and not when its actually due and I then had 3 CCJ on my account. I am now in talks with a legal team and a judge to see if I can claim all the money I paid them back as they failed to keep to the contract they agreed and failed to do what they promised PLEASE PLEASE DO NOT GO NEAR THIS COMPANY.

Started with baines and Ernst in 2000 because i was having financial difficulties and didint want to not pay me debts so i went with baines and ernst as it was advertised on the telly. Debt started off at £34,000 then baines and ernst added an extra £10,000 on for their fees. Started off at £400 a month and then escalated to £600 a month, after 5 years I recieved a letter off baines and ernst stating that I owed £47,000 still, so i went to the CAB who discovered that £24,000 was unaccounted for, I was hounded with phone calls off bines and ernst saying to go back with them the letter was miss printed or something, went back with them for a further 2 year after 7 years recieved a letter off them stating that they wanted me to pay another £66,000 which would take 11 year at £6,000 a year I then stopped giving them money and went with a person who dealt in debt who i payed for 6 year a total of £18,000 to sort it out and 14 year later I have recieved a letter from the county courts I have been took to court off the lowell company off debt that started off at £800 and has now escalated to £3000 after paying a total of nearly £60,000 out over 13 year I am still being harrased, is anybody out there who can help or advise me what to do

They just called me out of the blue, did not introduce themselves, only a Manchester number came up on my phone. The conversation went: B&E - are you (my name) Me - yes I am, who are you? B&E - do you want any elp with your debts luv? Me - no thank you. Who are you? B&E - (yawned down the phone) ok then will call ya later I dialled the number back to establish who was calling me and the person confirmed it was Baines & Ernst, I gave them a summary of the above call. The man Proceeded to tell me that they were a professional company etc etc with so much speed he could hardly have breathed, but could not tell me the complaint to dept number..... Too much..!! If I did need help I would not goto them, and given some of the reviews about their fees that kind of seals it.

Baines and Ernst instantly took the weight off my shoulders as soon as they said they could help. I was struggling after taking on all the household bills and they helped work out what i could afford. I have never had any problems even when having to change payment dates due to my wage payment dates being odd. I think the only thing that lets Baines and Ernst down is the admin fee on a monthly basis as I was told once I had paid the original fee I wouldn't pay anything else. Never the less I am happy with the service I receive

From start to finish, Baines and Ernst were continually helpful. At times when I thought someone was going to come knocking at my door for money, they were very reassuring, which in turn helped me relax and feel safe. I can't say that at any time did I have a problem with any of the customer service team, infact from the word go until the end, which has happened in the last month, I can't say anything bad. If there was an issue with an account they dealt with it to their best. One creditor though would not listen to them, regardless of their phone calls and financial statements which were sent to them. I always found my calls were answered promptly. Financial reviews that took place I did feel were a little rushed, but when your status remains the same year in year out, what's the point of staying on the phone too long. I wish to thank the Team so much for all their support.

I approached Baines & Ernst when I realised that my credit card repayments were getting out of hand. They were extremely helpful and set up a Debt Management Plan immediately. It was made clear to me that there would be a monthly fee of £35 for the service, but for peace of mind I thought that this was worth it and it's good to see my debts reducing for a manageable monthly outlay. The DMP is reviewed annually, and once again the advisers are, once again, more than helpful. During the reviews Baines & Ernst also offer other services available that could reduce other monthly outgoings like duel fuel suppliers, contents insurance and the like. They can also refer one to companies for Will arranging, but the most successful referral I have had is for the claiming of PPI. Overall, an excellent service and weight taken off my mind.

We used this company a few years ago now,we paid the best part of 500.00 up front as some sort of bond,this money would be returned when the plan ended,well we managed to repay our debts using my early retire- ment pension plus help from the Citizens advice,who on our behalf negotiated settlements,fine,but on contacting Baines and Ernst asking for our bond money back we were refused due to clearing these debts ourselves,so they effectively made money from us,not to our way a fair and just way of doing business,think what you will,but we got a raw deal from them.

Special thanks to special people that work for Baines & Ernst. They know what they are doing, they treat you with respect, they listen, they help. True professionals and it is obvious that their work ethic is on the highest level. I know that I am in good hands now and they have my complete trust. I have regained my perspective on my life and feel happy. Kane and Tony, you are more than welcome to pop in for a coffee if you happen to be in the area! Brilliant company.

Hi i have benn with B&E on a DMP for four years now i have Debt of £30,000 all interest has now been frozen and im paying £140 a month which is alot less than i was paying and all i can afford at the moment,All letters from creditors have stopped,yes they charge a £35 fee but for the work they do on your behalf its well worth it.