Enjay Finance
Expert Financial Support for Debt and Claims
At Enjay, your money matters. With decades of experience in financial services, we know exactly how to navigate banks and lenders to support you with your debts, and help recover your money when you have been mis-sold finance.
Trust our experienced professionals to handle the paperwork, while you regain your time, cash and peace of mind.
100%
Success Rate
In finding a suitable solution
10,000+
Clients
10,000+ client helped since 2008
#1
Solutions in an hour
We will provide a solution within an hour of your consultation.
Your Money Matters
Reach out to Enjay finance today with super fast results after your consultation.
Debt Support
Management, consulation, IVA's, bankruptcy and much much more.
Mis-sold PPI
Reach out to us for a consultation if you feel that you have been mis-sold Payment Protection insurance.
Mis-Sold Car Finance
If you feel you have been mis-sold car finance. Please get in touch for a no obligation consultation.
Business Energy Claims
Please contact us for support with any business energy claims.
Trust Deeds
To arrange to setup a Trust Deed, please book a consultation with us.
Much, much more
If you feel you have been mis-sold any type of finance or agreement. Then please get in touch.
Real solutions that work!
Real People - Results Driven - Simple Process
Debt Support
At Enjay we understand that each person’s circumstances are different, which is why we provide help with your debt situation in a number of ways.
Our aim is to give you peace of mind and help ensure that you are not alone it what can be a stressful situation.
Our qualified advisers will assess your financial situation in detail so that we can recommend the most suitable solution to controlling your debt and giving you peace of mind.
As well as assessing whether a Debt Management Plan is suitable we will also advise if there are other, more suitable options such as Bankruptcy, an Individual Voluntary Arrangement, a Debt Relief Order, a Debt Administration Order or a Trust Deed.
If you agree that our Debt Management Plan is the best solution, you will be assigned a Personal Advisor, who will provide with on-going help and support; with regular reviews to make sure your Plan is still your best option.
Trust our experienced professionals to handle the paperwork, while you regain your time, cash and peace of mind.
How It works!
Every conversation with us starts with us understanding you, and your situation.
- We will learn about your debts, your income and your spending
- We will understand your personal circumstances, and what the main causes of your financial difficulties are
We will then provide you with advice, specific to your situation.
- How much you can afford to pay towards your debt
- How long it would take you to repay your debt
If you can afford to pay reduced monthly payments towards your debts, we may recommend a Debt Management plan.
If you can’t we may advise you on ways you can write off your debt.
Often, we will offer to negotiate with your creditors to strike a balance between repayment and debt write off that works best for you.
We will help you manage your debts such as credit cards, unsecured loans, store cards and overdrafts.
You may well feel that each month your payments to your creditors makes no difference to the balance you owe and late payment charges only make this worse. We can help you overcome this, and our highly trained advisors will recommend the best solution for you.
If you can’t repay your debt then bankruptcy could be the answer; giving you a fresh start and instantly relieving you from debt worries .
If you suddenly have access to a lump sum of money for settlements, either through an investment, pension lump sum, inheritance etc., you should consider using this money to settle all of your debts.
Your debts will then be paid in full and your credit score will improve, as your creditors will record your debt as ‘satisfied’ on your credit report.
An IVA or Individual Voluntary Arrangement is a formal agreement between someone who owes money (debtor) and the people he or she owes money to (creditors) and offers an alternative to bankruptcy.
It typically involves agreeing regular payments to pay all, or part of your debts.
It is also possible to apply for a Lump Sum IVA where you can pay a reduced one off payment.
Debt Relief Orders (DRO’s) are a viable alternative to bankruptcy for people who have a low surplus income, few or no assets and low liabilities.
As with bankruptcy the debts will usually be written off after a year and your creditors will not be able to take action to recover or enforce their debts against you.
An Administration Order is only available in England, Wales & Northern Ireland and is arranged by your local county court.
Your income & expenditure will be assessed and this will determine how much you can afford to pay each month after paying your essential bills. You will pay this monthly payment to the court each month and they will make pro-rata payments to your creditors after taking a 10% administration fee.
Are you paying a number of different creditors such as credit cards, store cards, HP agreements and loans?
If the answer is yes then Debt Consolidation may well be the answer for you.
Scotland
Description tA Trust Deed is Scotland’s version of an IVA. A Trust Deed works out a monthly repayment schedule with the aid of a Trustee based on affordability. A specific period of time will be agreed (normally four years) and at the end of this period all remaining debts are written off provided you have kept to the terms of the arrangement.
Sequestration is only available in Scotland it declares you are formally insolvent which is the same as being made bankrupt. To apply you will need to owe more than £3000.00 and prove you are unable to pay your debts.
If you suddenly have access to a lump sum of money for settlements, either through an investment, pension lump sum, inheritance etc., you should consider using this money to settle all of your debts.
Your debts will then be paid in full and your credit score will improve, as your creditors will record your debt as ‘satisfied’ on your credit report.
MAP was introduced in April 2015 for Scottish residents who do not own their own property, have little or no savings and are on a low income. MAP allows people in this situation a way into sequestration.
“Our business is about building relationships. We have clients who have worked with us for decades, and it’s because they know we take the time to understand their situation and fight hard for them”
Nico Ragavelas – Director, ENJAY Finance
Independent Benefits Calculator
As part of our support, we encourage you to use an independent benefits calculator to find out:
what benefits you could get
how to claim
how your benefits will be affected if you start work
These are free to use, anonymous, and have replaced the Benefits Adviser service
Claims Management
At Enjay, we’re not your typical claims management company. We don’t cherry-pick cases based on their value. Instead, we’re dedicated to pursuing every claim, regardless of its size, ensuring that you receive the compensation you deserve.
Find out more about our Claims Management services below.
You Can Still Claim For Mis-Sold Payment Protection Insurance (PPI)
The deadline for PPI claims was 29 August 2019, but this does not apply to claims made through the Financial Services Compensation Scheme (FSCS). This is because the deadline applies to claims against companies that are still trading, while the FSCS compensates when financial firms have failed.
If you bought a PPI policy and the information you were given was misleading or insufficient, and the firm that gave you that advice has since failed, you may be eligible to claim compensation with the FSCS.
Thousands of people across the UK have been misled or pressured into paying for an unsuitable, and often unwanted, Packaged Bank Account. A huge money maker for the banking industry, it could be costing you dearly and you do have the right to complain.
Car finance companies may be forced to compensate customers for secret commission payments and inflated interest rates. If you entered into a PCP (Personal Contract Purchase), HP (Hire Purchase) agreement, on or after 2007, you may have a claim.
Millions of UK businesses regularly use an energy broker to source their business energy needs, acting as a middleman between you and the supplier.
If you’ve used an energy broker, they may have added hidden commission into your energy contracts without clearly explaining it.
Energy brokers legally have to disclose any commissions earned, but over the years many have made misleading statements or concealed their financial incentives.
Over 90% of the businesses we’ve spoken to have used an energy broker and our average claim is over £25,000, with some businesses entitled to millions of pounds in energy compensation.
“At Enjay, we take pride in offering a personal touch to our clients, ensuring that you are not just a reference number but a valued customer. With friendly and approachable service, we strive to build lasting relationships while providing top-notch claim and debt management solutions”
John Miller, Director Enjay Finance
What Our Customers are Saying About Us
Book Your
Consultation Today
At Enjay, we believe in taking the time to get to know our clients, and want to understand your specific financial needs.
That means it’s important to us that we speak when works for you. That means when you contact us there will be no endless phone calls, and no spam emails.
Our discussions are completely free, and totally confidential.
Book an appointment to speak to one of our expert advisors at a time that suits you, call, or send us a message and we’ll be in touch quickly.