About Us

Struggling with debt? You're not alone and there's a better way forward.

At RMS Financial, we specialise in helping individuals across the UK regain control of their finances through Individual Voluntary Arrangements (IVAs) and other tailored debt solutions. We understand how overwhelming debt can feel, which is why we take the time to listen, understand your unique situation, and guide you towards a sustainable plan, without judgement.

Whether you’re dealing with credit cards, loans, or other unsecured debts, our goal is simple: to give you breathing space, reduce your monthly payments, and help you achieve a fresh financial start.

Our Mission

To provide honest, expert debt advice that empowers people to escape the stress of overwhelming debt and rebuild their financial future with confidence and dignity.

Our Vision

A UK where no one has to suffer in silence because of debt. We want to make professional debt solutions accessible, transparent, and effective for everyone who needs them.

Our values

To provide compassionate and transparent financial guidance that helps people reduce debt, improve cashflow, and move toward a more secure financial future with confidence.

Who We Are

RMS Financial is one of the UK's trusted debt advice specialists, focused on delivering practical, compassionate support for people facing unmanageable debt. We work with experienced Insolvency Practitioners and a dedicated team of finance professionals who have helped thousands of people just like you move forward. We don't believe in one-size-fits-all solutions. Every person's circumstances are different, so we create personalised debt plans that fit around your income, lifestyle, and goals.

We listen without judgement and treat every client with respect and empathy.

Clear advice, honest assessments, and no hidden fees.

We focus on solutions that genuinely improve your monthly cashflow and long-term financial wellbeing.

Fast, friendly support whether you're just starting to explore options or ready to take the next step.

From reducing monthly repayments to writing off portions of unsecured debt through IVAs, our team has supported individuals from all walks of life in taking back control.

Combine unsecured debt including:

See which debts may be included in a formal debt solution.

Credit Card

Loans

Buy Now Pay Later

Utility bills

Overdraft

We’ve helped over 270,000 people deal with their debt

Top-Tier Finance Leadership

“Top-Tier Finance Leadership
“junaid”is an outstanding Senior Finance Manager. They have been exceptional in every interaction, providing constant guidance and expert advice that helped me navigate every challenge. Truly a professional at the top of their game. Highly recommended!”

umer

Mar 17, 2026

Junaid- Senior Finance Manager help me…

“Junaid- Senior Finance Manager help me so well. So happy to have found this company. I am now well on my way to be able to sort out my finances. Hopefully will be able to put all my worries behind me. Thanks Junaid for the incredible help and guidance.“

Adrian Chin

Mar 17, 2026

I have a great experience with the rams…

“I have a great experience with the rams they treated very well and I highly recommend them for my experience they are the best thank you for helping me to take my debit out in setting plan… “

Costica

Feb 19, 2026

It is an Amazing experience with the…

“It is an Amazing experience with the RMS Financial. He was very attentive and offered the best advice. Thank you so much I really appreciate your help and support. “

Nnamdi Owuamanam

Feb 17, 2026

Junaid has been really helpful in…

“Junaid has been really helpful in helping me get an Iva and has held no judgement. I would 100% recommend 🙂”

KellyAnne Bowers

Feb 16, 2026