Want to STOP the stress of debt?

If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

Are you ready?

Show me my debt options

Marston Group Bailiffs & Debt Collectors

Marston Group, or Marston Holdings Limited, is one of the largest debt collection firms in the UK. The organisation collects outstanding debt on behalf of central government, local government and businesses. Marston Group Bailiffs buy debts from government agencies and private companies. They pay less than the full value of the debt (sometimes as little as 20%) and in return, they become the owners of the debt and take action to ensure you pay.

Who are Marston Group Bailiffs?

Marston Group, or Marston Holdings Limited, is one of the largest debt collection firms in the UK. The organisation collects outstanding debt on behalf of central government, local government and businesses. This can include council tax, rent arrears, or overdue bills to private companies.

Why are Marston Group Bailiffs contacting me?

Marston Group Bailiffs buy debts from government agencies and private companies. They pay less than the full value of the debt (sometimes as little as 20%) and in return, they become the owners of the debt and take action to ensure you pay.

If Marston Group Bailiffs have contacted you, it is probably because they have bought a debt you owe to a third party. They are very firm and proactive about collecting debts so it’s best to know your options and have a plan of action before you speak to them. Fees for processing the debt can increase rapidly, so it can be helpful to act quickly.

If you think there has been an error, it’s often useful to contact the company Marston says the debt originated from (for example, your local council for council tax) and verify all the details. The next step would be to write a letter formally disputing the debt.

If you do owe Marston Bailiffs money, there’s a good chance you have several options available to you. Your first option is simply to repay the debt if you can afford to do so. You may be able to arrange a repayment plan for some or all of the debt.

If you can’t afford to pay, or doing so would cause you financial hardship, there are other options including a Trust Deed, Independent Voluntary Agreement (IVA), or bankruptcy. If you live in Scotland, sequestration is basically the Scottish equivalent of bankruptcy. All of these options affect your total debt, not just the one Marston Bailiffs have contacted you about.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.


Trust Deeds and IVAs are similar, in that they are an agreement between you and your creditors to pay back what you can, over an agreed period of time (four to six years.) You need an insolvency practitioner to create the agreement, and they should also deal with debt collectors and creditors for you. Trust Deeds are available in Scotland and IVAs in England and Wales.

For an IVA, you need to owe money to at least two creditors, and they must agree to the IVA being put in place. For a Trust Deed, your total unpaid debts must be at least £5,000.

Having an IVA or Trust Deed is a type of insolvency. It shows on your credit record for six years and can make it difficult to get credit in the future. On the other hand, any debt remaining after the period of the IVA is written off.

Bankruptcy, or sequestration in Scotland, is a very serious decision. You can declare yourself bankrupt, or your creditors can apply to have you declared bankrupt. They will usually only do this if you owe a large amount of money, and often prefer not to do so at all because they have to pay a fee upfront and usually end up unable to reclaim the full amount of the debt.

One major difference between bankruptcy/sequestration and other forms of debt management is that if you declare bankruptcy you may be asked to sell possessions, including your home and car, to contribute to repaying your debt. Bankruptcy also affects your savings and in some cases even your pension or immigration status.

This is in addition to all the other concerns created by insolvency, such as its negative effect on your credit rating. For this reason, it’s essential to fully explore your options and be sure that bankruptcy (or sequestration) is the right choice for you.

Debt and insolvency are complicated issues, and while dealing with a letter, phone call, or even visit from a bailiff can be stressful or intimidating, there are usually lots of actions you can take to get back in control of the situation. The most important thing is to know your options and take action early.

Debt Buffer can help inform you about the options available to you. Take some time to look around the site, find the course of action that is correct for you, and if you wish, you can use our AI chatbot to get further guidance. We also help you write letters to creditors that can ensure you’re treated fairly and negotiate more time for you to pay.

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.


Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas molestias excepturi sint occaecati cupiditate non provident, similique sunt in culpa qui officia deserunt mollitia animi, id est laborum et dolorum fuga. Et harum quidem rerum facilis est et expedita distinctio.


26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

Are you ready?

Show me my debt options