Univara Business Solutions home

Personal Debt & Repayment Support

Several banks. Multiple repayments. One organised support team.

Univara helps you organise your bank repayment obligations, prepare repayment or settlement requests and coordinate authorised creditor communication—all through one point of contact.

Our personal debt and repayment support services

Main service

One Point of Contact for Your Bank Repayments

Managing several loans or credit cards? Univara helps organise your repayment obligations in one place, coordinates authorised discussions with your banks and follows up on your behalf—reducing the burden of managing multiple conversations.

Bank names are examples only.

02

Repayment Planning & Rescheduling

We review your repayment commitments and help prepare requests for manageable instalments or revised payment dates.

03

Settlement Negotiation Support

We discuss settlement proposals with your banks and creditors under your written authority, seeking options suited to your circumstances.

04

Bank Communication & Follow-up

We help manage correspondence, submit supporting documents and track responses, keeping you informed of the next steps.

05

Payment Tracking & Closure Support

We track agreed repayment dates and confirmed payments, and follow up on settlement confirmations and clearance documents.

Talk About Your Debt OptionsFree Initial Consultation

Service noteWe act under your written authority. Banks may still contact you directly. Settlements and revised terms require creditor approval, and payments go directly to your creditors. Further services and fees are agreed before work begins.

Two things to know before we start

You stay in charge. We only contact a creditor about your account after you give us written authority to do so, and you can withdraw it.

Your creditor makes the decision. We can prepare and present a proposal, but each creditor decides whether to accept it. We cannot promise a reduced balance or new terms.

What happens when you contact us

Your first conversation is free and confidential.

  1. A first conversation

    You tell us what is happening. We listen and ask a few questions. No documents are needed at this stage.

  2. An honest view

    We explain what we think could help, what we cannot do, and any fees, before anything starts.

  3. Your written authority

    If you want us to act, you confirm in writing what we may do and which creditors we may contact.

  4. Proposal and follow-up

    We present your proposal to the creditor, follow up and keep you informed until you have their answer.

What we do not do

So there are no surprises.

  • We do not lend money or arrange new loans
  • We do not guarantee a reduced balance, new terms or creditor acceptance
  • We do not give legal advice or represent you in court
  • We do not ask you to stop paying your creditors
  • We do not start any paid work until fees are explained and agreed

Questions people ask

Is the first conversation really free?

Your initial consultation is free. We explain any proposed service and fees before work begins.

Will my creditor know I contacted you?

Not unless you give us written authority to contact them. Until then, your conversation with us is confidential.

What should I have ready?

Just a rough idea of who you owe and roughly how much. Please do not send identity documents, bank statements or account numbers through the website.

Univara contacted me about a debt. Is this the right page?

If Univara has contacted you on behalf of a business you owe, please reply using the details and reference in that message. This page is for people seeking help with their own debts.

Talk it through in confidence

A short, free conversation is often the first step towards feeling in control again.

Your initial consultation is free. We explain any proposed service and fees before work begins.

Talk About Your Debt OptionsEnquiring for a company? Use the business enquiry.