Baines & Ernst Dept [TV Advertisement]

Baines & Ernst are the biggest Debt management company in the UK. Impressive huh? One of my mates enlisted their help as he found himself in a situation where his sleep was affected, he worried constantly, he had used all his credit cards to the limit and got loans to have a nice life... It all started when his long term partner ditched him for a bloke with more money and a better job, but hey thats another story... He felt down and wanted to cheer himself up and he had 2 credit cards with £1000 on each to spend... Clothes quickly ensured he reached his limit and he called up for a higher ... more

Never in my life have I felt so low. That was my opinion less than a year ago, my business was slowly drifting off down the proverbial Swanny River, my partner had quit his job and my life was falling apart. They say you can't start your ascent until you've hit rock bottom, well, I'd hit it all right. My business had been in trouble for a while and I had refinanced everything I could, I'd negotiated temporary repayment programs with all but one of my creditors and already borrowed in the region of 15k from friends and family, the borrowing had to stop. Why is there always one? Why wouldn't ... more

I had to contact Baines and Ernst a couple of years ago, (or so I thought after seeing them on the tv) my out goings were not exceeding my income but not leaving me much at the end of the month. So I thought that all my problems were over. I rang the number given and gave them all my credit info they requested, Then they told me to stop paying. once I stopped paying everything i had then to send all the late payment letters to them for them to negotiate a payment schedule. they worked this out on information I gave them in terms of my income and what i had to payout that wasn';t covered by ... more

I really don't know why the Adcertising Standards Authority lets these people get away with their misleading ad - their so-called service is nothing more than a way of getting money out of people who are already in dire financial straits. They offer to help with depts and reduce payments, but what they don't tell you is that they take a huge, and I mean huge, chunk of that money in their fees. they don't do anything that any Citizen's Advice Bueau or local Money Advice Centre won't do for free or for a small donation. Ask any financial journalist or similar authority on debt management - this ... more

I like many were drawn in by the amazing helpfulness of the baines&earnst advert, 'cut down you monthly out goings for a better life'. 'quickly remove your debts without the worry'. It's all camel dung as i found out the hard way. I had a pregnant wife £11,000.00 pounds of debt and i just lost my job, sitting at home depressed and full of sorrow about my situation an advert ,bains&earnst we willl help you get back on your feet go on give us a call. as most have we did. they explained how they work 'we will take all your debts speak to the relevant people and that's all you do. 'youpay us £140 ... more