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MoneyPlus Advice appoints J3 Debt Solutions as Appointed Representative amid cost of living increase

14 February 2022

Manchester-based financial services provider MoneyPlus Advice has appointed J3 Debt Solutions to its growing network of Appointed Representatives amid rapid increases in the cost of living for consumers.

The MoneyPlus Advice Appointed Representative (AR) Network works with smaller debt advice firms to support consumers out of financial difficulties that may have been exacerbated throughout the recent pandemic.

MoneyPlus Advice was one of the first commercial debt advice companies to gain full accreditation from the Financial Conduct Authority in 2016, and will extend its current accreditation to the firms it chooses to work with in its network, allowing them the full backing of the regulator.

The appointment of J3 Debt Solutions to the network means that the firm can now provide regulated, comprehensive debt advice to customers in the UK, including Debt Management Plans, IVAs, Trust Deeds, Debt Arrangement Schemes, Debt Relief Orders, and Breathing Space.

J3 Debt Solutions, a firm currently specialising in offering Trust Deeds, Sequestration, Debt Arrangement Schemes and Minimal Asset Process, has offices in Glasgow and Manchester and a customer base of 2000 clients.

Firms who sign up to the network will be given access to MoneyPlus’ extensive database of expertly designed customer service tools and resources, whilst customers can expect to benefit from lower call wait times, personalised customer service, and enhanced support facilities.

Jonathan Mills, Commercial Director at MoneyPlus Group, said: “We’re really excited to partner with J3, which will help to create an excellent debt advice journey for more and more customers, ensuring they receive most appropriate debt help and support, and enter into the right solution once debt advice has been provided.

“Our sights are firmly set on building the largest AR network that focuses solely on debt advice in the UK. It’s a big ambition, but we have been in the financial services industry for over 20 years, so we have the know-how to get it done, and do it right.”

Rachael Phillips, Assistant Compliance Director of MoneyPlus said; “We only want to work with the best debt advice providers, the firms that can demonstrate they have the achievement of good customer outcomes at the heart of their business model. J3 have a strong history of helping many customers in financial difficulty, and we have been very impressed with the quality of their business activities and management team.”

J3 said: “We are excited to partner with MoneyPlus Group. As a leading provider of Scottish Debt Solutions, having the support and guidance of MoneyPlus has managed to help us improve our overall debt services structure and client journey.

“We are always looking at ways to improve our services and activities and we see the collaboration as a huge step forward by working hand in hand with like-minded organisations, and we look forward to the next phase of our ambitious growth plans in partnership with MoneyPlus Group and their network.”


MoneyPlus Advice is a trading style of MoneyPlus Group Limited, which offers financial and legal services designed to help people save money and live better. MoneyPlus Advice is a commercial debt management provider, and does not receive referral fees for passing customers to alternative providers.

Launched in 1996, the Manchester-based firm (previously known as Chiltern) has since diversified and grown to support tens of thousands of customers across its Advice and Legal services, which are available to those living in England, Scotland and Wales. It’s financial arm, MoneyPlus Advice, gained full FCA approval in 2016, and became one of the first commercial debt advice companies to do so.

Group CEO, Chris Davis, has led the firm since its inception, recently helping to secure a £60m investment from private equity firm Intriva Capital.