Thirty clean days unlocks an offer. The money goes directly to the debts you list, never to the account that gambled. Fixed APR, fixed term, fixed monthly payment. Anna runs the paperwork.
Most loans you can get the day you ask for them are the worst kind for someone in recovery. The Holdwell loan does the opposite. The unlock date is thirty consecutive clean days. The APR reflects the streak data we already have, not a stale credit bureau number from before you started.
We use Experian for an affordability check, never for the price. You see the offer only after you've actually earned it.
You list the debts. Card balance with Barclaycard. Klarna outstanding. A friend you owe £400. Each one gets paid by us directly when the loan settles. The money never lands in your account because it would be a temptation we don't need to test.
Once it's all paid, your single monthly Holdwell repayment replaces all of them. Anna walks you through the schedule before you sign.
Repayment Hold replaces aggressive collections. If a payment fails or you flag that this month is harder than last, the schedule pauses, Anna books a fifteen- minute session, and we re-plan. Late fees stop accruing during a Hold.
Holds aren't free passes. The principal still has to be repaid and there's a cap on how many holds before we have a different kind of conversation. But the default posture is care, not collections.