Please fill in your details to receive a call



I had significant borrowings with a bank, which at the time were more than willing to provide me with the funds; they also went as far as to advise me to invest in the property market at the time. Then the market crash and the bank demanded their money back. I was left with large debts and no way of paying them off. This started as what I can only describe as “torture for the next 6 years”. I was under constant pressure from the bank, with my only one option- to lose everything.

Fortunately, I came into contact with Terry Bell from Bell and Company, whom from day one, gave me assurance and comfort that there was in fact a way out and everything way going to be okay. I instructed Terry to act on my behalf, thus relieving me of the pressure that has weighed me down for so long. Bell and Company then entered into negotiations with the bank with a goal to benefit both parties. The Bell and Company team successfully negotiated a settlement with the bank and I can now return to running my business.

I cannot thank Bell and Company enough for their dedication and commitment to seeing this difficult case through to a satisfactory conclusion.


Co Antrim

I would like thank you for everything that you have accomplished for my wife and I over the last few months & your professional approach to this difficult situation- well done! We can now get our lives back on track & plan for the future.


Co Down

To the team at BellComp


I just wanted to take the opportunity to drop you all a note as this month marks a year since we moved into our new home. Although for the majority this wouldn’t mean much, to us it is a milestone. A few years back we wouldn’t have believed that we would ever be in a position to own our dream home. In our early twenties we worked hard to save a deposit and bought our first house, it wasn’t what we had wanted but like any other young couple at the time we kept being outbid on any property we loved. We believed that we were doing the right thing with the thoughts ‘you cannot lose money in property’ and it was sensible to ‘get on the property ladder’ our new mottos in life.


We happily moved in to our first home on the 01/05/2007 but within 8 weeks our property had decreased in value by tens of thousands. Within a year we were in negative equity of over £100k and growing as the months drew on. Both of us worked long hours paying our mortgage every month and kept our heads up believing someday things would change again. Fast forward a few years and it was clear this was not going to be the case I still remember the sinking realisation that at the end of the mortgage term the bank were going to be looking the £165k mortgage repaid even though the property was worth £50k. We then received another letter to say that the interest on the mortgage was being increased … again … and there was nothing we could do about it as we were in negative equity. This meant we were paying nearly £1000 per month and not one penny of that was paying off the £165k we had borrowed in the first place as it was interest only. The bank simply did not care or want to talk to us.


It was a living nightmare … then I met Helen at a networking event who spoke about the services Bellcomp offered. I immediately left and mentioned it to a financial advisor friend who sang the praises of Terry and his team and introduced me to Terry directly. What can I say, things took a dramatic turn for the better for us from then. Terry Bell took the time to come and meet me, he was kind and understanding. He made me come to terms with the fact that the recession was out of my control and that we actually had options. He probably doesn’t even realise how much of a positive impact he had. From then on things just became easy. Rado dealt with our case and he was simply amazing. Negative equity and shortfall sales were all a bit of a taboo subject and many a person said how this was a load of nonsense and a scam however not once did my confidence in them falter, Rado was always providing advice and updates. If at any stage I became worried about what I should do next, a two minute call to Rado had my mind at ease and he just took control. I knew that nomatter the outcome they had our best intentions at the forefront.

Although it was, of course over a period of time, it was as simple as

  1. Sell the house
  2. Let Bellcomp do the rest


Subsequently, I built an amazing relationship with Jess, William, who are absolute experts in their fields, and the rest of the team at Bellcomp, I cannot hold you all in higher regard.

It felt important that a year after buying our new home, that I reflected back and took the time to thank you all.

It has been an honour to watch your business grow as you deserve every success. Terry and Amanda have absolutely created a genuinely amazing team providing options for all. Very often a company mission statement or published goal does not reflect the true outcomes or ethos of a business however coming across the below on your website I can honestly say there isn’t a truer word spoken.

“As a Team, we strive to provide a first class, second to none service, achieving outstanding results thus leading both individuals & businesses to the realisation that there is always an option. We stand by you through good and bad times, with honesty, integrity and a sense of shared values.”

Thanks again for all the hard work you put in and it is great to see you helping so many individuals and businesses.



Thanks a million James, hopefully I won’t ever need your help again but if I ever do, I will not hesitate to contact you or recommend you to anybody else in trouble.

I wish you and your father, and the entire company all the best in the future.

Thanks again, I will never forget what you have done for me.

O.M & R.R

Co Fermanagh

Hello Helen,

Thank you for all your help and understanding and patience with our trying project.

I realise it is what you do for a living, but Terry and yourself have greatly helped our families to get through this mess and we very much appreciate what you have done and continue to do to resolve it.

Thanks again and all the best.

T.M & MMcD

Co Derry/Londonderry

“I have referred in excess of 30 of my clients to Bell and Co. The main point is they only charge an engagement fee and no hidden costs. The client knows what to expect from the start. They have been able to obtain excellent settlements.”

“I have had all the stress and hassle of dealing with lenders taken from me by Bell and Co. It’s great to have someone on your side.”


Co Down

We wanted to sell our home but like so many others it was in negative equity. We contacted Bell and Company, who offered clear, precise and professional advice. After our first meeting, we made the decision to appoint Bell and company to act on our behalf. They took control of the situation and went into negotiations with our mortgage lender, providing us with regular updates. They successfully negotiated with our mortgage company to release us with minimal repayments, enabling us to sell our home and move on with our future. We found Bell and Company straight talking, pro-active and professional and I would recommend anyone in our position to contact them

R. McP


“From our first point of contract, Bell & Co provided a professional and informed service. Their attention to detail and knowledge of current financial affairs specific to our negative equity situation gave my wife and I the confidence and assurance to proceed with the process under their expert guidance. Bell and Company handled all direct contact with our lenders, therefore removing all the stress involved with discussing and negotiating our financial circumstances.

We put a lot of trust in their advice and carried out the process as instructed. We really did appreciate the regular contact as any questions or concerns we had along the way were swiftly answered by phone or e-mail. The resulting settlement fully removed all the suffocating financial restraints and emotional pressure, allowing us to move on with our lives.

We would recommend Bell and Company to anyone in a similar situation looking to resolve the issues, strains and stress that negative equity brings”



Over the last 4 years Bell and Company have been advising us on our financial affairs and they have always been thoughtful and insightful with regards to our needs and objectives. Their guidance has been sound and in today’s challenging economic conditions that have been hugely valuable. They have always acted in a manner which is driven by a desire to serve our best interests and we trust their judgement unreservedly. Due entirely to the ongoing recession, things haven’t worked out financially for us as we have anticipated and Bell and Company have worked closely with us through several difficult situations without any fall-outs with lenders . We would have no hesitation in recommending Bell and Company to others who require a guiding hand out of challenging financial difficulties.


Co Antrim

I would just like to thank Terry Bell and Jessica Cullen for their immediate action during a very depressing time in my life, a few months ago.

I really don’t know how to thank everyone concerned but without you all I would have ended up in a sorry state.

E. G

Co Down

Our daughter purchased a house with her then partner approximately 10 years ago.  Unfortunately, the relationship broke up a short time later just before the collapse of the property market and they were left with a house in negative equity.

The house was let for a short time and then became vacant for several years.  It was hoped that the property market would improve and the house could be sold but this did not happen.

Her ex-partner continued to pay the mortgage but it was becoming a financial burden and something had to be done.

Through a friend, my husband heard about Bell & Company.  We contacted them and, after a very positive initial interview, they took on our case.

The whole process took some time although over a year was spent trying to sell the house.

Eventually, the house was sold but we were left with a shortfall of £105,000.00.  Bell & Company negotiated with the bank concerned and managed to obtain a settlement of £21,500.00.

A successful outcome was achieved and allowed two young people to each move on with their lives.

Bell and Company were always very helpful and pleasant to deal with and we remain extremely grateful to them.

Mrs A S

Comber, Co Down


Why not read some of our latest client success stories to see how we have helped hundreds of people navigate out of corporate and personal debt across Europe.

Bell and Company Favicon
Mammoth overall savings of 92%!
December 20, 2017 | 0 Comments

Our client approached us with a crystalized debt of over £150,000, owed to a huge banking institution in the Republic of Ireland. The client had not had any contact with the said lender for almost 5 years and had relocated to England to pursue new ventures. Out of nowhere, he received letters from the bank,…

Read More
Bell & Company prove benefits of great business relationships
December 20, 2017 | 0 Comments

Bell & Company were recently able to assist a young couple with 2 young children facing eviction from the family home. Bell & Company were appointed and approached the lender seeking a consensual sale, which was accepted by the lender. In this instance, Bell & Company achieved savings of around £105,000, after the agreed open…

Read More
First-time investor left with large shortfall
November 10, 2017 | 0 Comments

Bell & Company were contacted by a gentleman who had been left in negative equity on his home. This was the gentleman’s first time investing in property, and unfortunately, just took out a mortgage at simply the wrong time, and had the possibility of insolvency looming over him. At Bell and Company, over our years…

Read More
'Buy-to-Let' property stress
November 10, 2017 | 0 Comments

Bell & Company finalise successful negotiations on a buy-to-let property. An older couple based in England approached our company regarding a property they had bought to rent as a holiday home in the south of the country. The lender was known to be notoriously difficult to deal with, so this was an ongoing battle between the…

Read More
Eager couple caught in the property crash
November 9, 2017 | 0 Comments

A young  and eager couple were desperate to get themselves on the property market, seeking to invest. Unfortunately, for the eager couple, this was just before the property crash of 2008. The couple found themselves falling victim to a shortfall of just under 100,000 pounds, on one of their buy-to-let properties. With the help of…

Read More
A couple helped out of huge shortfall after their seperation
October 31, 2017 | 0 Comments

A former couple had been under the weight of a huge shortfall of over £105,000. They were both trying to move on with their individual lives, but, this lender, in particular, remained unsympathetic to their situation. After a number of weeks negotiating, the lender placed the file on hold for a year, hoping for a…

Read More
The dangers of interest-only mortgages
October 18, 2017 | 0 Comments

Have you been enticed by an interest-only loan or mortgage? An interest-only mortgage may initially seem like a brilliant prospect when you decide to buy a house; an interest-only period where you only pay back the interest of your loan rather than what you’ve actually borrowed is an attractive option for many. Lower monthly repayments…

Read More
English 'buy to let' case settled within 5 months
October 12, 2017 | 0 Comments

A young man based in England approached our company regarding an unsustainable ‘buy to let’ property he owned. After weighing up his options, he decided after much deliberation to surrender the property back to the lender. Thankfully the property sold quickly and left a shortfall of just over £30,000. This shortfall is deemed as a…

Read More
Finance professional avoids Bankruptcy
October 12, 2017 | 0 Comments

Bell and Company recently assisted a professional to avoid Bankruptcy Our client, who happened to be a professional in the field of finance, unfortunately, fell victim to the property crash, which saw them left with a shortfall of over £110,000. They decided to surrender the property back to the lender as arrears and liability continued…

Read More
A young couple caught up in the Recession
October 12, 2017 | 0 Comments

A young couple found themselves caught up in the financial downturn of 2007, have a look at their journey to success. The couple had made investments into 3 rental properties across different lenders, along with having a mortgage on their own home. After the downturn in the market in 2007, they found themselves with 4…

Read More

We offer a completely free, no obligation initial consultation