Ashish NandaPartner
Debt settlement programs
LInkedIn Profile

Ashish Nanda is the Founder and Managing Director of Innovations Group established in 1994.  A Dubai-based business conglomerate involved in diversified industries and outsourcing services with over 7,500 employees and serving leading corporates and banks in the Middle East.  Clients include Emaar, Majid Al Futtaim, Amazon, Huawei, Citibank, First Gulf Bank, ADIB, Mashreq, Etisalat and Du.

His business spectrum currently includes the following industries:
Manpower Outsourcing, IT Consultancy,  Insurance & Financial Services , Debt Collection & Credit Control, Marine Engineering, Construction & Real Estate, Consumer Marketing, Payroll & Telephony Solutions.

A result-driven, self-motivated person with a proven ability to develop managment teams to maximise profitability and efficiency

A Chartered Accountant by profession, Ashish holds a merit degree from the Institute of Chartered Accountants of India (ICIA). His expertise and experience of 25+ years in the field of financial products and services have led the company to grow manifold over the last two decades.

In early 90s, Ashish was associated with Emirates Bank International and was involved in establishing relationship with business houses and recommending credit approval for corporate loans.  He was also instrumental in formalising Credit Policy for Citibank India and also managed Retail Credit and Collections.

how can we help you?

Contact us today to find your freedom from debt.

contacts

Anwar Ali Khan

Jaya is someone who goes beyond numbers and spreadsheets. When you deal with Jaya, you are not just another number. She takes a personal interest in your unique situation, and not only guides you but also holds your hand till such time that an acceptable solution is found. One never feels rushed when dealing with her. She has an excellent understanding of the field and has an outstanding ability to explain things. Therefore, I would recommend Jaya and her services wholeheartedly.

Managing Director & CEO

Adsum Capital Limited

FREED Financial Services LLC
2020-01-11T04:23:14+00:00

Managing Director & CEO

Adsum Capital Limited

Jaya is someone who goes beyond numbers and spreadsheets. When you deal with Jaya, you are not just another number. She takes a personal interest in your unique situation, and not only guides you but also holds your hand till such time that an acceptable solution is found. One never feels rushed when dealing with her. She has an excellent understanding of the field and has an outstanding ability to explain things. Therefore, I would recommend Jaya and her services wholeheartedly.

Dinesh Bhasin

Like many others, I had invested in an off-plan project which did not see the light of construction for over 8 years and I was making interest-only repayments to the bank. I had exhausted all my options to negotiate with the developer for a refund.

Coincidentally, I met Jaya who helped me explore some exit options. The clarity in which all the options were presented and which one best suited my problem, was very impressive. Jaya has a detailed understanding of the Real Estate market and with her exposure to banking and debt management framework makes her advice invaluable. I strongly recommend using her services, if you are looking to find your Freedom from mortgage debt.

Group CFO

Tiger Steel Engineering L.L.C

FREED Financial Services LLC
2020-01-11T04:23:54+00:00

Group CFO

Tiger Steel Engineering L.L.C

Like many others, I had invested in an off-plan project which did not see the light of construction for over 8 years and I was making interest-only repayments to the bank. I had exhausted all my options to negotiate with the developer for a refund. Coincidentally, I met Jaya who helped me explore some exit options. The clarity in which all the options were presented and which one best suited my problem, was very impressive. Jaya has a detailed understanding of the Real Estate market and with her exposure to banking and debt management framework makes her advice invaluable. I strongly recommend using her services, if you are looking to find your Freedom from mortgage debt.

Farhad N

They provided the best Consultancy Services for me to close my Mortgage Final Settlement
with Bank. They resolved a Dispute between me and a Bank in the UAE which no one else
was able to do or even talk about the possible solutions over the last decade. Well, Done to
Mrs. Jaya, Mr. Atif and their Professional Team.
FREED Financial Services LLC
2026-04-10T10:08:09+00:00
They provided the best Consultancy Services for me to close my Mortgage Final Settlement with Bank. They resolved a Dispute between me and a Bank in the UAE which no one else was able to do or even talk about the possible solutions over the last decade. Well, Done to Mrs. Jaya, Mr. Atif and their Professional Team.

Guldeep Singh

Jaya from Freed Financial Services helped 'Free' us from various
financial matters. Her experience brings valuable contribution to her
clients. She understands the problem, comes up with a practical solution
and executes on the same very expeditiously. I recommend her to
anyone who wants an honest partner to assist with their debt issues.
Thank you Jaya
FREED Financial Services LLC
2026-04-10T09:41:45+00:00
Jaya from Freed Financial Services helped 'Free' us from various financial matters. Her experience brings valuable contribution to her clients. She understands the problem, comes up with a practical solution and executes on the same very expeditiously. I recommend her to anyone who wants an honest partner to assist with their debt issues. Thank you Jaya

Pawan Kumar

Just like many others Covid -19 greatly affected my business and made it very difficult to cope up with the Mortgage payments. A friend referred me to Jaya Ratnani @Freed Financial services, which was a blessing in disguise. I was never rushed during my conversations and was assisted to restructure both my Home loans with the bank. The team is very professional who understands the
Mortgage business and I highly recommend them if you are looking Debt management services
FREED Financial Services LLC
2021-11-27T17:01:47+00:00
Just like many others Covid -19 greatly affected my business and made it very difficult to cope up with the Mortgage payments. A friend referred me to Jaya Ratnani @Freed Financial services, which was a blessing in disguise. I was never rushed during my conversations and was assisted to restructure both my Home loans with the bank. The team is very professional who understands the Mortgage business and I highly recommend them if you are looking Debt management services

Khaled Halwani

I had a good experience with FREED Financial Services LLC. They expertly handled my
mortgage settlement process, working seamlessly with the bank and finding a buyer for my
property. Jaya was dedicated and made the entire transaction possible when it was
becoming much more complicated and out of reach. I highly recommend their services to
anyone in need of mortgage assistance and settlement
FREED Financial Services LLC
2026-04-10T09:52:24+00:00
I had a good experience with FREED Financial Services LLC. They expertly handled my mortgage settlement process, working seamlessly with the bank and finding a buyer for my property. Jaya was dedicated and made the entire transaction possible when it was becoming much more complicated and out of reach. I highly recommend their services to anyone in need of mortgage assistance and settlement

Vikram Aditya

I had Indeed a very professional approach towards settling the issues with banks as well as the approach to see an overall picture of my current situation which helped to overcome with some other liabilities as well. Would highly recommend to deal with the Team Jaya and Sana incase facing with issues with bank or any other financial institutions. Nothing matters the price when you need the Peace of Mind
FREED Financial Services LLC
2021-11-27T17:04:53+00:00
I had Indeed a very professional approach towards settling the issues with banks as well as the approach to see an overall picture of my current situation which helped to overcome with some other liabilities as well. Would highly recommend to deal with the Team Jaya and Sana incase facing with issues with bank or any other financial institutions. Nothing matters the price when you need the Peace of Mind

Ritesh Chopra

I embarked on setting up my own business which was daunting after leaving a well-paying job in the banking industry. This meant that I was now getting a variable income, whereas my expenses were still fixed. A large component of that was my mortgage, which put pressure on my savings.

Luckily I met Jaya who intently heard my background and with her in-depth knowledge of the bank’s credit policy, helped me effectively restructure my mortgage with the bank and lighten the load on my expenses. Jaya- I am truly grateful for your expert advice and would gladly recommend you to others who are in the same predicament as I was.

Vice president

Gargash Insurance

FREED Financial Services LLC
2020-01-17T05:04:06+00:00

Vice president

Gargash Insurance

I embarked on setting up my own business which was daunting after leaving a well-paying job in the banking industry. This meant that I was now getting a variable income, whereas my expenses were still fixed. A large component of that was my mortgage, which put pressure on my savings. Luckily I met Jaya who intently heard my background and with her in-depth knowledge of the bank’s credit policy, helped me effectively restructure my mortgage with the bank and lighten the load on my expenses. Jaya- I am truly grateful for your expert advice and would gladly recommend you to others who are in the same predicament as I was.

Sapnaa Mirchandani

It was when my husband left his job due to reasons beyond his control, we were left with a mortgage that we could no longer afford. When we tried to sell the villa, the market wasn't very forgiving and as a result, there was a shortfall in the money owed to the bank.

We met Jaya at that point of time and she came in as an angel. We managed to sell the property and were able to arrange the now-reduced shortfall based on our credit history and real circumstances. The loan closure was smooth under Jaya's reassuring eye. Jaya's helpful attitude confirms her team will be the same - supportive and compassionate to those in need. If we were ever in such a situation again, I would look no further. Neither should you.

Associate Director

Jardine Lloyd Thompson Asia

FREED Financial Services LLC
2020-01-11T04:22:12+00:00

Associate Director

Jardine Lloyd Thompson Asia

It was when my husband left his job due to reasons beyond his control, we were left with a mortgage that we could no longer afford. When we tried to sell the villa, the market wasn't very forgiving and as a result, there was a shortfall in the money owed to the bank. We met Jaya at that point of time and she came in as an angel. We managed to sell the property and were able to arrange the now-reduced shortfall based on our credit history and real circumstances. The loan closure was smooth under Jaya's reassuring eye. Jaya's helpful attitude confirms her team will be the same - supportive and compassionate to those in need. If we were ever in such a situation again, I would look no further. Neither should you.

Benjamin Paulley

I can never even begin to express the magnitude of my gratitude and professional respect; I hold for Ms Jaya and the team at Freed Financial. Jaya went above and beyond in every aspect of saving my home from the banks... giving me the opportunity to sell it, on my terms, à and in my time frame.
Thank you Jaya and God bless you.
FREED Financial Services LLC
2026-04-10T09:29:57+00:00
I can never even begin to express the magnitude of my gratitude and professional respect; I hold for Ms Jaya and the team at Freed Financial. Jaya went above and beyond in every aspect of saving my home from the banks... giving me the opportunity to sell it, on my terms, à and in my time frame. Thank you Jaya and God bless you.

Abdul Mansoor

I was with no job and was stuck with the mortgage debt, I didn’t find way out till I met Atif and
Jaya who helped me in settling my home mortgage. They pulled me out from hell fire, bank
was chasing me and I had to avoid their calls and emails because I didn’t know what to tell
them. Now I’m free from debt. I strongly recommend Freed Financial Services, they are the
best professionals I ever met as they know their job and can help anyone who is struggling
with any bank.
Thank you Freed once again!!
FREED Financial Services LLC
2026-04-10T10:03:56+00:00
I was with no job and was stuck with the mortgage debt, I didn’t find way out till I met Atif and Jaya who helped me in settling my home mortgage. They pulled me out from hell fire, bank was chasing me and I had to avoid their calls and emails because I didn’t know what to tell them. Now I’m free from debt. I strongly recommend Freed Financial Services, they are the best professionals I ever met as they know their job and can help anyone who is struggling with any bank. Thank you Freed once again!!

Vikram Aditya

I had Indeed a very professional approach towards settling the issues
with banks as well as the approach to see an overall picture of my
current situation which helped to overcome with some other liabilities as
well. Would highly recommend to deal with the Team Jaya and Sana in
case facing with issues with bank or any other financial institutions.
Nothing matters the price when you need the Peace of Mind
FREED Financial Services LLC
2026-04-10T09:46:35+00:00
I had Indeed a very professional approach towards settling the issues with banks as well as the approach to see an overall picture of my current situation which helped to overcome with some other liabilities as well. Would highly recommend to deal with the Team Jaya and Sana in case facing with issues with bank or any other financial institutions. Nothing matters the price when you need the Peace of Mind

Rose Mohammad

We HIGHLY recommend Jaya and her team. They really know their stuff when it comes to
finance and mortgage issues. Their hard work not only lifted a heavy money burden from us
but also saved our home.
They negotiated with the bank and worked out a solution and better mortgage terms for us.
We must add that was not easy at all and our issue was very complicated to the point that
lawyers and other debt management companies were refusing our case.
Jaya and her team always kept us in the loop. We never felt lost or confused because they
told us everything that was happening. Their clear communication and professionalism made
a big difference.
They did an amazing job !!! And most importantly, they delivered outstanding results.
FREED Financial Services LLC
2026-04-10T09:50:34+00:00
We HIGHLY recommend Jaya and her team. They really know their stuff when it comes to finance and mortgage issues. Their hard work not only lifted a heavy money burden from us but also saved our home. They negotiated with the bank and worked out a solution and better mortgage terms for us. We must add that was not easy at all and our issue was very complicated to the point that lawyers and other debt management companies were refusing our case. Jaya and her team always kept us in the loop. We never felt lost or confused because they told us everything that was happening. Their clear communication and professionalism made a big difference. They did an amazing job !!! And most importantly, they delivered outstanding results.

Joseph Iskander

Jaya brings in wealth of experience in debt restructuring, mortgage advisory and above all deep understanding of how to evaluate and recommend the right solution for her clients and stakeholders. She is genuinely helpful, amicable and clear-minded. As a trusted advisor, she takes an appropriate interest in one’s personal life situation while at the same time keeping focused on identified objectives. Honest, reliable, ethical and highly recommended.

CEO

An Asset Management Company

FREED Financial Services LLC
2020-01-24T17:02:30+00:00

CEO

An Asset Management Company

Jaya brings in wealth of experience in debt restructuring, mortgage advisory and above all deep understanding of how to evaluate and recommend the right solution for her clients and stakeholders. She is genuinely helpful, amicable and clear-minded. As a trusted advisor, she takes an appropriate interest in one’s personal life situation while at the same time keeping focused on identified objectives. Honest, reliable, ethical and highly recommended.

Sham Nadham

Working with a financial advisor who genuinely cares about their clients' needs,
situations, and preferences is incredibly refreshing. The way you took
the time to understand the depth of issue where I was at, your breadth of
knowledge, your ability to think outside the box, your follow ups and your
commonsense approach were what truly impressed us. I have complete
faith and respect in your professional, moral, and compassionate
manner, and I will gladly suggest your services whenever I can. This is
the kind of service and guidance most of us have been looking for and
glad that we have met you and confidently we can say now, “ What a
relief”. Thanks again.
FREED Financial Services LLC
2026-04-10T10:00:16+00:00
Working with a financial advisor who genuinely cares about their clients' needs, situations, and preferences is incredibly refreshing. The way you took the time to understand the depth of issue where I was at, your breadth of knowledge, your ability to think outside the box, your follow ups and your commonsense approach were what truly impressed us. I have complete faith and respect in your professional, moral, and compassionate manner, and I will gladly suggest your services whenever I can. This is the kind of service and guidance most of us have been looking for and glad that we have met you and confidently we can say now, “ What a relief”. Thanks again.
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