Struggling with debt?

Help when you need it

Are you finding it difficult to stay on top of loans, credit cards, overdrafts and household bills? Don't struggle alone.

Check out your options with our Solution Finder, or talk to us on 0800 505 3848 and we can advise you on the best way forward.

Frequently Asked Questions

What happens when I fill in the solution finder?

The solution finder is a quick and easy way of finding out which debt solutions could help you. Things like how much debt you have, where you live and whether you're a homeowner give us an idea of what kind of help you need.

Do remember that the solution finder is just a guide, though. There are many things that can affect whether a certain debt solution could help you. Shortly after you've completed the solution finder, we'll give you a call to discuss your options.

Can you help me with my lenders?

When you're struggling with debt, letters and calls from lenders can be very stressful. We'll do everything we can to stop this by helping you come to an agreement that keeps both you and your lenders happy.

While you're with us, we'll take care of all communication with your lenders, giving you one less thing to worry about.

We can't guarantee your lenders won't get in touch, but it should be much less likely once an agreement is in place.

My debts are completely unaffordable. Can you still help?

Yes. We provide debt solutions to deal with all levels of debt, even if you don't think you'll ever be able to repay everything you owe.

Some people automatically think of bankruptcy when their debts become unaffordable, but there are other options, such as a Trust Deed. Talk to us on 0800 505 3848 and we'll let you know which solutions could help.

What help is available once my debt solution has started?

If you arrange a debt solution with us, you'll benefit from ongoing help from our debt advisers. If you have any questions or concerns, all you have to do is give us a call. We'll also be in touch regularly to make sure your solution is still working well for you, and that it remains the right solution any time your situation changes.

Can you help me if I'm unemployed?

There are debt solutions that can help people who are unemployed or unable to work. Call us on 0800 505 3848 and we'll talk you through your options.

What if I change my mind about my debt solution?

There is no obligation to enter any debt solution with us. If you do, there is a 14-day cancellation period, during which time you can end the agreement and get back any initial fees you've paid.

You may still be able to end an agreement after those 14 days, although you wouldn't receive a refund.