Opening Hours: Mon – Fri 9am – 8pm

Debt help for the most common form of debt

Consumer credit includes debt that is owed in the form of: Credit card debt; Doorstep loan debt; Overdraft debt; Personal loan debt; Store card debt; Store finance debt; Weekly payment store debt; Short term loan debt; Catalogue debts; Guarantor loan debts; Hire purchase debts; Logbook loan debt; Car finance debt and Insurance debts.

Debt help tips for tackling consumer credit debt:

    • Know your rights. In the UK, you benefit from some of the toughest consumer protection in the world. Start by reading this Consumer Credit Act guide from Which?.
    • Speak to debt help experts, who’ll be able to provide you with advice tailored to your circumstances.
    • If you have savings, use them to repay your debts.
    • Create an income, debt and expenditure sheet to understand the amount you currently owe, and how much you can afford to repay your creditors moving forward.
    • Assess your outgoings and cut out any unnecessary expenses.

Worried about debts that won't go away?

  • Explore our debt solutions to find out what your options are, or speak with our team for tailored debt help.
  • Check to see whether you’re entitled to any benefits you aren’t currently claiming – this Benefits Check Guide from Money Saving Expert will walk you through the process.
  • There are many myths and misconceptions out there in relation to credit card debt. Begin your debt help journey by educating yourself with our guide to credit card myths.

Ready to seek debt help? Talk with the National Debt Help team on 0800 002 9051.

*An Individual Voluntary Arrangement (‘IVA’) is subject to the customer meeting qualifying criteria and gaining creditor acceptance. Monthly IVA payments include fees and may differ to the example provided, based on the assessment made of your own personal circumstances – these fees will be clearly explained to you in writing by your IVA company. Debt write off amounts are subject to creditor acceptance and vary by individual customer based on their own financial circumstances, and are applied upon successful IVA completion.

Substantiation example, Someone owes £60,000, they pay £100 over 60 months which equals £6000, write off amount would be £54,000 which is 90% of total debt level. Upon submitting your details on this website we will pass your details to one of our approved partners as this website does not give any advice.

Free debt counseling, debt adjusting and credit information services are available from the Money Advice Service.

National Debt Help
How we use cookies   X