Business Details
39 Years
experience
Trusted Free Debt Advice Services in the UK
We are a trusted debt advice charity with over 30 years of experience supporting individuals facing financial difficulties. Our mission is to provide free, impartial, and confidential guidance to help people manage debt, understand their options, and regain control of their finances. Regulated by the Financial Conduct Authority, we combine expert knowledge with compassionate support, offering tailored solutions through phone, webchat, and our online tool My Money Steps. Our team of trained advisers delivers high-quality advice grounded in a deep understanding of debt management challenges.With a proven track record of assisting over 100,000 people annually, we maintain strict confidentiality and adhere to rigorous professional standards. Our services operate under the Matrix Standard accreditation, ensuring consistent quality in our guidance. We prioritise client needs by offering flexible support methods, including anonymous consultations and 24/7 digital access. Through ongoing training and a commitment to transparency, we ensure our advice remains both authoritative and accessible to all.
Services
Debt solutions
Bailiff support
Creditor negotiations
Credit score advice
Court action guidance
Cost of living support
Insolvency information
Housing debt advice
Budget planning
Financial education
Details
- Year established: 1987
Highlights and features
- We have over 30 years of experience in debt advice and financial guidance
- Our services are regulated by the Financial Conduct Authority for quality assurance
- All advice and support are completely free of charge
- We offer tailored debt solutions based on individual circumstances
- Our confidential services maintain strict client privacy and anonymity
Associations and certifications
- Financial Conduct Authority
- Matrix Standard
What people say
Sympathetic and understanding
Changed my life
Clear advice
Knowledgeable and patient
Helped out of dark place
Services
Debt solutions
We provide expert guidance on debt solutions tailored to individual circumstances. Our trained advisers help clients understand options like debt management plans, individual voluntary arrangements, and bankruptcy. With over 30 years of experience, we ensure clients receive impartial advice that meets their specific needs while maintaining strict confidentiality.
Bailiff support
Our specialists offer practical guidance for dealing with bailiffs and enforcement agents. We explain your rights, help challenge unlawful actions, and provide strategies to manage enforcement situations. Our advisers have extensive experience in this area and can help you understand how to protect your assets while complying with legal requirements.
Creditor negotiations
We assist clients in communicating with creditors to achieve manageable repayment terms. Our team provides sample letters, negotiation strategies, and direct support to help reduce pressure from creditors. With our expertise, clients can explore options like payment holidays or reduced settlements while maintaining professional communication standards.
Credit score advice
Our advisers provide clear information about credit scores and how to improve them. We explain factors affecting credit ratings, help interpret credit reports, and offer practical steps to rebuild creditworthiness. Our guidance is based on current financial regulations and industry best practices to ensure accurate, actionable advice.
Court action guidance
We offer comprehensive support for debt-related court proceedings. Our team explains legal processes, helps prepare documentation, and provides strategies for responding to court actions. With our expertise in debt law and procedural requirements, we help clients navigate complex legal situations while protecting their rights and interests.
People
Money Advice Trust
Parent Organisation
The Money Advice Trust is a registered charity that operates National Debtline. With over 30 years' experience, they provide expert debt advice and financial education across the UK through various services and partnerships.
Questions
Is National Debtline's advice really free?
Yes, all our debt advice and support services are completely free. We are a charity funded through grants and donations, ensuring our impartial guidance remains accessible to everyone.
How quickly can I get debt advice?
You can access immediate help through our 24/7 online tool My Money Steps. For phone or webchat support, our advisers are available Monday-Friday 9am-8pm and Saturday 9:30am-1pm.
Will using your service affect my credit rating?
We provide impartial advice about all debt solutions, including those that may impact credit ratings. Our advisers help you understand potential consequences and choose the most appropriate option for your situation.
Can you help with debts in Scotland?
Yes, we offer debt advice for residents across the UK, including Scotland. Our advisers understand the different debt solutions available under Scottish law and can provide appropriate guidance.
How long does a debt advice session take?
Phone consultations typically last 30-60 minutes, depending on your circumstances. Our online tool provides immediate advice at your own pace, while webchat sessions vary based on complexity.
Is my information kept confidential?
Yes, we maintain strict confidentiality. We won't share your details with anyone without permission, and our calls come from hidden numbers to protect your privacy.
