National Debt Service

Find calm. Find trusted debt help.

A neutral, non-commercial signposting service. Guided pathways to regulated UK debt and mental-health support in three steps or fewer. No data collected. No sales. Just clear next steps.

Find help in three steps

  • Regulated only

    We point only to FCA-regulated debt support and UK-registered charities. No commercial entities.

  • Confidential

    We collect no personal data. No accounts. No tracking.

  • Neutral

    No commercial incentives. No referral fees. No paid placements.

How it works

  1. Discover

    A brief self-check on your situation. No data captured.

  2. Review

    Plain-English guidance on what fits your circumstances. Jargon buster linked.

  3. Connect

    Verified links to regulated charities and government support.

Trusted UK debt support

  • StepChange Debt Charity

    Free, confidential debt advice and debt solutions for people in the UK. One of the largest debt charities in the country, with online advice available 24/7 and a freephone helpline.

    Regulatory status: Financial Conduct Authority (FCA), Firm Reference Number 729047. Charity numbers 1016630 (England and Wales) and SC046263 (Scotland).

    Visit StepChange Debt Charity

  • Citizens Advice

    Free, independent, confidential advice on debt, benefits, housing, employment, and consumer issues. Network of local offices across England and Wales.

    Regulatory status: FCA for debt advice

    • 0800 144 8848 Adviceline, England Free from mobiles and landlines • Mon to Fri 9am to 5pm (not public holidays)
    • 0800 702 2020 Adviceline, Wales Free from mobiles and landlines • Mon to Fri 9am to 5pm (not public holidays)

    Visit Citizens Advice

  • National Debtline

    Free, independent debt advice over the phone and online, run by the Money Advice Trust. Covers England, Wales, and Scotland.

    Regulatory status: FCA for debt advice

    • 0808 808 4000 Free from all phones • Mon to Fri 9am to 8pm, Sat 9:30am to 1pm, Sun closed

    Visit National Debtline

See all UK debt support →

Mental health support

Financial strain can hit hard. Same standards as our debt signposts: regulated, confidential, neutral. Mental-health support is here when you need it.

See mental-health support →