What National Debt Service is here to do

Why this site exists

Before my mental health took a turn, I was financially stable. My credit scores were in the high 900s, and I had no debts other than a mortgage. I managed my finances carefully and without difficulty.

In 2024, I experienced a serious mental health breakdown. During that period, I was unable to work, communicate properly, or manage day-to-day responsibilities. The financial system did not pause. Bills continued, credit was relied upon, and balances increased while I was unwell.

The debt I’m dealing with today is a direct result of that period of illness.

As I began recovery, with support from the NHS, therapy, and men’s mental health groups, I found it difficult to locate clear, trustworthy information in one place. Help existed, but it was fragmented, technical, and often assumed a level of stability I didn’t yet have.

National Debt Service was created to address that gap. It does not replace professional advice or services. Instead, it brings together reliable information and signposts to free, trusted support, so people can orient themselves before taking their next step.

Who runs this site

The site is run independently by a single owner. There are no links to debt management companies, lead generators, marketing agencies or claims firms. The aim is simple: give you a clear starting point without sales pressure.

What changed with this domain

In the past, this domain was used by a different organisation. They were reprimanded by the Advertising Standards Authority (ASA) for misleading people who were searching for debt help.

We are not connected to that organisation. The domain changed ownership after the ASA ruling. This version of National Debt Service is run with a completely different purpose and ethos.

A clear banner at the top of the site explains this history so you can see at a glance that things are different now.

What this site is for

When money worries build up, it can be hard to know where to start. There are lots of websites and adverts promising to “write off” debts or “wipe the slate clean”. That noise can make it harder to think straight.

This site takes a calmer approach. It:

• uses plain English to explain common situations
• brings scattered information into one clear place
• signposts to official and charity services in your country
• highlights mental health and crisis support alongside money help

You stay in control. You choose who to contact and when.

What this site does not do

To be clear about boundaries, this site does not:

• give personal debt or financial advice
• tell you which solution you should choose
• arrange IVAs, DMPs, DROs, Trust Deeds or any other product
• contact creditors, courts or enforcement agents on your behalf
• sell your details or earn commission from links

National Debt Service is not authorised by the Financial Conduct Authority (FCA) and is not a debt management, insolvency or claims firm.

Accessibility and language

Money worries often go hand in hand with stress, anxiety or low mood. When that happens, long or complicated pages can be hard to take in.

This site aims to follow good accessibility practice, including:

• clear headings and short sections
• high colour contrast for text and buttons
• font sizes that are easy to read on mobile and desktop
• links that make sense when read on their own

If something on the site makes it harder to use, please let us know via the contact form.

Questions about how this site works

If you have questions about the banner, the history of the domain, or how your data is handled, you can:

• read the Frequently asked questions
• check the Privacy Policy and Cookies Policy
• contact us using the contact form