About National Debt Service
We are an independent, non-commercial signposting service. The page below explains what that means in practice.
What NDS is
National Debt Service is a signposting layer. We point people in financial distress to free, regulated debt help and mental-health support that already exists in the UK. Every organisation we name has been verified by a human reviewer against the organisation's own materials before it appears on the site.
We exist because the UK has good free debt and mental-health support, but it is scattered across charities, government services, and regulators. NDS is the calm route to the right destination.
Why NDS 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 am 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 did not 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 NDS
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.
What NDS is not
NDS does not give advice. Advice is the regulated activity that the services we point to provide; NDS only explains what those services are and how they apply.
NDS does not collect personal data. The site has no accounts, no forms that capture identifying information, no analytics that profile visitors, and no tracking cookies. The contact channel is a single email address.
NDS does not monetise. There are no advertisements, no affiliate links, no commissions from destination services, no paid placements, and no relationships with creditors or debt-management firms.
NDS is not yet a registered charity. Charity registration is planned for a future phase of the service. Until that registration completes, NDS does not claim charity status anywhere on the rendered site, in any schema, or in any correspondence.
How NDS is funded
NDS is currently self-funded. The site is run on a small fixed cost basis with no revenue from the services it signposts to and no advertising revenue.
When NDS achieves charity status, fundraising will follow the standards set by the Fundraising Regulator and the Charity Commission for England and Wales (or the equivalent regulator for the registering nation). Any future fundraising will be transparent, on this page, and will never depend on user-data collection.
How services are verified
Every organisation NDS points to has been verified against the organisation's own materials within the last review cycle. A human reviewer checks the organisation's name, URL, scope of service, phone number, and regulatory status, and records the verification date alongside the entry in the internal directory.
Re-verification runs on a monthly cadence. If a destination's phone number, opening hours, or regulator changes, the site is updated in the next review. If an organisation loses regulator authorisation, the entry is removed until the situation resolves.