Frequently asked questions
How National Debt Service works in practice. If something here is unclear or wrong, email contact@nationaldebtservice.co.uk and the page is updated.
Common questions
Is using National Debt Service free?
Yes. There is no charge for using the site, and there is no charge for the services we signpost to. Free debt advice in the UK is funded by charities, government, and the financial-services levy paid by regulated firms.
Will National Debt Service keep my data or track me?
No. The site has no accounts, no forms that collect identifying information, no analytics that profile visitors, and no tracking cookies. Visiting any page on the site leaves no record tied to you.
Can I trust the organisations you signpost to?
Every organisation is checked by a human reviewer against the organisation's own materials, the relevant regulator listing, and its current scope of service before it appears on the site. The check is repeated on a monthly cadence, and any organisation that loses regulator authorisation is removed until the situation resolves.
What if a phone number, opening hours, or link on the site is wrong?
Email contact@nationaldebtservice.co.uk with the page and the detail that looks wrong. The entry is checked against the source in the next monthly review and corrected if needed.
What if my situation isn't covered by anything on the site?
The four free national services on the site (StepChange, Citizens Advice, National Debtline, MoneyHelper) cover broad debt-help ground between them and will signpost on to specialist help when a case needs it. Specialist regional and identity-specific routes are listed under "Get help" for cases the national services do not handle directly.
Can I contact National Debt Service directly?
One channel: email contact@nationaldebtservice.co.uk. There is no phone line, no live chat, and no account system. The email is for site issues, factual corrections, and accessibility feedback only; it is not a route to debt advice.
Why is there no app?
An app would need accounts, push notifications, and on-device storage, all of which conflict with the no-data and no-tracking rule the site is built on. The site is intentionally light so any UK phone can load it without an install.
Why is there no live chat or phone line?
National Debt Service does not give advice and does not manage cases. Live channels would imply both. The single email address handles only the operational and accessibility issues a signposting site has.
Does the site work outside the UK?
Information on the site applies to UK debt and benefits law, and the organisations on the site operate in the UK only. People outside the UK should look for the equivalent national debt-help and consumer-protection bodies for their own country.