Debt

Debt Management & Advice
View our complete list of Debt Management & Advice services for assistance with debt issues. You can find help with Individual Voluntary Arrangements (IVAs), Debt Management Plans (DMPs) and Bankruptcy.

Homeowner / Secured Loans
In some circumstances, a secured loan may be the best option for consolidating / managing debt and reducing monthly outgoings. Secured loans are only available to homeowners as the debt is secured against property.

Credit Report / Status
Your credit score / status is an important measure of your overall financial status. Be sure to view our list of credit reference agencies that provide credit reports / scores, identity theft protection and other useful services.

Debt Resources

Advice Guide Debt resources and advice from the Citizens Advice Bureau.	Directgov: Managing Debt Debts and arrears, court claims and bankruptcy and how to plan your way out of debt.
ClearStart Consumer Debt Service Clear Start is a national organisation set up to provide free support to help people with serious debt problems.	checkmyfile: Debt Advice Centre Plain speaking expert advice - based on your circumstances.
FSA: Money Made Clear Debt Test The debt test was developed jointly by the BBC, the UK watchdog for the financial services industry the Financial Services Authority (FSA), and Experian.	Directgov: What happens when you become bankrupt? Information about bankruptcy from the government.
CCCS CCCS is a charity dedicated to providing confidential, free counselling and money management assistance to financially distressed families and individuals.	iva.co.uk The definitive guide to IVAs - Individual Voluntary Arrangements.
Trapped.co.uk: Debt Management Help From debt management plans to IVAs and consolidation loans, Trapped.co.uk are the people to talk to if you need debt help.	National Debtline The helpline that provides free confidential and independent advice on how to deal with debt problems.
uSwitch: Debt Advice Centre Practical help and advice on dealing with debt, understanding how to avoid debt and managing your money.	Community Legal Service Direct Free, confidential and independent legal advice.
Personal Injury Claims If you have been injured through no fault of your own, contact the National Accident Helpline and see if you could claim 100% compensation.	The UK Insolvency Helpline The UK Debt Help & Insolvency Helpline is the UK’s first fully interactive online resource which enables all types of commercial entities and individuals the opportunity to have direct access to the UK’s most skilled professional advice on all debt and insolvency issues.

Useful Debt Related Web Sites If you would like to suggest a web site please contact us.
Financial Services Authority (FSA) Regulator of all providers of financial services in the UK; Bank of England retains responsibility for systemic risk. Credit Action Credit Action became an independent charity in 1992 with a vision of helping people avoid the pain that debt and the mismanagement of personal finances can cause. Office of Fair Trading (OFT) (Gov) Enforces consumer protection law and competition law, reviews proposed mergers and conducts market studies.	Consumer Credit Act 1974 The Consumer Credit Act 1974 regulates consumer credit and consumer hire agreements for amounts up to £25,000. Banking Code The role of the BCSB is to monitor compliance with and enforce the Banking Codes and to ensure subscribers provide a fair deal to their personal and small business customers. Money Advice Trust The Money Advice Trust works with its partners to make sure people with debt problems have access to the money advice they need.	Citizens Advice Bureau The Citizens Advice service helps people resolve their legal, money and other problems by providing free, independent and confidential advice, and by influencing policymakers. FSA: Money Made Clear Impartial information from the FSA.

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