We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
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Free advice on problem debt
based on what's best for you

0800 138 1111 Freephone (including all mobiles)


Now youve had our free debt advice...

Getting in touch with us

If you're a client and would like to speak to an advisor, here are our contact numbers.

Five questions we're asked every day

 All of our clients are individuals, all with their own concerns and questions. However there are five questions we get asked more than any others...

You told me to open a 'basic' bank account. How do I do this?

Keep your money safe - open a new basic bank account.

You told me to make reduced payments. What happens now?

You need to use your budget and list of creditors (pages 4 and 5 of your personal action plan) and the example letter (in the resources section of your personal action plan) to offer reduced payments to your creditors

Your creditors will contact you when you're make reduced payments to them. It doesn't matter whether you're making payments yourself or you've got a plan with us.

I've got a default notice. What do I need to do?

You'll get one of these from each of your creditors at some point. Find out what you need to do with your default notices.

I've got a letter from a collection agency. What does this mean?

If you’ve received a letter from a company you’ve not previously been in touch with it can be worrying. Find out what to do if you get a letter from a debt collection agency.

A lot of people get mixed up between a debt collector and a bailiff. Put your mind at rest with the differences between a debt collector and a bailiff.

How do I stop a payday loan company taking money from my bank account?

Stop a payday loan company taking money from your account by cancelling your continuous payment authority (CPA).

 

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Got some good news?

No matter how small the success, it's brilliant news!

Write a quick review and inspire people who are thinking about taking the first steps to becoming debt free. 

Has your situation improved?

If we previously told you that you had no money to repay your debts but your situation has improved since then, this could change the advice we originally gave you. Examples of things that can change include a reduction in your spending or an increase in the amount you're earning.

Use our budget improvement checker to see where you stand now that your finances have improved.

Have you heard about MoneyAware?

Our MoneyAware team work tirelessly to provide you with:

  • The best in money saving tips
  • News that affects you and your finances  

Why not sign up to their monthly email? You'll get articles like:

Find out what else they’ve been talking about or meet the MoneyAware team.

Have we recommended a debt solution for you?

Quick ways to boost your budget

Claim extra benefits - every year people in the UK miss out on £10 billion. Make sure you're getting everything you're entitled to. 

Reduce your fuel bills: with energy prices on the increase check you're getting the best deal on your gas and electricity.

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Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2016