Get help now
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).
Advisor at StepChange

How to contact us

 

You can still get free, impartial debt advice over the phone. Call us for FREE on 0800 138 1111 (Monday-Friday, 8am-8pm, Saturday 8am-4pm). Our services, including the delivery of post into the charity and the processing of cheques, are currently running as normal.

There are different ways to get in touch depending on whether you're new to us, already with us, or on a debt solution. Here are the contact details you need...

If you'd like to know about our call costs, find out how much it costs to call us.

 Get help now with webchat

Our webchat offers guidance and information to help you with general queries. Our support team is available Monday-Friday 8am-8pm (except bank holidays) and Saturday 9am-2pm.
We recommend using this service on a desktop or tablet device.

How to contact us if you're new to us

Get expert debt advice

Need debt advice? Our online debt advice tool is available a time that suits you. Don't forget to use our budget form to gather information before starting your debt advice session, either online or over the phone with one of our advisors.

A debt advice call takes around 40 minutes to complete, however, please be aware that we are currently operating at reduced capacity, so you may experience a delay when you call us.


If a creditor has told you to call us for a reference number, please be aware that you must complete a full debt advice session to receive this.


  •  0800 138 1111
  •  Monday to Friday 8am to 8pm and Saturday 8am to 4pm
  •    

Self-employed? We recommend you contact Business Debtline (England, Wales and Scotland) or Advice NI (Northern Ireland) for free and impartial advice service. Use our online self-employed income calculator.



Received a ‘persistent debt’ letter? If you're up-to-date with payments towards your debts and household bills and have received a persistent debt letter from your creditor, we can help you. You can get persistent debt advice online or give us a call. Please be aware that we are currently operating at reduced capacity, so you may experience a delay when you call us.


How to contact us if you're a current client

Debt management plan (DMP) or token payment plan (TPP)

If you're seriously affected by coronavirus, find out how we can help you with your DMP or TPP here.


If you need to contact us about activating your DMP, or if you’re on a DMP and need to adjust your monthly payment, please email us at client.service@stepchange.orgTo help us to process your request promptly, please only send one email. We may take up to 48 hours to reply to you. If you still haven't received a reply by then, please check your junk or spam folder.


If you need to make a change to your DMP, review your plan or update your information, you can do this online. You can also email us with any queries regarding your review at review@stepchange.org.


Thank you for your patience and ongoing support during this difficult time.


  • Email: We can support you by email. Email us at client.service@stepchange.org
  • Post: There will be a delay in dealing with anything sent by post

Support with ongoing plans

If you need to contact us about your existing DMP, please email us. If you do need to speak to one of our team, please be aware that we are currently operating at reduced capacity so you may experience a delay when you call us on the number below.

  •  0300 303 5300
  • Monday to Friday 8am to 6pm and Saturday 9am to 2pm
  •    

Get help setting up your DMP or TPP

If you need to contact us about your existing DMP, please email us. If you do need to speak to one of our team, please be aware that we are currently operating at reduced capacity so you may experience a delay when you call us on the number below.

Individual voluntary arrangements (IVAs)

If you're seriously affected by coronavirus, find out how we can help you with your IVA here. Our VA team will continue to support you as best they can.


To help us manage your IVA, please send all information and questions by email rather than post.


Debt Arrangement Scheme (DAS) debt payment programme (DPP) - Scottish clients only

Get help setting up your DPP and advice during your programme, including changes in your income, creditor support and annuals reviews.


If you're seriously affected by coronavirus, find out how we can help you with your DPP here.


Our team will continue to support you as best they can. To help us manage your DPP, please send all information and questions by email rather than post.

Debt relief order (DRO)

Please send information to us via email where possible.


If we need to speak to you, we’ll let you know by email or letter.

Equity release & mortgages

Get advice on equity release and mortgages from our Financial Solutions team.


Sequestration and MAP bankruptcy - Scottish clients only

Get help completing your sequestration or MAP bankruptcy application form, including evidence to support the application, or if your circumstances have changed. For Scottish clients only.


Want to settle your debts?

Contact us if you have a lump sum of money to pay towards your debts.


We'll contact you in the ways you ask us to when you've spoken to us. We never use WhatsApp or similar apps to get in touch, so if you see a message claiming to be us - it's not. If you receive anything suspicious, get in touch with us using the details above. How to stay safe online while you're getting our help.

We can only give advice and offer debt solutions to clients living in the UK in England, Wales, Scotland or Northern Ireland or clients from the UK living abroad on a short-term basis.

If you’re living abroad on a short term basis you must fit all of the following criteria for us to be able to advise you:

  • You’ve lived in the UK in the last 3 years
  • Your debts were incurred in the UK
  • You access your money from a UK bank account and/or you are returning to the UK within the next 12 months

If your situation fits all of these criteria then please call us on 0044 113 297 0126.

If you're hearing or speech impaired you can contact us using Relay UK. This replaces the older Type Talk service and lets you communicate using your computer, smartphone app or through a telephone relay assistant.

To find out more about how to use the service please visit the Relay UK website.

More information