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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Have you received a 'persistent debt' letter?

If you're making minimum payments to your credit card, store card or catalogue account, we can help.

I've got a persistent debt letter  How can I pay it off more quickly?  What should I do with a persistent debt?  Can I increase my repayments? 

What happens if I pay more?

See how long it could take to pay off your balance, and how just a small change to your monthly repayments could save you money.

If you're not sure how you can afford to pay more, we can help you make a budget. This will enable you to see where your money's going, make sure you've got all your essential spending covered, and spot where you can make savings.

Our budgeting guides

If you're worried about credit card bills you may need debt help

We can help if you’re in debt. You can get free and confidential debt advice online now. We’ll recommend the best way to deal with any debts you have, and also tell you about other organisations who can support you.

Also, if you’re eligible, you could get Breathing Space. This means your creditors won't be able to add interest or fees to your debts, or take enforcement action, for up to 60 days.

Ways to save money to put towards your repayments

Once you've created a budget, you'll know where you could save a little money to put towards your repayments. However, working out how to do it can still be challenging. Take a look at the articles below to find out how to cut costs.

Worried about your finances?

If you've created a budget, but are still concerned that you can't afford to increase your repayments, we can help.

Use our online debt tool to get free, personalised advice.

Get help now