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  1. www.stepchange.orgStepChange Debt Charity. Free Expert Debt Help & Advice

    The easiest way to get started is online. It's free and available 24 hours a day, 7 days a week. Debt happens, let's deal with it together. We'll ask you about your current situation so we understand what help is right for you. You'll get tailored advice based on your circumstances.

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      Free online debt advice. Take control of your finances with...

    • Contact Us

      Contact Us - StepChange Debt Charity. Free Expert Debt Help...

    • Debt Management Plan

      StepChange provides free debt management plans. Find out...

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      Have a debt management plan with StepChange? If you're a...

  2. www.stepchange.org › how-we-help › debt-adviceGet debt help: Our free debt advice - StepChange Debt Charity

    We provide the UK’s most comprehensive debt advice service. As well as advising you, we can help you set up your debt solution and support you for as long as you need us. We have helped millions of people over the past 30 years and have more than 15,000 five-star Feefo ratings from our clients.

  3. www.stepchange.org › debt-info › credit-card-debtCredit Card Debt. What To Do If You Can’t Pay. StepChange

    • What Are Credit Card Limits?
    • How Does Interest on Credit Cards Work?
    • How Do Credit Card Balance Transfers Work?

    Creditors should run 'affordability checks' before offering credit limits. This is to make sure they are being fair to you and not putting you at risk of debt you cannot repay. You can complain if you do not think they have checked what you can afford. I have a good credit history You will often be offered a higher credit limit. This could be thous...

    See full list on stepchange.org

    It can be hard to work all these fees out. Read our guide to interest and charges. Interest is the amount added on top of the amount you borrow. Think of it as the ‘cost’ to borrow money. It can be anywhere between 10% and 70%. It will be lower if you have a good credit rating. You need to look out for the 'annual percentage rate'or APR. This is am...

    See full list on stepchange.org

    You may be able to transfer the balance to another card. This means moving the amount you owe to another credit card account. You may be able to pay what you owe faster if you move the balance to an interest-free card. But there are often fees for balance transfers. This fee will be around 2 to 3% of the amount you are transferring. This is a one-o...

    See full list on stepchange.org

  4. www.citizensadvice.org.uk › debt-and-moneyIf you’re struggling to pay your credit card - Citizens Advice

    • Check if you’re responsible for the debt. You're responsible for the debt if you signed a contract with the credit card company. This is called a 'credit agreement'.
    • Check if your credit card company broke the rules when you applied. If the company didn't follow the rules when you first applied, they might have to cancel or 'write off' your debt.
    • If you’ve had a letter about the debt. Don't ignore the letter - it’s best to take action quickly to stop the situation getting worse. If you’ve had a letter saying your credit card company will take you to court, find out how to deal with a court claim.
    • Work out what you can afford to pay. If you’re responsible for the debt, you should make a budget. This will help you know how much you have left each month after paying your essential bills and priority debts.

  5. debtfreeadvice.comWelcome to Debt Free Advice

    Mar 13, 2019 · twitter. twitter. Debt free advice is a partnership of 16 charities led by Toynbee Hall, providing free and impartial advice to over 20,000 over-indebted people each year. We’re authorised and regulated by the financial conduct authority and funded by the money and pensions service (previously the single financial guidance body) Chat with us.

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  7. www.gov.uk › debt-adviceGet free debt advice - GOV.UK

    Debt Advice Foundation offers phone and webchat services. Telephone: 0800 043 40 50. Monday to Friday, 8am to 6pm. Find out about call charges. Court claims, debt and bankruptcy. Get free ...

  8. www.which.co.uk › money › credit-cards-and-loansFree debt advice contacts: where to get help - Which?

    Aug 1, 2024 · Find your local Citizens Advice centre here. Alternatively, you can use the chat service to speak with a debt adviser online. Tel: 0800 144 8848 (England) 0800 702 2020 (Wales). Use the Relay UK service if you can't hear or speak on the phone, to type what you want to say.

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