National Debtline England & Wales

Money, Advice, Trust

Contacting National Debtline

• Call 0808 808 4000 Monday to Friday 9am-9pm and Saturday 9.30am-1pm
  Visit My Money Steps for personalised advice 24 hours a day or email us for advice
• Get a personalised action plan to deal with your debts

Debtline for other regions

• England and wales
• Scotland

Debt Advice | Scotland

If you are looking for advice on a debt problem there are several ways you can obtain help and information.

PHONE US on Freephone 0808 808 4000

E-MAIL US

SEARCH our library of factsheets to find the information you need.

Visit our interactive online advice service My Money Steps for personalised advice 24 hours a day.

Phone us for advice 0808 808 4000

Section 1 | How to get your own copy of our information

• You can view the self help pack, factsheets and sample letters on line.
• You can download them and print them off.
• You can ask us to send you the materials by emailing National Debtline through the "contact us" section on this website or by ringing the helpline 0808 808 4000.

Don't forget to include your name and address.

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Section 2 | Frequently Asked Questions

Search through our library of Frequently Asked Questions to see if there is an answer relevant to you.

Please Select What are Full & Final settlement orders? How do I deal with debts relating to my Business? What should I do if I receive a fine from the District or Sheriff's Court? Hire Purchase debt? What can I do if I have Negative Equity and want to move? What can I do if I need more time to pay a loan agreement? How can I avoid getting into debt at Christmas? How can I get time to pay before or after a Decree / Court Order? What do I do if I didn't reply to a Summons? I am homeless - what should I do? What should I do if a creditor is taking court action against me? How can I find out what information is held on my credit agreements, arrears etc.? How can my Landlord end my Assured Tenancy? Is Bankruptcy the right choice for me? What does Bankruptcy involve? What is Diligence? What should I do if I think a creditor is harassing me? What can my local council do if I am in arrears with my Council Tax / Community Charge?

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Section 3 | Factsheets

Search through our library of factsheets -

I would like information on:

Please Select Bankruptcy Can I complain about my lender? Catalogue debts CASHflow - an approved way to deal with debts yourself Credit Reference Agencies Debt Arrangement Scheme (DAS) Debt Management Plans Enforcing a debt against you by diligence Fines in the District & Sheriff Courts Full & Final settlement Getting information about your credit agreement Harassment Help with your mortgage Homeless - What should I do? How can my Landlord end my Assured Tenancy? How to avoid debt at Christmas How to deal with business debts Hire Purchase debt Liability for debts & the Prescription & Limitation (Scotland) Act 1973 Mortgage Shortfalls Negative Equity - What can I do if I want to move? Options for dealing with your debts Payday loans Recall of decree Recovery of Council Tax Time Orders Time to pay directions & orders Trust deeds What happens when a creditor takes court action against you? What if a creditor refuses my offer of payment? Mortgage arrears Rent arrears

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Section 4 | Self Help Packs

Download our self help pack that contains all the information and standard letters you need to deal with your own debt problem.

This pack shows you:

• How to work out your personal budget
• How to decide which debts to deal with first (priority debts)
• How to work out offers of payment
• How to deal with court procedures

Select the sections that are relevant to you:

Please select Contents Getting started Step 1 Increasing your income Step 2 Working out your personal budget Step 3 Dealing with your priority debts Step 4 Dealing with your non-priority debts Sample letters Useful contacts About National Debtline

The pack is designed to help you to deal with your debts in a step by step way.
You should check all the sections to make sure you have all the information you need.

Or you can download the pack in its entirety.

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Section 5 | Personal Budget Sheet

Complete a Personal Budget Sheet

This helps you to:

• See how much money is coming into your household;
• See how much money is going out;
• Work out affordable offers to creditors; and
• Plan your future spending.

You can download and print off a blank personal budget sheet or budget summary.

If you need any further help please call us on 0808 808 4000.

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Section 6 | Sample Letters

This section is designed to generate letters and send them to your creditors.

Please select a letter from the drop down menu below, then choose from either 'preview letter' to see an example, or 'write letter' to complete the template for your chosen letter.

Please be aware, if you have a 'pop-blocker' active on your browser so that you prevent annoying windows popping up, this may prevent you from viewing the sample letters. Should this happen we recommend you temporarily disable your 'pop-blocker' to view the letters.

Please select a letter Ask your creditors to hold action on your account Ask your creditors to accept pro rata offers of payment on your debts Ask your creditors to accept a token payment or no payments on your debts When a creditor refuses your offer of payment When a creditor refuses to freeze interest on your account Full and final settlement letter for any debt Ask your creditors to write off the debt due to your circumstances Ask your creditors to reconsider if they refuse to write off the debt You want a copy of your credit agreement/statement of the account and the creditor has refused to send you a copy Ask your lender for information about what instalments you still have to pay under a credit agreement Ask an organisation to send you personal information they hold about you under the Data Protection Act Mortgage shortfalls: Breakdown of balance owed Mortgage shortfalls: Please write off the debt Mortgage shortfalls: Full and final settlement letter Mortgage shortfalls: Lender should not pursue under CML policy Inform your creditor that you are terminating your hire purchase/conditional sale agreement Dispute liability for a debt where a creditor has not contacted you for over five years Letter to your lender if you have a complaint before contacting the Financial Ombudsman Service Withdraw your continuous payment authority from payday loan company Withdraw your continuous payment authority from your card issuer

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