The Top Debt Charities in the UK

- by Sarah Connelly
The 2021 Guide to Debt Management Companies – Chapter 11

Top Debt Charities - Cashfloat.

Cashfloat is a responsible short term loan lender. As well as helping our customers overcome temporary financial difficulty, we also aim to help debtors in the UK deal with their money problems effectively. In this article, you will find a full list of the top debt charities in the UK.

Top Debt Charities - Cashfloat

Comparing the Top Debt Charities

One of the most difficult aspects about financial problems is finding the right kind of help. With an abundance of different UK companies and other organisations offering free help and advice, how do you choose the right one?

The first priority is to ensure that the organisation you choose is actually free. Many of the commercial businesses that offer ‘free’ advice or help are actually going to charge you a fee and this could be as much as 15% of the monthly payment that you are making to pay off your debt. Additionally, although a lot of the bogus companies have been shut down, there are still some that will offer to set up a debt management plan when it is clearly not the best solution.

Top Debt Charities

Finding Free Debt Help

There are several websites where you can find out which organisations are charities and which are commercial businesses. However, as the Money Advice Service, which is funded by the government, is due to be disbanded, it is worth while looking at a list of the top debt charities in the UK and examining the deals that they have to offer.

In no particular order, these are eight different charities which give free debt advice and help to those who are having severe financial problems and are seeking to put into place a debt management plan. In order to seek help from any of these organisation you must be a permanent UK resident. There are different organisations for people who live in Scotland and Northern Ireland.

Business Debtline

Telephone calls from landlines are free and the charity has a special service for those who have a problem with speech or hearing. Business Debtline has a list of organisations that can help if you have any mental health difficulties and also warns about the companies which charge a fee for debt services.

The website shows a simple four step process that gives clear advice including claiming any benefits that may be due and advice for businesses that are having financial problems.

Whilst the website is useful in explaining how to go about paying off creditors, it appears to only offer advice and in that sense is not really a debt management organisation. i.e. it will not deal with creditors but will only advise you how to do this. So, for anyone who is under pressure this organisation delivers some good advice but not practical help.

Business Debtline
Contact Information
Telephone0800 197 6026
AddressTricorn House, 51-53 Hagley Road, Birmingham, B16 8TP

Christians Against Poverty

You can contact Christians Against Poverty by the helpline, by post, by email and through debt centres. The advice and help is free as the charity is funded by donations. If you apply for help you will be given a case manager who will contact your creditors and arrange a debt management plan or you will be provided with different options to deal with your debts.

For those who are self employed, Christians Against Poverty suggests that another type of organisation may be better and recommends Business Debt Line or PayPlan.

Christians Against Poverty
Contact Information
Telephone01274 760720
AddressJubilee Mill, North Street, Bradford, BD1 4EW

Citizens Advice Debt Management

Citizens Advice Debt Management can be contacted through the Citizens Advice Bureau, via a helpline or you can look it up through the Internet. The website shows helpful advice about other debt management companies and charities. However, in order to take up a debt management plan with the organisation you need to approach the CAB in person.

Citizens Advice Bureau
Contact Information
Telephone03454 04 05 06
Address3rd Floor North, 200 Aldersgate Street, London, EC1A 4HD
Find my nearest bureau nowClick here

Debt Advice Foundation

The Debt Advice Foundation is a registered charity. The website is very informative and shows you an array of options that can be considered as well as a debt management plan. These include bankruptcy, IVA and debt consolidation.

There is a free debt advice helpline and you can speak confidentially to an advisor between the hours of 8.00 am to 8.00 pm Monday to Friday and 9.00 am to 3.00 pm on Saturdays. The organisation is useful for outlining the different options about dealing with debt and advice on how best to protect your home, reduce monthly payments and how to prevent creditors from taking you to court.

The Debt Advice Foundation
Contact Information
Telephone0800 043 40 50
Address1 Anchor Court, Commercial Road, Darwen, Blackburn, BB3 0DB

Debt Support Trust Management

The Debt Support Trust Management can be contacted using the enquiry form on the website or by ringing the helpline. Like the other free advice charities it lists different methods of getting out of debt and you can read about the different kinds of debt i.e. unsecured loans and secured loans, priority debts and the charity will tailor advice to your specific circumstances.

Debt Support Trust
Contact Information
Telephone0800 085 0226
AddressClaremont Office, 112 Cornwall St S, Glasgow G41 1AA, UK

National Debtline Debt Management

This organisation is another one that offers advice about the steps to take if you are in debt and it has a free helpline or you can contact an advisor by an enquiry form or by post. National Debtline Debt Management has lots of fact sheets covering all aspects of debt but in order to put together a debt management plan you need to sort out your own budget. However, if you qualify i.e. can pay at least £5 per month off your debts and clear them within 10 years then you can use it to set up a Debt Management Plan.

National Debtline
Contact Information
Telephone0808 808 4000
AddressTricorn House, 51-53 Hagley Rd, Birmingham B16 8TP, United Kingdom

Shelter Debt Management

Shelter is a charity that is mainly dedicated to the homeless and as such is not really a specialist service for those in debt. The website gives advice on how to negotiate with creditors but then refers you to other charities if you want to set up a debt management plan.

Shelter UK
Contact Information
Telephone 0808 800 4444
Find my local shelterClick here

StepChange Debt Charity

StepChange is one of the top debt charities in the UK. It was formerly known as the Consumer Credit Counselling Service but in 2012 it changed its name in order to make people more aware of the help that it provided. Using the media the charity was able to make thousands more people aware of the debt services that were available for free and this charity has many years of experience in helping people who are in financial difficulty.

An advisor from StepChange will work with you to organise a budget to suit your personal circumstances and set up a debt management plan where one monthly payment to the charity will cover your debts. The charity will also be able to help you decide whether this is the right way forward or whether another option will present a better solution.

Stepchange Debt Charity
Contact Information
Telephone0800 138 1111
AddressWade House, Merrion Centre, Leeds, LS2 8NG

Conclusions about the Top Debt Charities in the UK

One thing is clear. There are many organisations available to help people who have debts. All of the top debt charities mentioned above have websites where you can go for help and there is an abundance of information available.

Whether you choose a charity that gives you direct help to set up a debt management plan or just need advice and information about how to do this yourself, it is apparent that there is plenty of free help available from the top debt charities in the UK.

Top Debt Charities - cashfloat
About The Author
Sarah Connelly
Sarah is an enthusiastic writer, blogger and an eager agent of change. After completing her degree in Computer Science in one of London’s esteemed universities, Sarah’s early career in programming left her creatively frustrated. Looked for a way to combine her creative and analytical side, Sarah’s search led her to Digital Marketing and now she writes content and code for Cashfloat. Sarah enjoys spreading awareness about common financial issues and the importance of money management. With her STEM background, Sarah believes strongly in ethical business management and consumer protection. in her free time, Sarah enjoys reading, watching movies and eating out. After all, #YOLO!
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