The Top Debt Charities in the UK

- by Sarah Connelly
The 2022 Guide to Debt Management Plans – Chapter 22

Here is a list of the top debt charities in the UK along with all their contact information, from Cashfloat. No need to look further for debt advice!

Chapter 22, The top debt charities in the UK- Cashfloat Chapter 22, The top debt charities in the UK- Cashfloat

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



Getting Help With Debt

Usually, the first step in dealing with a debt problem is finding the right help. Any help you receive should be professional, impartial and free. With an abundance of different companies and other organisations in the UK offering free help and advice, how do you choose the right one?

When you are looking for free help, you should be careful to ensure that the organisation you choose to help you is actually free. There are many commercial businesses that misleadingly offer ‘free’ advice and assistance, but actually charge a fee for their services. The fees that these companies charge for providing a debt management plan, for example, are 17% on average and, for many people, this could add around £4,000 to the cost of the plan. On top of this, some companies encourage people to pursue debt solutions which aren’t appropriate to their particular debt problem.

All of this is in light of the fact that good advice and support is actually available for free from debt charities.

Top Debt Charities

Are Debt Charities as Good as Debt Management Companies?

The support that debt charities provide to people who are in debt is professional, reliable and completely impartial. The charities which we will talk about below have helped a huge number of people in the UK to overcome debt problems. Sometimes, people believe that they will get better service or a better deal by going to a debt management company. However, charities provide very good advice and support. Often, what people receive from a debt management company is either poorer or no different, except that it comes with a hefty fee.

Comparing the Top Debt Charities in the UK

In no particular order, here are eight different charities which give free support to people who are struggling with debt, in the UK:

Stepchange Debt Charity

StepChange are the UK’s leading debt charity and they help over 600,000 people every year to deal with debt problems by providing free debt advice and practical support. Advice they give to their clients is given after a thorough investigation is made of their circumstances. Practical support can also be lengthy and involved and they can even lead people all the way through complicated processes, such as creating a debt management plan or even bankruptcy. On top of this, their website has a large amount of resources available for people who are inexperienced in dealing with debt.

If you are looking to arrange a debt management plan, 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 you will make one monthly payment which will cover your debts. The charity will also be impartial when helping you decide whether this is the right way forward or whether a different approach might be better.

Go to Chapter 25 of this guide for an in depth look at StepChange or go straight to their website here.

Stepchange Debt Charity
Contact Information
Websitehttps://www.stepchange.org/
Emailcontactus@stepchange.org
Telephone0800 138 1111
AddressWade House, Merrion Centre, Leeds, LS2 8NG

PayPlan

While it is not actually a charity, as it is funded by the credit industry, PayPlan offers free advice and free debt management plans to people who are in debt. As well as providing free debt advice and debt management plans, Payplan also helps people to make individual voluntary arrangements (IVAs) and trust deeds, amongst other things. The advice they offer is extensive and they can help people to understand complicated procedures, such as debt relief orders, and will support people the whole way through their debt recovery.

For an in depth look at PayPlan, go to Chapter 27 of this guide.

PayPlan
Contact Information
Websitehttps://www.payplan.com/
Emailvia website
Telephone 0800 280 2816
AddressKempton House, Dysart Road, Grantham, NG31 7LE

Citizens Advice

Citizens Advice is an organisation that most people have heard of. While they do not provide practical support, in the same way that StepChange or PayPlan do, they have a large amount of information available and are great people to discuss debt issues with.

The website at Citizens Advice gives a large amount of information on how to deal with debt and also explains who the best people are to go to to arrange debt solutions. On top of this, they offer plenty of other information, such as what action your creditor is allowed to take while you are in debt. If you are looking for information on debt management, the Citizens Advice website is a good place to go. You can also speak to a Citizens Advice debt advisor who will offer you free, impartial and professional advice.

For an in-depth look at Citizens Advice go to Chapter 29 of this guide.

Citizens Advice Bureau
Contact Information
Websitehttps://www.citizensadvice.org.uk/
Telephone03454 04 05 06
Address3rd Floor North, 200 Aldersgate Street, London, EC1A 4HD
Find my nearest bureau nowClick here

Christians Against Poverty

Christians Against Poverty is an excellent organisation that helps people with the emotional side of being in debt, as well as the practical side. They offer free, professional, impartial and extensive advice to people who are in debt and help them the whole way through their recovery. The services they offer are extensive and they are a good organisation to go to if you need help with debt. As well as helping people to deal with debt, they also help people to find work and learn life skills which will help them deal more effectively with money. This is an organisation that does not push religion, but is purely motivated by the desire to help ordinary people who are struggling with debt.

More in depth information about Christians Against Poverty can be found in Chapter 28 of this guide.

Christians Against Poverty
Contact Information
Websitehttps://capuk.org
Emailinfo@capuk.org
Telephone01274 760720
AddressJubilee Mill, North Street, Bradford, BD1 4EW

The Debt Advice Foundation

The Debt Advice Foundation is a charity which provides debt advice and solutions to people who are struggling with debt. Just as with StepChange and PayPlan, if you are considering starting a debt management plan or pursuing a similar course of action, they are a good organisation to go to. They also aim to educate people about debt in order to prevent it from happening. On top of this, they fund and undertake research into debt in order to help people to understand better how debt occurs and what effect it has on people. The services they offer to people who are struggling with debt are extensive and they are a good organisation to go to for help.

You can find out more about the Debt Advice Foundation in Chapter 26 of this guide.

The Debt Advice Foundation
Contact Information
Websitehttps://www.debtadvicefoundation.org/
Emailinfo@debtadvicefoundation.org
Telephone0800 043 40 50
Address1 Anchor Court, Commercial Road, Darwen, Blackburn, BB3 0DB

The Debt Support Trust

The Debt Support Trust is another charity which offers advice and support to people who are struggling with debt. Advice they give is professional and impartial and they tailor their approach carefully for the people who need their support. The services they offer are similar to other dedicated debt charities and they are able to lead people with serious or less serious debt problems all the way out of debt.

Debt Support Trust
Contact Information
Websitehttp://www.debtsupporttrust.org.uk/
Emailcontact@debtsupporttrust.org.uk
Telephone0800 085 0226
AddressClaremont Office, 112 Cornwall St S, Glasgow G41 1AA, UK

National Debtline

National Debtline are one of the major debt charities in the UK and are promoted by the government. They offer free, professional and impartial debt advice online and over the phone. They are a good organisation to turn to for all types of information on debt and how to deal with it. A huge number of people have used National Debtline to make enquiries from simple ones to the most complex. As well as being able to discuss your situation with them, their website also offers a huge amount of useful information. For many people who find themselves in debt, National Debtline is the first port of call.

National Debtline
Contact Information
Websitehttps://www.nationaldebtline.org/
Emailinfo@nationaldebtline.org
Telephone0808 808 4000
AddressTricorn House, 51-53 Hagley Rd, Birmingham B16 8TP, United Kingdom

Business Debtline

Run by the Money Advice Trust, Business Debtline exists to help self-employed people and people with small businesses deal with debt. Business debt and debts for the self employed are often complicated and having a specialist charitable organisation which is devoted to this problem is a great resource. If you are self-employed or own a small business and are struggling with either personal or business debt, then you can go to Business Debtline for help.

Business Debtline
Contact Information
Websitehttps://www.businessdebtline.org/
Emailcontactus@moneyadvicetrust.org
Telephone0800 197 6026
AddressTricorn House, 51-53 Hagley Road, Birmingham, B16 8TP

In Summary…

The charities we have mentioned in this article are the best places to go if you are struggling with debt. The services provided by them are professional, impartial and, most importantly, completely free. Not only can you contact them for advice and support, but there is also an abundance of information available on their websites. With so much good, free help available there should be no need for anyone to seek help from a debt management company which is only looking to profit from other people’s debt and may give inappropriate advice while they are doing so.


Get your debt under control for free, contact Stepchange - Cashfloat
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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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