Welcome to Get Out of Debt UK

The goal of the site is simple, to provide you with free help, advice, and guidance for all of your UK debt questions. We do not sell any programs or services, just give away advice. You can click here to ask for free advice. The advisors here are volunteering their time to answer questions. The site is not funded by big money so please excuse the simple appearance.

The site may have ads on it, and that would be the only funding we receive if someone clicks on an ad. We do not select those ads or have any control over what ads you see. Google does that based on your surfing history or some other magical formula beyond our control.

Latest Posts

• Debt and Sex
  How is that for a topic, discussing being in debt and also discussing sex, and how they can be related. I’m sure to get some very polarised comments on this one. However, as we will see, debt and sex can be related, and sometimes in an unfortunate way. And oddly enough, as Brits, we would […]
• Can UK Debts Be Reported And Collected In The USA?
  Question I happily stumbled across your web site and need some advice. I lived in Wales and England for about 8 years and moved back to the United States last year when the pandemic began. I am a US citizen and had been living in England as a spouse of a British man, and when […]
• Do I Still Owe a Debt If The Bank Merges With Another Bank?
  Question Hi Jon, I left Abu Dhabi in 2015 with a 35,500aed debt with First Gulf bank. Since 2016 I have been paying a UK solicitor (regularly from 2018) but its like pulling teeth when I ask for a statement of payments. Also First Gulf bank emerge with Abu Dhabi bank in 2017, In February […]
• How Can I Get Out Of Rent Arrears?
  Question I am unsure if you can help me or not, but here goes. I have been struggling with my bills and debts since the beginning of the lock down last year. I am now back in work, I work in retail, but I am not working as many shifts as I had in the […]
• The Four Letter Word That Is Debt
  To some the word “debt” is one of those four letter words we should try to avoid, or find ourselves in, however the reality of debt, and being in debt is almost inescapable. There will always be the debate as to what is good debt and what can be considered bad debt, but the facts […]
• Can I Go Bankrupt In The USA And Move Back To The UK?
  Question Jon, I currently live in America, but hold dual citizenship in both the US and UK. I am serious debt here in the US as a restaurant I started 5 years ago is looking at bankruptcy and liquidation here in the US. My question is I am considering moving back to the UK and […]
• How Much Debt Does The UK Have Due To The Pandemic?
  Pandemics are not cheap. You have the loss of lives, productivity, jobs, and the economic impact of lock downs, add in some government furlough money, and increased benefits, and it all adds up to billions of pounds, in this case, the UK government debt is now at £2.2 trillion! Yes, trillion! When all is said […]
• What Happens To My Mum’s Debt When She Dies?
  Question Hi Jon, I ask this question on behalf of my 89 year old mum, whose health is failing. She owes around £5,000 in total to a credit card, Vanquis, and also a loan she took out with Lloyds. What happens to these accounts when she dies? She has life insurance to bury her, but […]
• Good Debt vs Bad Debt
  Is There a Difference Between Good Debt and Bad Debt? In asking the age old question, what is good debt and what is bad debt, one quick answer is, debt is debt. Period. However, there are some areas or forms of debt that may be considered better than others, One question to ask yourself in […]
• Do Unpaid Debts In The US Affect My UK Credit Score?
  Question Hi and thanks for this forum and way to get some answers. I am a British citizen who lived in the USA for many years. I recently moved back to the UK and am not earning the same income as I had in America. I had a few debts in America and can no […]
• 8 Ways We Could Have a Car Insurance Claim Denied!
  When you buy a car, even if you pay cash for the car, one of the largest expenses you will have is the insurance. Yes, if you have a “lemon” of a car, repairs and maintenance can also be a huge expense, but the monthly insurance premium does not go away. If you want to […]
• Does Catalogue Debt Affect My Credit?
  Question I owe about £800 to 2 different catalogue companies, and I am not paying them. Will this hurt my credit score? Answer It will only lower your credit score if it is reported to the credit bureaus. Not all lenders or catalogue companies report to the credit bureaus. However, if you default on the […]
• How Can I Pay Off My Old Debts?
  Question A few years ago I defaulted on a credit card and also a catalogue bill I had. I was in a bad place and just did not pay them. Now I want to clear this up as I am back working and can afford to pay them. In total I owe about £2,000. How […]
• What Are The Different Forms of Credit and Loans?
  If you looking into the world of credit and loans, you may be surprised at the different types of credit that can be extended to you, and that credit is extended in the form of a loan. However, there are many different types of loans. Loans Fall Into Two Different Categories In discussing the various […]
• How Can I Get a Car Loan With Bad Credit?
  Question I need a loan to buy a car as I have found a job, but the location for work is not on any bus routes, in addition the job is working unsocial hours. I don’t need an expensive car, just a reliable one to get to and from work. The problem is I have […]
• Can a Debt In The EU Be Collected In The UK?
  Question Hello, I left debts back in my home country in the EU about 19 years ago. Then today I was contacted via email by a collection agency in that country demanding I pay this incredible amount of money. I believe I owed £3,000 when I left and now they are demanding £18,000 from me. […]
• The Relationship Between Lenders and Borrowers
  The process of lending and borrowing money has changed over the years, but the actual event, someone who lends money and someone who borrows money has not changed. Gone are the days of going to the bank, seeing a loan manager, filling out a paper application, and then waiting for the loan committee to meet […]
• My Brother And I Took Out a Business Loan Together And Now He Refuses to Pay.
  Question Jon, I need some advice regarding a business loan I have with my brother. We both started a company as a partnership and borrowed £15,000 from our bank to start the company up. The bank required we both sign for the loan as guarantors. This was last year, right before Covid hit and we […]
• How The Pandemic and The Internet Have Changed Our Shopping Habits
  If you are as old as myself, you can remember when if you went shopping, you either piled in the car and drove “down town” into the city centre, or took the bus or trolley to the city centre. You always had your corner shops, but the main shopping district was in town. Then malls […]
• Can I Use My Parent’s Address For My Car Insurance?
  Question I recently moved house and where I am now living is a different post code and in checking my car insurance, it will go up by over £500! That is a huge increase. However, if I use my parent’s address, my insurance is much cheaper. I know using a different address can be considered […]