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

• I Cannot Afford To Pay My Council Tax
  Question Jon thanks for your advice you provide. I have an issue with my local council, I owe them money and they say they are going to send out bailiffs. I just cannot afford to pay them, and am at a loss as to what to do? Answer Hi, Council Tax is a priority bill […]
• Today in UK Debt: 19/05/2022
  Prescription Charges to Be Frozen For The First Time in 12 Years With inflation on the rise, and wages and benefits not on the rise, the government hs decided that the NHS will freeze charges for presctiptions, which are currently at £9.35. There are those that qualify for free prescriptions, but the majority of those […]
• Can a Bank Get a Charge Against My Home?
  Question Years ago I was foolish and did not repay a loan to my local bank. I just let it go, and the bank got a CCJ against me. Now they are contacting me as I have a property and are saying they are going to get a charge against my home. Can they do […]
• Today In UK Debt: 17/05/2022
  Using Pawnbrokers and Cash Converters To Buy The Basics Pawnbrokers and Cash Convertors have been around since the dawn of time, and are a good way to snag a bargain in buying certain items, they also are a way to sell off our unwanted items to make some money. There are web sites we can […]
• Today in UK Debt: 16/05/2022
  Counterfeits, Knock-Off’s, and Saving Money We all like saving money, especially in the times we are experiencing now. And not all of us can afford to buy the name brands of clothing and other items, so we may go with “knock-off” brand, a perfume with a similar scent, shoes that look the part, etc. Retailers […]
• I Can No Longer Pay My Credit Card’s Minimum Payment
  Question Jon, I owe Vanquis credit card £2,000 and I just can no longer sustain the minimum payments, the interest I pay each month alone is over £75! I need to know what I can do? Robbie Answer Robbie, Have you spoke to Vanquis about your situation? That is your starting point. They may be […]
• Today in UK Debt: 14/5/2022
  Government Wants To Save Money By Cutting 90,000 Civil Service Jobs The UK government is looking into cutting 90,000 Civil Service jobs which means it could save over £3 billion a year. They then say they can use this extra money to help ease the cost of living through tax cuts and other measures to […]
• Can I Come Back To The UK For Work Having Left Unpaid Accounts There?
  Question I left the UK about 3 years ago when my student Visa was up. I left a mobile phone account, and a few small credit cards. I have a job offer back in England and am worried these accounts may affect my travels there, or I may be arrested at the airport. Answer Hi, […]
• Today in UK Debt – 12/05/2022
  What is Quitter’s Remorse? Many of us have heard of “buyer’s remorse”, where you may a purchase and regret or change your mind later. But quitter’s remorse? This is where you leave a job, and then realise at the new job…..it is not all you thought it would be, or was promised it would be. […]
• How Can Solictor’s And Court Costs Be Collected?
  Question I’m in court on Thursday and the other side is trying to make me pay their costs (approx £10,000). If the court finds against me and I am liable for their solicitor’s costs how can these be enforced? I own next to nothing and have very little in the bank Thanks from your time […]
• Today in UK Debt – 10/05/2022
  Landlords … Have an Empty Shop? Shops and stores on the High Street have suffered for years, and once the pandemic and lock downs hit, they suffered even more. So many places going out of business, boarding up, it is bad, and it looks bad as well. But the government may have a plan to […]
• Today in UK Debt – 09/05/2022
  Post Election Results By now you should know the election results in your area. As they say, it is all over but the shouting. It appears the Tories lost a few seats and position, but the loss is not as high as many expected due to recent events. The BBC has posted early results here. […]
• I Cannot Repay a Loan And Don’t Know What To Do
  Question Unsure what to do. I left Belfast 6 months ago and I took out a loan right before I left, and now I live in Wales and don’t have a job, so I cannot pay the loan. The loan was for £1,000. I am unsure what to do. Answer Hi, Have you spoke to […]
• I Owe a Loan Shark
  Question Jon, I owe someone money and they are pressuring me to pay them and I just don’t have the money. It was a local person lending money in the pub, and I needed the money so I took the loan. Now not being able to keep up with the payments, they have threatened me […]
• Today in UK Debt – 06/05/2022
  Here’s a Company You Want to Work For One word..OK two words.. craft beer…and Brewdog. Wait that is three words. The CEO of Brewdog, James Wyatt, is going to give 20% of what he owns in the company to the employees. Read about it here. If you know the history of the brewery, it is […]
• Today in UK Debt: 05/05/2022
  Not Happy At Work….Strike! Some Post Office workers are going to stage a 24 hour strike in 114 Post Offices over wages. You can read this here. To recount a true story from 8 or 9 years ago, I went to my local Post Office, and it was closed. Closed on a day and time […]
• Can My Father-in-Law Make Me Bankrupt?
  Question Jon, My father-in-law gave me a loan of £10,000 as a deposit on a property 5 years ago. He is now saying he wants to be paid back, and if I do not pay him back, he will force the sale of the property to get his money. I am unsure what to do? […]
• Today in UK Debt: 03/05/2022
  Not a Good Time to Own a Superyacht…Especially if You Are Russian With the war in Ukraine ongoing, and all the sanctions being issued against Russia, one is to seize assets of oligarchs from Russia. Oh and yes, it is a War, not a conflict. One of those assets being seized is the oligarchs yachts, […]
• Today in UK Debt: 02/05/2022
  Now that the Bank Holiday weekend is almost behind us, it is time to get back to things. Passport Warnings The skies, and planes are opening up again, and holidays are being booked. But we are being warned about our passports, and what to check for before we set off to the skies. Most people […]
• Why Do I Still Owe Money For a Loan I Paid Off?
  Question I hope you can help. I took out loan to buy a car about 3 years ago, and did pay off the loan. It was struggle to do so as my wages were reduced being on furlough. I paid the loan off 3 months ago. I thought I paid the loan off, but now […]