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

• How Dating Has Changed And The Cost Of Dating
  Courting as it was called back in my time, dating today, has certainly changed over the years, really changed, especially now. Gone are the days of going to the pub, or dance hall, and chatting up and dancing with someone, getting to know them, go on dates to see and experience new things with that […]
• Navigating The World Of Online Reviews
  I am not going to provide links, or name names, but we all know about online reviews, and how to find them. Just about every business that has an online presence, has reviews of their goods and services on their web site. OK, I’ll mention one web site, Amazon, maybe two, Argos, for each product […]
• Council Tax is a Priority Bill
  A lot of people moan about paying Council Tax….and I was one of them. I pay £85 a month, and I always said, what am I getting for this money??? I know, I was getting rubbish removal, police services, fire services, plus funding the Council itself. But yet, I still moaned. Then there was the […]
• Debt And Credit In a Digital Age
  Sometimes I cast my mind back, back to a time when if you needed a loan, you went to your local bank, spoke to the Bank Manager or Loan Officer, completed a loan application and waited. You waited for the loan committee to meet, usually on a Wednesday, and they approved your loan. In some […]
• A New Day And New Covid Travel Rules
  This could also be titled, A New Day And a New Covid Variant, as that is what it seems like. If I am to interpret the new government guidelines and rules, which go into effect on Tuesday the 30th, due to the new Omicron variant of Covid, face masks are now compulsory in shops and […]
• How Can I Get All My Accounts Settled At The Same Time?
  Question Jon, My situation is a bit complicated, so I will give you some background details, and also explain what I hope to do. I have in total £30,000 of debts that are in just my name, or the account were taken out for my LTD company, but I signed as guarantor. So I know […]
• Black Friday Is Upon Us, and What Deals Are Really There?
  Black Friday as we all now know, is the day the retailers put on the big sales to lure us out to shop for Christmas. But do you know the origin of Black Friday? Black Friday began in the USA, in America, and is the day after Thanksgiving there, and signals the beginning of the […]
• I Don’t Know What To Do About An Upcoming Payment I Have.
  Question Hi Jon, I am unsure what to do? I have a catalogue payment due in a few days, and I just don’t have the money to pay it. I know the payment of £25 doesn’t seem like a lot of money, but right now it is to me. I just don’t know what to […]
• The Cost To Live Is Rising So How To Save Money On The Basics?
  We are now in a pre-post-pandemic world, I say/write pre-post, as Covid will always be with us, and we may need booster jobs each year for some, just as we do for the various flu viruses that surround us. I have previously written about how the pandemic has cost us dearly, with the loss of […]
• Should I Take a Loan To Finance My Wedding?
  Question I am getting married next year. I want it to be a huge affair, and took out a loan for the engagement ring, and now plan to take out a loan for the wedding. My fiance does not know I financed her ring and am going to finance the wedding. I know we are […]
• I Need To Go Bankrupt But Have Equity In My Property
  Question Jon, I am going bankrupt due to owing in excess of £150,000 for loans I guaranteed for a company. The company has ceased trading and entered into Administration, but I am liable for the loans as guarantor. My wife and I own a property together that is valued at £200,000, but we still have […]
• The Labour Force Is In Need
  And I not talking about the political party either. I have been speaking to various friends and people out in the working world, and also researching jobs on the Internet job boards, and it appears that there are quite a few jobs available out there….if you want them. The majority of the jobs I found […]
• My Father-in-Law Owes Me Money, How Can I Collect It?
  Question Unsure if you can answer this question for me, but here goes. I lent my father-in-law a lot of money to bail him out of a jam. My wife persuaded me to lend the money, and as of now, my father-in-law has not been making payments. In fact he has not made any payments. […]
• Should I Invest In Bitcoin?
  Question Hi Jon, I want to invest in Bitcoin or some other cryptocurrency, but am unsure how to do this. I wonder if you have any advice? Babs Answer Hi Babs, Investing your money can be a tricky question, things like where to invest the money, and with whom, all need to be answered. The […]
• Amazon UK To Stop Accepting Visa For Payments
  In quite a surprise move, Amazon UK is stated they will no longer accept Visa credit cards for payments and purchases as of January 19, 2022! That is a bit of a shocker. Amazon stated this was due to the high transaction fees Visa charges, however, Visa debit cards will still be accepted. Naturally for […]
• What Are My Debt Options In Republic of Ireland?
  Question I live in the Republic of Ireland and have 20,000 euro of debt. I need some advice as to what my options are? Rory Answer Rory, Debt repayment and insolvency options are different in ROI, there are different rules and laws. You may qualify for a Debt Relief Notice or a Personal Insolvency Arrangement, […]
• Am I Entitled To My Partner’s House?
  Question Jon, My partner of 20 years and I are sadly splitting up, they have found someone new. It is still hard for me to think about. I moved into their home 15 years ago, and we have split the bills 50/50 since then. It was her house, but for 15 years I paid half […]
• How Can I Make Someone Bankrupt?
  Question I have a question about how do I make someone bankrupt. They owe me in excess of £5,000, and I know they have a few properties. I did some work for them and they refuse to pay me as they say the work was not up to the standard they wanted. I need my […]
• The Ever Changing Faces of Being a Landlord And Being a Tenant
  In case you missed it, the world has changed, in just about every way. We experienced, and are still experiencing an unprecedented pandemic, the economy took quite a hit and so did the work/labour force, government spending went through the roof, and sadly…a lot of people got sick and died. Here in the UK we […]
• How Do I Get Out Of Debt To a Loan Shark?
  Question I need some help. I am in debt but to just one person who visits my neighbourhood and lends money. The interest rates are very high, I don’t even know how much they are. I borrowed £500, and every time I make a payment, the balance is not going down. He keeps saying I […]