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

• Will Increasing My Credit Limit Hurt My Credit Score?
  Question I have been offered a credit limit increase on my credit card. They are offering me a £750 increase, and my limit is currently £1,500. I need to complete an income and expense form online and then it looks as though they automatically increase my limit. I just wonder if this is something that […]
• I Am Thinking of a Consolidation Loan, Is This a Good Way to Get Out of Debt?
  Over the years I have been asked about consolidation loans and if they are a good form or way to get out of debt. And yes, they can be, however, there a couple of caveats to this way to get out of debt. You Are Still in Debt As the saying goes, you cannot borrow […]
• 4 Top Tips to Get a Job!
  In the past 12 months working, having a job, and finding a job has changed….and changed dramatically! Even if you are on benefits has changed, as there are no face-to-face appointments with a Work Coach these days. Everything is done online. More and more of us were being made redundant, or placed on furlough, only […]
• Can I Run Away From My Debts?
  Question I hope you can help. I owe a lot of money and lost my job a few months ago, and just want to do a runner and leave the country. I am even planning on leaving and not worrying about returning and dealing with life here ever again. Can I do this? Can I […]
• Do I Need Health Insurance With a UK Student Visa?
  Question I am going to England to study and have been approved for a student Visa. Do I need a health insurance plan while I am studying there? Nathan Answer Nathan, I am unable to give you an exact answer as some Visa’s here in the UK do require you to provide proof of insurance, […]
• 9 Moving Money Saving Tips For Moving House
  People move house for many reasons. Some move to save money, others move to update or expand their space. However, no matter why you are moving, the simple fact is that moving house can be incredibly expensive! Purchasing a home and taking on new bills is already costly enough without adding in the cost of […]
• Will a CCJ Affect Getting Citizenship In The UK?
  Question I am applying for Citizenship here in the UK and there is a Good Character requirement part on the application. I am concerned my application could be denied as I am in some debt and have a CCJ, which I am making payments towards. I have lived in England for over 10 years now, […]
• What Is a Token Payment Arrangement?
  A token payment arrangement, or token payment plan, is a way to help someone who may be experiencing a major financial change, be in debt, and needs a space or time to sort the matter out. It is similar to the “breathing space” scheme many creditors are offering. How Does a Token Payment Plan Work? […]
• How Can I Avoid Being Scammed?
  With more of us working from home, and being on lock down, which is being lifted soon, you might think that fraudsters and scammers and being scammed would drop in the numbers of it happening. But you would be wrong in your thinking. Scams are on the rise! And so a logical question to ask […]
• Should I Take Out a Loan To Go On Holiday?
  Question Hi and thanks in advance for taking my question and any advice you can provide. Since this Covid thing and being locked down my partner and I have been shut ins. We have not been out except to run to the shops for food. Now that the government is stating they are allowing holidays […]
• The Loan Company I Have a Loan With Has Gone Into Administration, Do I Still Owe The Loan?
  I recently have received a few questions from people regarding a certain and unnamed loan company, going into Administration, and will in all probability be liquidated; meaning they will go bust. The big question is if the company does go bust, do I still owe them money??? And The Answer is…… Yes. The loan and […]
• What Happens to My Debts When I Die?
  Death and taxes as the saying goes are the only two things we can count on. But what about any debts or bills you owe when you die? It is a question many have, and many would like to not thing about. “No One Here Gets Out Alive” As grim as it sounds, it is […]
• Will Taking a Breathing Space From My Debts Affect My Credit Score?
  Question I was recently made redundant, and while I am receiving Universal Credit, it is not enough to pay the bills I have. I called my bank and my credit card and they said they would allow me 60 days to find out what my options are and to seek debt advice. So I do […]
• Am I Responsible For My Dead Partner’s Debts?
  Question I lived with my partner for 20 years and he recently died. I am now receiving notices in the post and on his mobile phone asking for payments on some debts he had. Am I responsible to pay his bills? Claire Answer Claire, I am sorry to hear of your loss. The only way […]
• Credit Scores and Moving to Other Countries
  As hopefully soon the skies open up again, not only will many of us get our long waited holidays, but some will relocate and move to other countries. Even here in the UK we recruit people from other countries for various jobs, and certain careers. It is the same in those other countries as well. […]
• “Breathing Space” Scheme
  I am unsure why this new “breathing space” scheme is back in the news, as not only was it something introduced a couple of years back, but most creditors have been offering it to account holders for some time now. Especially during the past year, when many people were on furlough, or lost their jobs. […]
• I Am Getting a Divorce, Who Is Responsible For Our Debts?
  Question Hi Jon, My wife and I are getting a divorce and we are splitting up the accounts we owe, she is to pay a loan we have and I am going to pay our 2 credit cards. We are outlining this in the divorce. What happens if she does not pay the loan? All […]
• My Credit Card Is Offering Me a Discount On What I Owe. Is This a Good Deal?
  Question I owe my credit card company £3,216 in total, and have been paying them £1 a month since I lost my job last year. They now have sent me a letter stating if I pay them £1,500, they will consider the debt paid in full. They even said I could pay the £1500 in […]
• One Way We Try to Save Money on Car Insurance is Really Fraud!
  We all want to save money, and we all want to save money on our car insurance. Car insurance if you want to drive on UK roadways and motorways is mandatory by law. Drive without insurance and if caught, you will not only face a fine, but your car will be seized. So in looking […]
• What is a Protected Deed Trust?
  Scotland being one of the devolved countries here in the UK, has their own government, and also their own set of insolvency laws, and options to get out of debt. Along with Debt Management Plans and token payment plans, in Scotland they also have what is termed a Protected Deed Trust. If you know what […]