We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
couple smiling

Have you received a 'persistent debt' letter?

If you're making minimum payments to your credit card, store card or catalogue account, we can help.

I have a persistent debt letter How can I pay it off more quickly? What should I do with a persistent debt?  How do I repay more of my balance? 

What happens if I pay more?

Just a small change to your monthly repayments could save you money.

If you are not sure you can afford to pay more, we can help you make a budget.

This helps you:

  • See where your money is going
  • Make sure all your essential spending is covered
  • Spot where you can make savings

Our budgeting guides

If you are worried about credit card bills

You can get free and confidential debt advice online now. We will recommend you the best way to deal with any debts and point you towards other support.

You can also get Breathing Space if you are eligible.

Breathing space stops the people you owe money to:

  • Adding interest or fees to your debts for 60 days
  • Taking action to collect what you owe for 60 days

Ways to save money so you can pay what you owe

Once you create a budget, you know where you can save a little money.

Any savings can go towards repayments.

Read our guides to find out how to cut costs.

Debt happens. We deal with it.

We have helped millions of people since 1993. Find out how.

"Help when you need it."

"StepChange sorted out and put in place a debt repayment plan. Help and advice when you need it most."

Peter, Feefo Review

Worried about your finances?

If you've created a budget, but are still concerned that you can't afford to increase your repayments, we can help.

Use our online debt tool to get free, personalised advice.

Get help now