National Debtline
There are always solutions, no matter what your situation.
Write off 75%* of unaffordable debt
One lower monthly payment
Stop creditor hassle and bailiffs
Access mental well-being services
Who are the National Debtline?
National Debtline is a free, confidential debt advice service available across England, Wales and Scotland. Run by the Money Advice Trust, they are a registered charity that has been helping people manage problem debt since 1987.
They specialise in providing clear, practical advice over the phone and online, helping people understand their rights and the debt solutions available.
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What Happens If You Miss National Debtline Payments?
If you miss one or two payments, National Debtline will usually add a late fee and may report it to credit reference agencies, which can impact your credit score. Ongoing missed payments will incur more interest and charges, and your account may going into default. If your account is defaulted, it may be transferred or sold to a debt collection agency. You would then deal with the new company, but the debt terms and balance may still apply, depending on the agreement. PennyPlan can help you understand your position and what you can do to reduce escalation.
We Help With Most Debts - Not Just National Debtline!
* Mortgage debt can be included if you no longer own the property in question.
Prefer to talk? Call 0161 808 8811
Open til 7pm Monday to Friday
How to contact National Debtline?
National Debtline telephone number:
0808 808 4000
Website:
https://www.nationaldebtline.org/
National Debtline postal address:
National Debtline,
Tricorn House,
51-53 Hagley Road,
Edgbaston,
Birmingham,
B16 8TP
Stop all interest & charges
Write off debt
Access well-being services
Reduce monthly payments
How Could A National Debtline Debt Repayment Plan Work
An IVA consolidates your debts into one affordable payment plan, with some National Debtline debt potentially written off. A DMP combines debts into one monthly payment, with interest reduced or frozen to help ease financial pressure. A DRO is a debt reduction programme for those on low income, where certain debts can be cleared with no ongoing payments required during the DRO.
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How does the National Debtline work?
When you contact National Debtline, they’ll start by assessing your financial situation, looking at income, outgoings, and debts. They then provide tailored advice on what steps you can take, from negotiating with creditors to setting up formal debt solutions.
They also provide resources such as template letters, fact sheets, and online tools to help you manage debts directly. Their advice is impartial, and they don’t charge for their service.
Does the National Debtline affect credit score or rating?
The National Debtline itself does not affect your credit score. Speaking to them for advice or support is private and has no impact on your credit file.
However, the debt solution you choose after getting advice can affect your rating:
- Informal arrangements with creditors may show as reduced payments.
- Debt Relief Orders (DROs) and Individual Voluntary Arrangements (IVAs) stay on your credit file for six years.
- Bankruptcy has the most significant impact on credit history.
It’s the debt solution, not the National Debtline charity, that influences your credit record.
Get Help With National Debtline Debt Today
Trying to manage your National Debtline credit card debt alone can be a massive burden that controls your life. But it doesn’t have to. Our advisers are here with you every step of the way, providing tailored advice and debt solutions to start taking the weight off your shoulders. To take the first step – speak to a member of our team today.
Apply for our eligibility check
Speak to our debt specialists
Choose your debt solution
We’ll handle the rest
National Debtline FAQ's
What is the National Debtline?
National Debtline is a national charity-run service designed to give people free, confidential help with debt. Their aim is to empower individuals to take control of their finances by explaining their rights and the full range of debt solutions available in the UK.
They are not a lender and do not charge for advice. Instead, their role is to support people in making informed decisions about managing debt.
Does National Debtline charge a fee?
No. National Debtline is a free service. They do not charge for advice or for access to their online tools and resources.
Some formal debt solutions, such as IVAs or bankruptcy, involve fees, but these are linked to the insolvency process itself, not National Debtline.