If you are having any kind of financial problems then these people ( charity based )

[Zizu]

https://www.stepchange.org/


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[Zizu]

Apologies

I don’t know any real specifics apart from they are a non profit charitable organisation and one of the guys owed many thousands and still just pays £10 month .. the debt decreases slowly but they never add interest..

I have no idea how they are funded but they seem like angels from heaven in this cut throat society


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[Cherry Christmas]

Martin Lewis advocates this Charity, thankfully not sure how they work either but definately somwhere to turn to if in trouble

[user104658]

I think I mentioned this in another thread but I'll add here too as I think it's important to know: setting up with a service like StepChange while a vital service to exist, and VERY much preferable to bankruptcy, will still absolutely tank your credit rating for 6 years (realistically 7 - a year to rebuild once it all drops off the report).

If struggling to pay the essential bills or put food on the table of course it might be the right action, but it shouldn't be seen as an "easy way out" of debt. Tanking your credit score has all sorts of implications.