Company
About Us Privacy Policy Complaints
Solutions
IVA Debt Management Plan Debt Relief Order Bankruptcy Self Help
Scottish Solutions
Protected Trust Deed Debt Arrangement Scheme Sequestration Minimal Asset Process
Debt Types
Council Tax Utility Bills Overdraft HMRC Loans Credit Cards
UK Debt Team is an introducer, not a debt help provider. Free, impartial debt help: MoneyHelper · StepChange · National Debtline
4.5 ★★★★★ on Trustpilot
100% Confidential · Free to use

Council tax Credit card debt HMRC debt Loan debt Overdraft debt Utility debt Bailiff pressure Council tax
doesn't have to control your life.

When debt starts to feel like too much, we put you in touch with a regulated debt help specialist who treats you like a person, not a case number. No pressure. No judgement. No charge to talk.

✓ Free & no obligation ✓ Regulated UK partners ✓ Real people, no bots
A friendly regulated debt help specialist ready to help
Trusted by thousandsof UK households every year
7.4M
UK adults behind on a household bill
£16.3bn
Unpaid UK council tax arrears
4.5★
Trustpilot rating
100%
Free & confidential
A UK family at home, together and relaxed
What we do

We're the bridge between you and real help.

UK Debt Team isn't a debt help provider. We're an introducer — our job is to listen, understand your situation, and connect you with a regulated UK specialist whose work is actually solving the problem.

No sales pressure from us, no cost to you, and a conversation with someone who's seen your situation before and knows what might work.

  • ✓ Only regulated UK partners — carefully selected
  • ✓ Your details stay confidential at every step
  • ✓ Free, impartial alternatives exist too (see below)
How we help

Debt support built around you

Three simple steps, from your first chat to ongoing support.

1
Step one

Speak to a regulated specialist

Your dedicated regulated partner will ask about what you're dealing with so we understand what help is right for you. No paperwork is needed.

Scroll for step 2 ↓
2
Step two

Explore your options

You'll get tailored guidance based on your circumstances. All available options presented simply, without any jargon.

Scroll for step 3 ↓
3
Step three

Continuous support

Things change — if they do, your regulated partner will be on hand to help you.

What's happening?

Pick the situation that sounds like yours

Tap the one closest to yours to read more about it.

Free benefits check

Are you getting the benefits you're due?

Lots of people struggling with bills don't realise they could get Universal Credit, or more of it. Answer a few quick questions for a rough monthly figure. It's free, takes about a minute, and nothing you enter is stored.

Universal Credit estimate About 1 minute

Let's see what you could get

Up to eight quick taps. The figures come from GOV.UK.

Who do you live with?

How old are you?

How many children live with you?

Where do you live?

How much rent do you pay each month?

Rent only, not bills like gas or electric.

What do you take home from work each month?

After tax. Leave it at 0 if nobody is working.

Roughly how much do you have in savings?

This is a rough guide using current GOV.UK Universal Credit rates, not benefits advice or a decision on what you will get. Only the DWP can work out your award. It leaves out some things, such as disability, caring, childcare costs, local rent limits and deductions. For a full check, use a free independent calculator: entitledto or Turn2us.

A couple going through their household bills together
Our customers

Real reviews from real people

Verified reviews on our Trustpilot page.

★★★★★

I didn't expect this to be so great

I clicked the advert, then went back to burying my head in the sand. Thankfully a delightful lady named Elaine messaged me, there was no pressure but just checked in. The empathy and relatability was incredible — I've exhaled fully for the first time in three years. I'm opening all my curtains tomorrow and I feel so much lighter!

Wayne · verified Trustpilot review
★★★★★

People, get in touch. You are not on your own.

I spoke to Adam who was supportive, helpful and understood my situation and took a massive weight off my shoulders. I feel free to live and go out again and not worry about bailiffs. Get in touch — I'm sure the rest of the Debt team are just as capable and effective.

Andrew · verified Trustpilot review
★★★★★

Thank you!

This could've been a really awful process for me as I was in such a mess, not just financially, but with everything! Elaine has been consistently available to help me with any questions, she has made me feel in control of everything that has happened, and has had many kind words.

Hannah · verified Trustpilot review
★★★★★

I was feeling so worried and nervous

I was feeling so worried and nervous. I can't sleep and I'm struggling to eat. The team today has made me feel like there is hope — like it's ok to worry, but that there may be light at the end of a dark tunnel. They've taken time to be empathetic and caring and so very kind.

Fleur · verified Trustpilot review
★★★★★

They have made me sleep that bit better

They have made me sleep that bit better knowing I'm sorting my debt out. Great team — they see through to the end. Thank you very much, so glad I clicked that button!

Sylvia · verified Trustpilot review
★★★★★

The UK Debt Team were amazing

So friendly and talked me through everything. Being an anxious person I was so nervous dealing with this — but they understood, took their time and were so patient with me. Even with my speech difficulties they couldn't have been more helpful.

Michelle · verified Trustpilot review
Start on your terms

Prefer to message instead?

Not everyone feels ready to talk on the phone straight away, and that's completely understandable. Reaching out for debt help can feel like a big step, especially when things have been building up for a while.

If it feels easier, you can message us on WhatsApp instead. It's a simple, comfortable way to start a conversation. Our trained specialists will be there to help understand your problem.

Message Us on WhatsApp

We go at your pace, in your time.

Common questions

Answered simply

If something's not covered, just get in touch.

Will this affect my credit score?
It depends on the route you take. Some options — like informal budgeting help, a Breathing Space period or self-managed arrangements — don't appear on your credit file. Others, like formal insolvency solutions, usually do and can stay for around 6 years. If you're already missing payments, your score may already be being affected. The specialist we introduce you to will walk you through the options and explain how each one would affect your credit so you can make an informed choice.
How much does this cost me?
Our introduction service is completely free. If you go ahead with a specific debt solution, there may be fees — but these will always be explained to you upfront, and you're never obligated to proceed.
Is UK Debt Team FCA-regulated?
UK Debt Team is an introducer, not a debt help provider. We only connect you with carefully-selected regulated UK partners who are properly accountable for the help you receive. Details of our partners are set out in our privacy policy.
What if I'm already being chased by bailiffs?
The specialists we introduce you to deal with this often. There are routes — like Breathing Space — that can pause enforcement action immediately while you work out next steps. The sooner you talk to someone, the more options you'll have.
Can I just use the free services like StepChange?
Absolutely — and we encourage it. MoneyHelper, StepChange, Citizens Advice and National Debtline all offer free, impartial debt help. We're not an alternative to them, just another route if you'd like a specialist to walk you through the options in detail.
How quickly will someone call me back?
We aim to get to every enquiry as soon as we possibly can. We do receive high volumes some days, so if your situation is urgent — a bailiff visit expected, a court date imminent, a utility about to be cut off — WhatsApp us as well as submitting the form and we'll prioritise it. For everyone else, expect to hear from a real person within a few working hours.

Ready for a real conversation?

Takes a minute. No sign-up. No credit check. No obligation.

Get in touch now
About Us

About UK Debt Team

A safe and trusted route to reliable debt help. UK Debt Team is built by people who understand the sector, for people who don't.

Our purpose

UK Debt Team was created with one clear purpose in mind, to make it easier for people to find a safe and trusted route to debt help when they need it most.

Founded by two industry veterans with a deep understanding of the debt advice sector, the business was built on years of experience seeing how confusing and uncertain things can feel for people trying to find debt help. When you are already dealing with financial pressure, the last thing you need is to question who you can trust or whether you are being guided in the right direction.

The problem we solve

There are many organisations offering debt help, but not all operate to the same standards. For someone searching for debt help, it can be difficult to know where to turn, who is genuine, and what the next step should be. That uncertainty often leads to delays, added stress, and in some cases, people not reaching out at all.

UK Debt Team exists to simplify that process.

How we work

Rather than providing advice directly, the focus is on connecting individuals with carefully selected, fully regulated debt advice partners. Every partner is chosen based on their standards, approach, and commitment to treating people fairly. This means that when you take that first step, you can feel confident that you are being introduced to organisations that are properly authorised and operate with integrity.

A safe starting point

The approach is built around creating a safe and supportive starting point. There is no pressure, no judgement and no expectation — just a clear and secure way to begin understanding your situation. For many people, even starting that conversation can feel like a big step, so everything is designed to feel as comfortable and straightforward as possible.

Breaking the silence

Over time, we have seen just how many people struggle in silence. Not because help is not available, but because the path to finding it is not always clear. Whether it is uncertainty around the process, concern about who to trust or simply not knowing where to begin — these barriers can make things feel far more overwhelming than they need to be.

That is why clarity and trust sit at the centre of everything we do.

A clear direction

By working only with regulated partners and focusing on a simple, transparent approach, UK Debt Team helps remove some of that uncertainty. It is about giving people a clearer route forward, without adding to the pressure they may already be feeling.

Every situation is different, and everyone's circumstances are personal. What remains the same is the need for a place that feels safe to start.

UK Debt Team is here to provide that starting point.

Your first step starts here.

UK Debt Team exists to make finding trusted debt help simple, safe, and stress-free.

Articles

Latest News & Blogs

Industry news, regulatory updates, and our own factual guides on UK debt solutions in one place.

Important Nothing on this page is debt advice. The information below is factual only. UK Debt Team is an introducer and referral service, not a debt advice provider. Free regulated debt advice is available from MoneyHelper, StepChange, Citizens Advice and National Debtline.
IVA 2025 Protocol update
Blog IVA

The new IVA Protocol 2025 explained

The Insolvency Service introduced a revised IVA Protocol on 1 July 2025 following research that found 60 per cent of terminated IVAs showed evidence of poor practice. The changes introduce a new key facts document and tighter suitability requirements.

Insolvency Service · July 2025
DRO 2024 changes
Blog DRO

Debt Relief Orders: the 2024 changes explained

From April 2024 the £90 application fee was abolished. From June 2024 the debt threshold doubled from £30,000 to £50,000 and the vehicle value limit rose from £2,000 to £4,000, widening eligibility.

Insolvency Service · June 2024
£75 · £235 Fixed by law
Blog Council Tax

Enforcement agent fees for council tax: the facts about fixed charges

Under the Taking Control of Goods (Fees) Regulations 2014 the fees enforcement agents can charge are fixed by law. A compliance stage letter costs £75. If they visit the property, a further £235 applies, plus a percentage of any debt over £1,500.

GOV.UK · Regulations 2014
71,855 IVAs in 2025
Blog IVA Statistics

71,855 IVAs registered in England and Wales in 2025

According to Insolvency Service statistics, IVA registrations rose to 71,855 in 2025, up from 67,089 in 2024. IVAs accounted for 57 per cent of all individual insolvencies in 2025, with six firms accounting for the majority of cases.

Insolvency Service · February 2026
89,130 Breathing Spaces 2025
Blog Breathing Space

Breathing Space registrations hit record in 2025

According to Insolvency Service statistics, 89,130 Breathing Spaces were registered in 2025 — the highest annual total since the scheme was introduced in May 2021.

Insolvency Service · January 2026
60 days Creditor protection
Blog Breathing Space

Breathing Space: the 60-day protection explained

The Debt Respite Scheme (Breathing Space) gives eligible people 60 days of protection from creditor action, interest and charges while they get debt advice. It is available through a regulated debt adviser and was introduced in May 2021.

GOV.UK · Debt Respite Scheme
News Article Council Tax

Council Tax Rules Are Changing in 2026 — What the New 63-Day Rule Means

The government is changing how council tax arrears are collected — three missed payments and at least 63 days before you lose the right to pay in instalments.

UK Debt Team · June 2026
News Article Debt Relief Order

More People Used a DRO in 2025 Than Any Year on Record — Here's Why

2025 was the highest year for Debt Relief Orders since 2009. The £90 fee was scrapped and the debt limit rose to £50,000 — here's why more people now qualify.

UK Debt Team · June 2026
News Article Council Tax

Council Tax Arrears 2026: Where in the UK They're Highest

Council tax arrears have nearly tripled in parts of the UK in five years. Here's the 2026 regional picture and what to do if you're behind.

UK Debt Team · June 2026
News Article IVA

IVA Protocol 2025 — One Year On: Did the New Rules Work?

The July 2025 IVA Protocol has been live nearly a year. What the new key facts document and suitability rules require — and how to check yours.

UK Debt Team · June 2026

Need help with your debt?

Whatever your situation, taking the first step is the hardest part. We're here to make it easier.

Privacy Policy

Privacy Policy

How we collect, use, and protect your personal information.

Who We Are

UK Debt Team is a trading style of Regenerate EI Limited. We can be reached using the following contact details:

Why We Collect Your Information

We collect your personal information to assist you in finding trusted debt help companies. Once we gather the necessary details about your financial circumstances, we aim to pass this information to a panel of FCA-regulated advisors who can provide the assistance you need.

As part of this process, we may request supporting documents (such as bank statements, income evidence, or other relevant documents) to conduct a thorough assessment of your situation. These documents will be securely deleted within 24 hours of being received, ensuring your sensitive information is not retained longer than necessary.

Additionally, we may use your personal information to send marketing communications about similar products and services that may be of interest to you. These communications will be sent via email. You have the right to object to or unsubscribe from marketing communications at any time. Each email will include an unsubscribe link for your convenience.

Who We Share It With

We share your personal information with suitable debt solution providers, including Insolvency Practitioners on our panel and not-for-profit debt advice organisations, to ensure you receive professional guidance.

Our trusted partners include:

We may also share your information with our regulated debt help partners listed above, regulatory bodies such as the FCA and HMRC if legally required, and professional advisors such as compliance consultants, lawyers, and accountants under strict confidentiality agreements where necessary.

How Long We Store It

Your personal information will be retained for up to six years after you cease to be our client. This retention period allows us to address any potential complaints within this time frame.

Supporting documents, however, will be securely deleted within 24 hours of being received.

If you do not object to marketing communications or unsubscribe from marketing emails, we will store your information for marketing purposes until you choose to unsubscribe or object.

Your Rights

You have the following rights regarding your personal information:

Right to Access

Request copies of your personal information.

Right to Rectification

Request corrections to any inaccurate information.

Right to Erasure

Request deletion of your information after services are completed or canceled.

Right to Restrict Processing

Request limited use of your information.

Right to Object

Object to the collection and use of your information.

Right to Data Portability

Obtain a copy of your information in a compatible format, such as Excel or Word.

You can exercise any of these rights by contacting us using the details provided above.

How to Lodge a Complaint

If you wish to make a complaint about the use of your personal information, you can contact us directly using the details above. Alternatively, you can lodge a complaint with the Information Commissioner's Office (ICO):

Complaints

Complaints Handling Policy

How we handle and resolve complaints fairly and transparently.

Cookie Declaration

Below is a full list of the cookies used on this website, automatically updated by Cookiebot.

Complaints Procedure

UK Debt Team (a trading style of Regenerate EI Limited) is committed to providing a high standard of service. If you are unhappy with any aspect of the service you have received from us, we want to hear about it so we can put things right.

This complaints procedure applies to the referral service provided by UK Debt Team. If your complaint relates to the debt advice or debt solution itself, this should be directed to the regulated debt advice provider you were referred to, as they are responsible for the advice and services they provide.

How to Make a Complaint

You can contact us in the following ways:

Telephone: 0161 388 7597
Lines open 10am–7:30pm Mon–Thu, 10am–4pm Fri

Email: [email protected]

Post: Complaints Department, Regenerate EI Limited,
312 Ripponden Road, Oldham, England, OL4 2NY

Please provide your full name, contact details, a clear description of your complaint, and what you would like us to do to resolve it.

What Happens Next

We will acknowledge your complaint within three working days of receiving it.

We will investigate your complaint thoroughly and fairly. This may involve reviewing records of our interactions with you, speaking with relevant staff members, and examining the circumstances of your case.

We aim to provide you with a full written response within eight weeks of receiving your complaint. If we are unable to resolve the matter within this time frame, we will write to you explaining the reasons for the delay and give you an expected date for our final response.

Our Response

Our final response will set out clearly the outcome of our investigation, including whether we uphold your complaint in full, in part, or not at all. Where we have identified that something went wrong, we will explain what we will do to put it right.

If your complaint relates to a matter outside our control, such as advice or services provided by one of our partner companies, we will direct you to the appropriate complaints procedure for that organisation.

If You Are Not Satisfied

If you are not satisfied with our final response, or if eight weeks have passed since you first raised your complaint and you have not received a final response, you may refer your complaint to the Information Commissioner's Office (ICO) if it relates to data protection, or seek independent legal advice.

You may also wish to contact Citizens Advice or seek legal advice if you believe you have not been treated fairly.

Our Commitment

We treat all complaints seriously and use them as an opportunity to improve our service. All complaints are recorded and reviewed regularly by senior management to identify any patterns or areas where our service can be improved.

UK Debt Team is a trading style of Regenerate EI Limited. ICO Registration Number: ZB653358.

Terms & Conditions

Terms & Conditions

The terms that govern your use of our website and services.

About Us

UK Debt Team is a trading style of Regenerate EI Limited, a company registered in England and Wales.

Registered Address: Regenerate EI Limited, 312 Ripponden Road, Oldham, England, OL4 2NY
Email: [email protected]
Telephone: 0161 388 7597

Our Role

UK Debt Team acts as an introducer service.

We help connect individuals seeking debt help with a carefully selected panel of debt advice providers, including Insolvency Practitioners and other organisations.

We do not provide debt advice, financial advice, or credit services ourselves. Any advice or solutions are provided solely by the third party partner you are introduced to.

No Advice Provided

The information on this website is provided for general guidance only and should not be considered financial or debt advice.

Any decision you make following contact with one of our partners is made between you and that provider. It is important that you fully understand any solution offered before proceeding.

Partner Responsibility

Once you are introduced to a third party provider:

UK Debt Team is not responsible for the advice given, the outcome of any solution, or any agreement entered into with a third party.

Consent to Contact

By submitting your details through our website or contacting us directly, you agree that:

You can request to stop communications at any time.

Data Protection

We handle your personal data in accordance with our Privacy Policy.

This includes how we collect, use, store, and share your information with trusted partners.

Website Use

While we aim to ensure all information on this website is accurate and up to date:

You agree not to misuse this website or attempt to gain unauthorised access to any part of it.

Limitation of Liability

To the fullest extent permitted by law, UK Debt Team will not be liable for:

Nothing in these terms limits liability where it would be unlawful to do so.

Third Party Links

This website may contain links to third party websites.

We are not responsible for the content, accuracy, or policies of these external sites.

Changes to These Terms

We may update these Terms and Conditions from time to time.

Any changes will be posted on this page and will take effect immediately.

Governing Law

These Terms and Conditions are governed by the laws of England and Wales.

Any disputes will be subject to the jurisdiction of the courts of England and Wales.

Contact Us

If you have any questions about these Terms and Conditions, please contact us:

Email: [email protected]

Telephone: 0161 388 7597

UK Debt Team is an introducer, not a debt help provider. Free, impartial debt help: MoneyHelper · StepChange · National Debtline
4.5 ★★★★★ on Trustpilot
100% Confidential · Free to use

Council tax Credit card debt HMRC debt Loan debt Overdraft debt Utility debt Bailiff pressure Council tax
doesn't have to control your life.

When debt starts to feel like too much, we put you in touch with a regulated debt help specialist who treats you like a person, not a case number. No pressure. No judgement. No charge to talk.

✓ Free & no obligation ✓ Regulated UK partners ✓ Real people, no bots
A friendly regulated debt help specialist ready to help
Trusted by thousandsof UK households every year
7.4M
UK adults behind on a household bill
£16.3bn
Unpaid UK council tax arrears
4.5★
Trustpilot rating
100%
Free & confidential
A UK family at home, together and relaxed
What we do

We're the bridge between you and real help.

UK Debt Team isn't a debt help provider. We're an introducer — our job is to listen, understand your situation, and connect you with a regulated UK specialist whose work is actually solving the problem.

No sales pressure from us, no cost to you, and a conversation with someone who's seen your situation before and knows what might work.

  • ✓ Only regulated UK partners — carefully selected
  • ✓ Your details stay confidential at every step
  • ✓ Free, impartial alternatives exist too (see below)
How we help

Debt support built around you

Three simple steps, from your first chat to ongoing support.

1
Step one

Speak to a regulated specialist

Your dedicated regulated partner will ask about what you're dealing with so we understand what help is right for you. No paperwork is needed.

Scroll for step 2 ↓
2
Step two

Explore your options

You'll get tailored guidance based on your circumstances. All available options presented simply, without any jargon.

Scroll for step 3 ↓
3
Step three

Continuous support

Things change — if they do, your regulated partner will be on hand to help you.

What's happening?

Pick the situation that sounds like yours

Tap the one closest to yours to read more about it.

Free benefits check

Are you getting the benefits you're due?

Lots of people struggling with bills don't realise they could get Universal Credit, or more of it. Answer a few quick questions for a rough monthly figure. It's free, takes about a minute, and nothing you enter is stored.

Universal Credit estimate About 1 minute

Let's see what you could get

Up to eight quick taps. The figures come from GOV.UK.

Who do you live with?

How old are you?

How many children live with you?

Where do you live?

How much rent do you pay each month?

Rent only, not bills like gas or electric.

What do you take home from work each month?

After tax. Leave it at 0 if nobody is working.

Roughly how much do you have in savings?

This is a rough guide using current GOV.UK Universal Credit rates, not benefits advice or a decision on what you will get. Only the DWP can work out your award. It leaves out some things, such as disability, caring, childcare costs, local rent limits and deductions. For a full check, use a free independent calculator: entitledto or Turn2us.

A couple going through their household bills together
Our customers

Real reviews from real people

Verified reviews on our Trustpilot page.

★★★★★

I didn't expect this to be so great

I clicked the advert, then went back to burying my head in the sand. Thankfully a delightful lady named Elaine messaged me, there was no pressure but just checked in. The empathy and relatability was incredible — I've exhaled fully for the first time in three years. I'm opening all my curtains tomorrow and I feel so much lighter!

Wayne · verified Trustpilot review
★★★★★

People, get in touch. You are not on your own.

I spoke to Adam who was supportive, helpful and understood my situation and took a massive weight off my shoulders. I feel free to live and go out again and not worry about bailiffs. Get in touch — I'm sure the rest of the Debt team are just as capable and effective.

Andrew · verified Trustpilot review
★★★★★

Thank you!

This could've been a really awful process for me as I was in such a mess, not just financially, but with everything! Elaine has been consistently available to help me with any questions, she has made me feel in control of everything that has happened, and has had many kind words.

Hannah · verified Trustpilot review
★★★★★

I was feeling so worried and nervous

I was feeling so worried and nervous. I can't sleep and I'm struggling to eat. The team today has made me feel like there is hope — like it's ok to worry, but that there may be light at the end of a dark tunnel. They've taken time to be empathetic and caring and so very kind.

Fleur · verified Trustpilot review
★★★★★

They have made me sleep that bit better

They have made me sleep that bit better knowing I'm sorting my debt out. Great team — they see through to the end. Thank you very much, so glad I clicked that button!

Sylvia · verified Trustpilot review
★★★★★

The UK Debt Team were amazing

So friendly and talked me through everything. Being an anxious person I was so nervous dealing with this — but they understood, took their time and were so patient with me. Even with my speech difficulties they couldn't have been more helpful.

Michelle · verified Trustpilot review
Common questions

Answered simply

If something's not covered, just get in touch.

Will this affect my credit score?
It depends on the route you take. Some options — like informal budgeting help, a Breathing Space period or self-managed arrangements — don't appear on your credit file. Others, like formal insolvency solutions, usually do and can stay for around 6 years. If you're already missing payments, your score may already be being affected. The specialist we introduce you to will walk you through the options and explain how each one would affect your credit so you can make an informed choice.
How much does this cost me?
Our introduction service is completely free. If you go ahead with a specific debt solution, there may be fees — but these will always be explained to you upfront, and you're never obligated to proceed.
Is UK Debt Team FCA-regulated?
UK Debt Team is an introducer, not a debt help provider. We only connect you with carefully-selected regulated UK partners who are properly accountable for the help you receive. Details of our partners are set out in our privacy policy.
What if I'm already being chased by bailiffs?
The specialists we introduce you to deal with this often. There are routes — like Breathing Space — that can pause enforcement action immediately while you work out next steps. The sooner you talk to someone, the more options you'll have.
Can I just use the free services like StepChange?
Absolutely — and we encourage it. MoneyHelper, StepChange, Citizens Advice and National Debtline all offer free, impartial debt help. We're not an alternative to them, just another route if you'd like a specialist to walk you through the options in detail.
How quickly will someone call me back?
We aim to get to every enquiry as soon as we possibly can. We do receive high volumes some days, so if your situation is urgent — a bailiff visit expected, a court date imminent, a utility about to be cut off — WhatsApp us as well as submitting the form and we'll prioritise it. For everyone else, expect to hear from a real person within a few working hours.

Ready for a real conversation?

Takes a minute. No sign-up. No credit check. No obligation.

Get in touch now

About UK Debt Team

A safe and trusted route to reliable debt help. UK Debt Team is built by people who understand the sector, for people who don't.

Our purpose

UK Debt Team was created with one clear purpose in mind, to make it easier for people to find a safe and trusted route to debt help when they need it most.

Founded by two industry veterans with a deep understanding of the debt advice sector, the business was built on years of experience seeing how confusing and uncertain things can feel for people trying to find debt help. When you are already dealing with financial pressure, the last thing you need is to question who you can trust or whether you are being guided in the right direction.

The problem we solve

There are many organisations offering debt help, but not all operate to the same standards. For someone searching for debt help, it can be difficult to know where to turn, who is genuine, and what the next step should be. That uncertainty often leads to delays, added stress, and in some cases, people not reaching out at all.

UK Debt Team exists to simplify that process.

How we work

Rather than providing advice directly, the focus is on connecting individuals with carefully selected, fully regulated debt advice partners. Every partner is chosen based on their standards, approach, and commitment to treating people fairly. This means that when you take that first step, you can feel confident that you are being introduced to organisations that are properly authorised and operate with integrity.

A safe starting point

The approach is built around creating a safe and supportive starting point. There is no pressure, no judgement and no expectation — just a clear and secure way to begin understanding your situation. For many people, even starting that conversation can feel like a big step, so everything is designed to feel as comfortable and straightforward as possible.

Breaking the silence

Over time, we have seen just how many people struggle in silence. Not because help is not available, but because the path to finding it is not always clear. Whether it is uncertainty around the process, concern about who to trust or simply not knowing where to begin — these barriers can make things feel far more overwhelming than they need to be.

That is why clarity and trust sit at the centre of everything we do.

A clear direction

By working only with regulated partners and focusing on a simple, transparent approach, UK Debt Team helps remove some of that uncertainty. It is about giving people a clearer route forward, without adding to the pressure they may already be feeling.

Every situation is different, and everyone's circumstances are personal. What remains the same is the need for a place that feels safe to start.

UK Debt Team is here to provide that starting point.

Your first step starts here.

UK Debt Team exists to make finding trusted debt help simple, safe, and stress-free.

Latest News & Blogs

Industry news, regulatory updates, and our own factual guides on UK debt solutions in one place.

Important Nothing on this page is debt advice. The information below is factual only. UK Debt Team is an introducer and referral service, not a debt advice provider. Free regulated debt advice is available from MoneyHelper, StepChange, Citizens Advice and National Debtline.
IVA 2025 Protocol update
Blog IVA

The new IVA Protocol 2025 explained

The Insolvency Service introduced a revised IVA Protocol on 1 July 2025 following research that found 60 per cent of terminated IVAs showed evidence of poor practice. The changes introduce a new key facts document and tighter suitability requirements.

Insolvency Service · July 2025
DRO 2024 changes
Blog DRO

Debt Relief Orders: the 2024 changes explained

From April 2024 the £90 application fee was abolished. From June 2024 the debt threshold doubled from £30,000 to £50,000 and the vehicle value limit rose from £2,000 to £4,000, widening eligibility.

Insolvency Service · June 2024
£75 · £235 Fixed by law
Blog Council Tax

Enforcement agent fees for council tax: the facts about fixed charges

Under the Taking Control of Goods (Fees) Regulations 2014 the fees enforcement agents can charge are fixed by law. A compliance stage letter costs £75. If they visit the property, a further £235 applies, plus a percentage of any debt over £1,500.

GOV.UK · Regulations 2014
71,855 IVAs in 2025
Blog IVA Statistics

71,855 IVAs registered in England and Wales in 2025

According to Insolvency Service statistics, IVA registrations rose to 71,855 in 2025, up from 67,089 in 2024. IVAs accounted for 57 per cent of all individual insolvencies in 2025, with six firms accounting for the majority of cases.

Insolvency Service · February 2026
89,130 Breathing Spaces 2025
Blog Breathing Space

Breathing Space registrations hit record in 2025

According to Insolvency Service statistics, 89,130 Breathing Spaces were registered in 2025 — the highest annual total since the scheme was introduced in May 2021.

Insolvency Service · January 2026
60 days Creditor protection
Blog Breathing Space

Breathing Space: the 60-day protection explained

The Debt Respite Scheme (Breathing Space) gives eligible people 60 days of protection from creditor action, interest and charges while they get debt advice. It is available through a regulated debt adviser and was introduced in May 2021.

GOV.UK · Debt Respite Scheme

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Whatever your situation, taking the first step is the hardest part. We're here to make it easier.

Privacy Policy

How we collect, use, and protect your personal information.

Who We Are

UK Debt Team is a trading style of Regenerate EI Limited (ICO Registration Number: ZB653358). We are a lead generation and referral service. We do not provide debt advice directly. We connect individuals with regulated debt advice providers from our panel.

  • Email: [email protected]
  • Telephone: 0161 388 7597
  • Address: Regenerate EI Limited, 312 Ripponden Road, Oldham, England, OL4 2NY

Why We Collect and Use Your Personal Information

We collect your personal information so that we can connect you with a suitable regulated debt advice provider from our panel. The information we collect typically includes your name, contact details, and a brief overview of your financial situation. This allows our partners to understand your circumstances and provide the appropriate help.

We do not provide debt advice, assess your financial documents, or make recommendations on specific debt solutions. Our role is limited to referring you to a suitably qualified partner.

We may also use your personal information to send you marketing communications about similar services that may be of interest to you. These communications will be sent via email or telephone. You have the right to opt out of marketing communications at any time. Each email will include an unsubscribe link for your convenience, and you can request removal from telephone marketing by contacting us directly.

Our Legal Basis for Processing

We process your personal information on the following legal bases under UK GDPR:

  • Consent: Where you have provided your consent for us to contact you and share your details with our partners.
  • Legitimate interest: Where it is in our legitimate business interest to process your data in order to provide our referral service, provided this does not override your rights.
  • Legal obligation: Where we are required to process or retain your data to comply with a legal obligation.

Who We Share Your Personal Information With

We share your personal information with suitable regulated debt advice providers and Insolvency Practitioners from our panel, as well as not-for-profit debt advice organisations, to ensure you receive professional guidance.

Our trusted partners include:

  • Care About Money Limited
  • Arkle Insolvency Limited (Company No. 13068468, ICO ZA826877)

We may update this list from time to time as our panel changes. We will only share your information with partners who are appropriately regulated and who have agreed to handle your data in accordance with UK data protection law.

We may also share your information with regulatory bodies such as the FCA, HMRC, or the ICO if legally required to do so. Professional advisors such as compliance consultants, lawyers, and accountants may access your information under strict confidentiality agreements where necessary.

How Long We Store Your Personal Information

Your personal information will be retained for up to six years after our last interaction with you. This retention period allows us to address any potential complaints or legal claims that may arise within this time frame.

If you have opted in to marketing communications and do not subsequently unsubscribe or object, we will retain your information for marketing purposes until you choose to opt out.

Once the applicable retention period has expired, your data will be securely deleted or anonymised.

Your Rights in Relation to Your Personal Information

Under UK data protection law (UK GDPR), you have the following rights regarding your personal information:

  • Right to Access: Request a copy of the personal information we hold about you.
  • Right to Rectification: Request correction of any inaccurate or incomplete information.
  • Right to Erasure: Request deletion of your information where there is no compelling reason for us to continue processing it.
  • Right to Restrict Processing: Request that we limit how we use your information.
  • Right to Object: Object to the processing of your information, including for direct marketing purposes.
  • Right to Data Portability: Request a copy of your information in a structured, commonly used, machine-readable format.
  • Right to Withdraw Consent: Where processing is based on your consent, you may withdraw that consent at any time without affecting the lawfulness of processing carried out before withdrawal.

To exercise any of these rights, please contact us using the details provided above. We will respond to your request within one month.

Cookies

Our website uses cookies to improve your browsing experience and to help us understand how the site is used. You can manage your cookie preferences through your browser settings at any time.

How to Lodge a Complaint

If you wish to make a complaint about the use of your personal information, please contact us directly using the details above. We will investigate your complaint and respond as quickly as possible.

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):

This policy was last updated in March 2026. ICO Registration Number: ZB653358.

Complaints Handling Policy

How we handle and resolve complaints fairly and transparently.

Complaints Procedure

UK Debt Team (a trading style of Regenerate EI Limited) is committed to providing a high standard of service. If you are unhappy with any aspect of the service you have received from us, we want to hear about it so we can put things right.

This complaints procedure applies to the referral service provided by UK Debt Team. If your complaint relates to the debt advice or debt solution itself, this should be directed to the regulated debt advice provider you were referred to, as they are responsible for the advice and services they provide.

How to Make a Complaint

You can contact us in the following ways:

By telephone: 0161 388 7597. Lines are open between 10am and 7:30pm Monday to Thursday and 10am to 4pm Fridays (excluding bank holidays). Calls are charged at your provider's standard rate.

By email: [email protected]

By post:

Complaints Department
Regenerate EI Limited
312 Ripponden Road
Oldham, England
OL4 2NY

When making a complaint, please provide your full name, contact details, a clear description of your complaint, and what you would like us to do to resolve it.

What Happens After You Complain

We will acknowledge your complaint within three working days of receiving it.

We will investigate your complaint thoroughly and fairly. This may involve reviewing records of our interactions with you, speaking with relevant staff members, and examining the circumstances of your case.

We aim to provide you with a full written response within eight weeks of receiving your complaint. If we are unable to resolve the matter within this time frame, we will write to you explaining the reasons for the delay and give you an expected date for our final response.

Our Response

Our final response will set out clearly the outcome of our investigation, including whether we uphold your complaint in full, in part, or not at all. Where we have identified that something went wrong, we will explain what we will do to put it right.

If your complaint relates to a matter outside our control, such as advice or services provided by one of our partner companies, we will direct you to the appropriate complaints procedure for that organisation.

If You Are Not Satisfied

If you are not satisfied with our final response, or if eight weeks have passed since you first raised your complaint and you have not received a final response, you may refer your complaint to the Information Commissioner's Office (ICO) if it relates to data protection, or seek independent legal advice.

You may also wish to contact Citizens Advice or seek legal advice if you believe you have not been treated fairly.

Our Commitment

We treat all complaints seriously and use them as an opportunity to improve our service. All complaints are recorded and reviewed regularly by senior management to identify any patterns or areas where our service can be improved.

UK Debt Team is a trading style of Regenerate EI Limited. ICO Registration Number: ZB653358.

Terms & Conditions

The terms that govern your use of our website and services.

About Us

UK Debt Team is a trading style of Regenerate EI Limited, a company registered in England and Wales.

Registered Address: Regenerate EI Limited, 312 Ripponden Road, Oldham, England, OL4 2NY
Email: [email protected]
Telephone: 0161 388 7597

Our Role

UK Debt Team acts as an introducer service.

We help connect individuals seeking debt help with a carefully selected panel of debt advice providers, including Insolvency Practitioners and other organisations.

We do not provide debt advice, financial advice, or credit services ourselves. Any advice or solutions are provided solely by the third party partner you are introduced to.

No Advice Provided

The information on this website is provided for general guidance only and should not be considered financial or debt advice.

Any decision you make following contact with one of our partners is made between you and that provider. It is important that you fully understand any solution offered before proceeding.

Partner Responsibility

Once you are introduced to a third party provider:

  • They are responsible for assessing your situation
  • They will provide any advice or recommendations
  • They are responsible for any products or services you choose

UK Debt Team is not responsible for the advice given, the outcome of any solution, or any agreement entered into with a third party.

Consent to Contact

By submitting your details through our website or contacting us directly, you agree that:

  • We may contact you regarding your enquiry
  • We may share your details with suitable partners from our panel
  • You may be contacted by us and our partners via phone, email, SMS, or WhatsApp

You can request to stop communications at any time.

Data Protection

We handle your personal data in accordance with our Privacy Policy.

This includes how we collect, use, store, and share your information with trusted partners.

Website Use

While we aim to ensure all information on this website is accurate and up to date:

  • We do not guarantee completeness or accuracy at all times
  • Content may be updated or changed without notice
  • We do not guarantee uninterrupted access to the website

You agree not to misuse this website or attempt to gain unauthorised access to any part of it.

Limitation of Liability

To the fullest extent permitted by law, UK Debt Team will not be liable for:

  • Any loss or damage arising from reliance on website content
  • Any loss resulting from services provided by third party partners
  • Any indirect or consequential loss

Nothing in these terms limits liability where it would be unlawful to do so.

Third Party Links

This website may contain links to third party websites.

We are not responsible for the content, accuracy, or policies of these external sites.

Changes to These Terms

We may update these Terms and Conditions from time to time.

Any changes will be posted on this page and will take effect immediately.

Governing Law

These Terms and Conditions are governed by the laws of England and Wales.

Any disputes will be subject to the jurisdiction of the courts of England and Wales.

Contact Us

If you have any questions about these Terms and Conditions, please contact us:

Email: [email protected]

Telephone: 0161 388 7597