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.
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.
Three simple steps, from your first chat to ongoing support.
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 ↓You'll get tailored guidance based on your circumstances. All available options presented simply, without any jargon.
Scroll for step 3 ↓Things change — if they do, your regulated partner will be on hand to help you.
Tap the one closest to yours to read more about it.
Missed instalments, final notices, bailiff threats.
Learn more →Visits, letters, Notice of Enforcement.
Learn more →Cards, loans, overdrafts stacking up.
Learn more →Benefits-only, little spare, debts you can't realistically repay.
Learn more →Combine debts, freeze interest, breathe again.
Learn more →Debt beyond what any plan could realistically fix.
Learn more →Tax, VAT, self-assessment, overpaid tax credits.
Learn more →Gas, electric, water, broadband.
Learn more →Falling behind on bills can feel isolating. The specialists we introduce you to have heard every situation under the sun.
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 reviewI 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 reviewThis 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 reviewI 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 reviewThey 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 reviewSo 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 reviewTakes a minute. No sign-up. No credit check. No obligation.
Get in touch nowUK 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.
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.
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.
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.
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.
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.
UK Debt Team exists to make finding trusted debt help simple, safe, and stress-free.
Industry news, regulatory updates, and our own factual guides on UK debt solutions in one place.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Whatever your situation, taking the first step is the hardest part. We're here to make it easier.
There are a number of ways to manage your debts outside of formal insolvency solutions. From budgeting and negotiating directly with creditors to token payment plans, settlement offers and debt consolidation — understanding your options is the first step towards taking back control.
Self Help means taking control of your debts by understanding what you owe, creating a budget, and contacting your creditors directly to negotiate reduced payments or breathing space.
It is the first step many people take, and for some, it is enough to get things back on track without needing a formal debt solution.
Self Help may be suitable for you if your debts are manageable but you have lost track, you need help creating a budget or if your financial difficulty is only short term. It can also be suitable if your standard of living is affected by too much going out each month on debt repayments.
Self Help requires time and confidence to contact creditors yourself. Not all creditors will agree to reduced payments, and interest and charges may continue to build. There is no legal protection from creditor action, so if your situation worsens, you may need to seek professional debt advice.
Advantages
Disadvantages
A Token Payment Plan is an informal, short-term arrangement where you pay a small amount, usually £1 per month, to each creditor. It is designed to buy you time while you work out a longer-term plan for your debts.
A TPP shows your creditors that you are engaging with your debt and acting in good faith, even if you cannot afford full payments right now. It is not a debt solution in itself, but it can ease pressure from creditors while you seek professional advice or wait for a change in your financial circumstances. Most TPPs last for up to 12 months.
A TPP is not legally binding and creditors are not obligated to accept token payments. Interest and charges may still be added to your debts during the arrangement. If your situation does not improve, you will need to explore other options.
A settlement offer involves approaching your creditors with a lump sum payment that is less than the total amount you owe, in exchange for having the remaining balance written off. This can be an option if you have access to a one-off amount of money, such as savings, an inheritance, or the proceeds from selling an asset like a property or vehicle.
Each creditor will decide individually whether to accept your offer. They are more likely to agree if the amount offered is reasonable compared to what they might recover through other means. A settlement can resolve a debt more quickly than many formal solutions, but it requires having the funds available upfront.
It is important to get any agreement in writing before making payment. Once the settlement amount is paid, the creditor should confirm the debt is fully satisfied. Your credit file may still show the account as partially settled rather than paid in full. You should seek professional advice before making settlement offers, particularly if you have multiple debts.
Debt consolidation involves taking out a single new loan and using it to repay all of your existing debts. The idea is that you end up with one monthly payment instead of several, ideally at a lower interest rate than you were paying across your individual debts.
This approach can simplify your finances and make budgeting easier. However, it is important to understand the risks before proceeding. If the new loan is secured against your home, you could lose your property if you are unable to keep up with repayments. Even unsecured consolidation loans may extend the time it takes to become debt-free, meaning you could pay more in total interest over the longer term.
Debt consolidation is not suitable for everyone. If you are already struggling to meet your existing payments, taking on a new loan may not resolve the underlying problem. A regulated debt adviser can help you understand whether consolidation makes sense in your circumstances, or whether an alternative solution would be more appropriate.
If informal options are not enough to resolve your situation, a regulated debt adviser can assess your full circumstances and help identify the right formal solution for you.
How we collect, use, and protect your personal information.
UK Debt Team is a trading style of Regenerate EI Limited. We can be reached using the following contact details:
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.
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.
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.
You have the following rights regarding your personal information:
Request copies of your personal information.
Request corrections to any inaccurate information.
Request deletion of your information after services are completed or canceled.
Request limited use of your information.
Object to the collection and use of your information.
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.
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):
How we handle and resolve complaints fairly and transparently.
Below is a full list of the cookies used on this website, automatically updated by Cookiebot.
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.
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.
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 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 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.
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.
The terms that govern your use of our website and services.
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
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.
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.
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.
By submitting your details through our website or contacting us directly, you agree that:
You can request to stop communications at any time.
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.
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.
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.
This website may contain links to third party websites.
We are not responsible for the content, accuracy, or policies of these external sites.
We may update these Terms and Conditions from time to time.
Any changes will be posted on this page and will take effect immediately.
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.
If you have any questions about these Terms and Conditions, please contact us:
Email: [email protected]
Telephone: 0161 388 7597
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.
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.
Three simple steps, from your first chat to ongoing support.
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 ↓You'll get tailored guidance based on your circumstances. All available options presented simply, without any jargon.
Scroll for step 3 ↓Things change — if they do, your regulated partner will be on hand to help you.
Tap the one closest to yours to read more about it.
Missed instalments, final notices, bailiff threats.
Learn more →Visits, letters, Notice of Enforcement.
Learn more →Cards, loans, overdrafts stacking up.
Learn more →Benefits-only, little spare, debts you can't realistically repay.
Learn more →Combine debts, freeze interest, breathe again.
Learn more →Debt beyond what any plan could realistically fix.
Learn more →Tax, VAT, self-assessment, overpaid tax credits.
Learn more →Gas, electric, water, broadband.
Learn more →Falling behind on bills can feel isolating. The specialists we introduce you to have heard every situation under the sun.
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 reviewI 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 reviewThis 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 reviewI 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 reviewThey 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 reviewSo 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 reviewTakes a minute. No sign-up. No credit check. No obligation.
Get in touch nowUK 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.
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.
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.
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.
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.
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.
UK Debt Team exists to make finding trusted debt help simple, safe, and stress-free.
Industry news, regulatory updates, and our own factual guides on UK debt solutions in one place.
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.
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.
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.
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.
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.
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.
Whatever your situation, taking the first step is the hardest part. We're here to make it easier.
A legally binding agreement between you and your creditors to repay what you can afford over a fixed period, typically 5–6 years. Any remaining debt may be written off at the end.
An IVA is a formal debt solution that is a way to help you deal with money you owe. An Insolvency Practitioner (IP) looks at how much money you earn and what you spend, then works out a plan you can afford. They speak to the people you owe money to and ask them to agree to the plan. If most of them agree, the plan goes ahead and everyone legally sticks to it.
You then make one simple monthly payment that you can manage. The IP distributes the money between the people you owe. After a set amount of time (usually 5 years), if you've kept up with the plan, any remaining debt included in it can be written off.
An IVA may be suitable if you have debts of at least £6,000, a regular income and money left to offer your creditors monthly payments. You must also owe money to two or more companies.
An IVA will appear on your credit file for six years from the date your IVA starts. Details are entered on to a public register called the Insolvency Register. You must disclose all of your debts and stick to the agreed monthly payments. Your IP will charge fees but the fees come out of your monthly payments and are not additional to your agreed monthly payments.
Advantages
Disadvantages
An IVA is a formal insolvency solution. It will affect your credit rating and details will be entered on a public register. Not all debt solutions are suitable for everyone. Your adviser will explain all options and implications fully before you commit to anything.
An IVA isn't for everyone — but for those it suits, it can provide real relief. Speak to a regulated adviser to find out if it could work for your situation.
An informal arrangement where you make one reduced monthly payment, distributed to your creditors by a debt management company. It is flexible and can be adjusted or stopped at any time.
A DMP is arranged through a debt management company. They review your income and essential spending, then negotiate reduced payments with your creditors on your behalf and this will continue until the debts have been fully repaid.
A DMP may be right for you if you have multiple unsecured debts, can afford some repayment each month but not the full amount and want flexibility to adjust or stop the arrangement if your circumstances change.
A DMP is not legally binding, meaning that creditors don't legally have to stop contacting you and they don't have to stop taking further action against you. They legally don't have to stop all interest and charges although some might. Some providers may charge a fee for setting up and managing the DMP but this would be included in the amount you pay into your plan.
Advantages
Disadvantages
A DMP is an informal arrangement. Creditors are not obliged to freeze interest or charges, and the plan is not legally binding. Your adviser will explain all options and implications fully.
A Debt Management Plan offers flexibility without the formality of insolvency. Find out if it's the right fit by speaking to a trusted adviser.
A form of insolvency for people with low income, few assets and qualifying debts under £50,000. Debts are frozen for 12 months and may be written off if your situation hasn't improved.
A DRO can only be applied through an authorised debt adviser. Once approved by the Insolvency Service, your qualifying debts are frozen for 12 months - no payments needed, no interest added and no further creditor contact or further action.
At the end of the 12 month period, if your circumstances have not significantly improved, the debts included in the DRO are written off entirely.
To qualify, your total qualifying debts must be under £50,000, you must have no more than £2,000 in assets, own a vehicle worth more than £4000 and your disposable income must be £75 or less per month after essential living costs. You must not be a homeowner or have previously had a DRO in the last six years.
A DRO appears on your credit file for six years and it gets published on the public Insolvency Register. As of 6th April 2024, DROs have been made free to apply for. If your circumstances improve during the 12 month period, the DRO may be cancelled. Not all debts can be included in a DRO such as student loans, court fines and child maintenance arrears.
Advantages
Disadvantages
A DRO is a formal insolvency solution. It will affect your credit rating and details will be entered on a public register. Your adviser will explain all eligibility criteria and implications fully.
If you're on a low income with limited assets, a Debt Relief Order could write off your debts entirely. Let a regulated adviser check if you qualify.
A formal insolvency process that can write off debts you cannot repay. Most people are discharged within 12 months, though it carries serious implications, restrictions and consequences if you don't abide by its terms.
Bankruptcy is applied for online through the Insolvency Service at a cost of £680 per application. Once a bankruptcy order is made, an Official Receiver takes control of your financial affairs.
They will assess your income, assets, and debts. If you have surplus income, you may be asked to make payments for up to three years through an Income Payment Agreement. Most people are discharged from bankruptcy after 12 months.
Bankruptcy may be considered if you have debts you genuinely cannot repay, few to no assets and alternative debt solutions are not suitable for your situation. Bankruptcy is widely viewed as a last case resort but it can give you a relatively quick route to becoming debt free.
Bankruptcy appears on your credit file for six years and on the public Insolvency Register. Your assets, including your home, may be sold to repay creditors. Certain professions are restricted during bankruptcy. It can also affect your ability to obtain future credit.
Advantages
Disadvantages
Bankruptcy is a serious step with significant consequences. It should only be considered after professional advice. Your adviser will explain all implications fully before you make any decisions.
Applying for Bankruptcy is a serious to make but for some people, it can be the best route to a fresh start.
There are a number of ways to manage your debts outside of formal insolvency solutions. From budgeting and negotiating directly with creditors to token payment plans, settlement offers and debt consolidation — understanding your options is the first step towards taking back control.
Self Help means taking control of your debts by understanding what you owe, creating a budget, and contacting your creditors directly to negotiate reduced payments or breathing space.
It is the first step many people take, and for some, it is enough to get things back on track without needing a formal debt solution.
Self Help may be suitable for you if your debts are manageable but you have lost track, you need help creating a budget or if your financial difficulty is only short term. It can also be suitable if your standard of living is affected by too much going out each month on debt repayments.
Self Help requires time and confidence to contact creditors yourself. Not all creditors will agree to reduced payments, and interest and charges may continue to build. There is no legal protection from creditor action, so if your situation worsens, you may need to seek professional debt advice.
Advantages
Disadvantages
A Token Payment Plan is an informal, short-term arrangement where you pay a small amount, usually £1 per month, to each creditor. It is designed to buy you time while you work out a longer-term plan for your debts.
A TPP shows your creditors that you are engaging with your debt and acting in good faith, even if you cannot afford full payments right now. It is not a debt solution in itself, but it can ease pressure from creditors while you seek professional advice or wait for a change in your financial circumstances. Most TPPs last for up to 12 months.
A TPP is not legally binding and creditors are not obligated to accept token payments. Interest and charges may still be added to your debts during the arrangement. If your situation does not improve, you will need to explore other options.
A settlement offer involves approaching your creditors with a lump sum payment that is less than the total amount you owe, in exchange for having the remaining balance written off. This can be an option if you have access to a one-off amount of money, such as savings, an inheritance, or the proceeds from selling an asset like a property or vehicle.
Each creditor will decide individually whether to accept your offer. They are more likely to agree if the amount offered is reasonable compared to what they might recover through other means. A settlement can resolve a debt more quickly than many formal solutions, but it requires having the funds available upfront.
It is important to get any agreement in writing before making payment. Once the settlement amount is paid, the creditor should confirm the debt is fully satisfied. Your credit file may still show the account as partially settled rather than paid in full. You should seek professional advice before making settlement offers, particularly if you have multiple debts.
Debt consolidation involves taking out a single new loan and using it to repay all of your existing debts. The idea is that you end up with one monthly payment instead of several, ideally at a lower interest rate than you were paying across your individual debts.
This approach can simplify your finances and make budgeting easier. However, it is important to understand the risks before proceeding. If the new loan is secured against your home, you could lose your property if you are unable to keep up with repayments. Even unsecured consolidation loans may extend the time it takes to become debt-free, meaning you could pay more in total interest over the longer term.
Debt consolidation is not suitable for everyone. If you are already struggling to meet your existing payments, taking on a new loan may not resolve the underlying problem. A regulated debt adviser can help you understand whether consolidation makes sense in your circumstances, or whether an alternative solution would be more appropriate.
The options on this page are informal and do not provide legal protection from your creditors. If your debts feel unmanageable, or if creditors are taking action against you, a regulated debt adviser can help you explore all of the formal debt solutions available to find the right one for your circumstances.
If informal options are not enough to resolve your situation, a regulated debt adviser can assess your full circumstances and help identify the right formal solution for you.
A Protected Trust Deed is a legally binding agreement available only to Scottish residents. It allows you to make a single affordable monthly payment for a fixed period, typically four years, after which any remaining qualifying debt is written off.
A Trust Deed is a voluntary, legally binding agreement between you, your creditors and an appointed Trustee. Your income and expenditure are assessed using the Common Financial Tool (a statutory method used by insolvency practitioners to calculate your affordable monthly payments). Once complete, a single affordable monthly payment is agreed for a period of typically four years.
Once your creditors accept the proposal, the Trust Deed becomes Protected. This means creditors included in the agreement cannot pursue you for the debt, contact you or add further interest or charges. After 4 years, any remaining qualifying debt is written off.
Almost all unsecured debts can be included such as credit cards, personal loans, overdrafts, catalogues and store cards. The main debts that cannot be included are student loans, court fines and secured lending such as mortgages. A Trust Deed is not usually suitable if your only source of income is from benefits.
A Trust Deed may be suitable if you live in Scotland, have £5,000 or more in unsecured debt and are able to make regular, affordable monthly payments after essential living costs. You must be able to demonstrate that your debts are unaffordable and that you can commit to a monthly contribution for the term of the agreement.
Your affordability is assessed using the Common Financial Tool, which is used across all Scottish debt solutions. This ensures that your essential living costs are properly accounted for before any payment amount is agreed.
A Trust Deed is supervised by the Accountant in Bankruptcy (AiB) and recorded on the Register of Insolvencies, a publicly accessible register. Your credit rating will be affected for six years from the date the Trust Deed begins. If you own property, your Trustee will consider the equity and you may be required to release it or make alternative arrangements.
There are no upfront setup fees. All administration costs and Trustee fees are included within your agreed monthly payments and are not additional to what you pay. If a Trust Deed fails because payments are not maintained, sequestration may follow as a consequence.
Advantages
Disadvantages
A Protected Trust Deed can provide real relief if you live in Scotland and have unaffordable debts. Speak to a regulated adviser to find out if it could work for your situation.
UK Debt Team is a referral service. We do not provide debt advice. We connect you with carefully selected, regulated partners who will assess your situation and explain your options.
The Debt Arrangement Scheme is a Scottish Government-backed programme that lets you repay your debts in full at a pace you can genuinely afford, with all interest, fees and charges frozen from the date of approval.
DAS is a Scottish Government-backed scheme that allows you to repay your debts in full at a pace you can afford. A money adviser sets up a Debt Payment Programme (DPP) consisting of one affordable monthly or weekly payment distributed to your creditors.
Once approved, all interest, fees and charges on debts included in the programme are frozen. If you complete your DPP, those frozen charges are written off entirely. You can also apply for a moratorium of up to six months, during which creditors cannot take any legal action against you. This gives you breathing space while your application is being prepared.
Unlike Trust Deeds or Sequestration, DAS is not an insolvency solution. This means it carries fewer restrictions on your employment and financial activities. DAS does not require you to sell your home or assets — however, if you have existing mortgage or rent arrears, your home could still be at risk if those are not maintained. DAS is free to set up; fees are covered by creditors, not you.
DAS may be suitable if you live in Scotland, have any amount of debt and can afford to make at least some repayment each month. There is no minimum or maximum debt threshold. It is particularly suited to individuals who want to repay their debts in full but need more time and protection from creditor action while doing so.
DAS can also be a good option if your employment would be affected by other debt solutions. Some professions restrict employees who enter insolvency arrangements such as Trust Deeds or Sequestration, but a DPP under DAS does not carry the same restrictions because it is not a form of insolvency.
DAS is a non-insolvency solution. You must repay your debts in full, but all interest, fees and charges are frozen from the date of approval. Your credit rating will be affected for the duration of the programme. The length of your DPP depends on your total debt level and what you can afford to pay each month.
Your DPP will be registered on the DAS Register, a publicly accessible online register of all active programmes in Scotland. Creditors may object to the proposed programme if they consider it not to be fair and reasonable, but an independent DAS Administrator makes the final decision. If you do not keep up with the conditions of your DPP, it may be revoked and creditors would then be free to resume action against you.
Advantages
Disadvantages
DAS offers legal protection from creditors while you repay your debts in full at an affordable rate. Speak to a regulated adviser today to see if it suits your situation.
UK Debt Team is a referral service. We do not provide debt advice. We connect you with carefully selected, regulated partners who will assess your situation and explain your options.
Sequestration is a form of bankruptcy in Scotland for people who cannot repay their debts. Full administration sequestration generally requires £3,000 or more in unsecured debt. If your debt is lower, you may qualify for the Minimal Asset Process (MAP).
Sequestration is the Scottish term for bankruptcy. It is a legal process for individuals who cannot pay their debts as they become due. Once sequestrated, a Trustee is appointed to manage your financial affairs and realise your assets to provide a return to your creditors.
You are typically discharged from sequestration after 12 months, meaning most restrictions are lifted. However, if you have surplus income, your Trustee may require you to make contributions through a Debtor Contribution Order for up to four years from the date of the award.
To be eligible for full administration sequestration, you will usually need to owe £3,000 or more in unsecured debt and be unable to repay your debts as they fall due. If your debt is lower, you may instead qualify for the Minimal Asset Process (MAP).
Sequestration may be considered if you have debts of £3,000 or more that you cannot repay, other Scottish debt solutions are not suitable for your circumstances and you want a structured route to becoming debt-free. You must live in Scotland or have lived in Scotland within the past 12 months.
You must have apparent insolvency, which means you are unable to pay your debts as they fall due. You must also not have been sequestrated within the previous five years. A licensed money adviser will assess your situation and issue a Certificate of Sequestration if this is the right route for you.
During sequestration, your Trustee may require you to make a Debtor Contribution Order (DCO) for up to 4 years if you have surplus income. Your assets, including your home, may be sold to repay creditors. The Trustee also has a claim on assets acquired during the four-year acquirenda period, which includes inheritances, lottery winnings and compensation claims.
Certain restrictions apply during sequestration. You cannot act as a company director, hold certain public offices or obtain credit above £2,000 without informing the lender of your sequestration. If you already have debts of £1,000 or more, you must disclose your status when applying for credit of any amount. Sequestration appears on the Register of Insolvencies and affects your credit file for six years. Existing diligence such as earnings arrestments will stop having effect once the award is made.
Advantages
Disadvantages
Sequestration is a serious decision, but for some people it can be the most appropriate route to becoming debt-free. Speak to a regulated adviser to help you understand if it is the right solution for you.
UK Debt Team is a referral service. We do not provide debt advice. We connect you with carefully selected, regulated partners who will assess your situation and explain your options.
The Minimal Asset Process is a simplified route into sequestration designed for Scottish residents on low incomes with limited assets. It offers a quicker path to becoming debt-free, with discharge typically within six months.
MAP is a streamlined form of sequestration designed for people with low income and limited assets who are unable to repay their debts and have no realistic way of doing so. It was introduced to give individuals in these circumstances a faster and more accessible route to legal debt relief without the costs associated with Full Administration.
Once your application is approved by the Accountant in Bankruptcy (AiB), your qualifying debts are included in the process and creditors are required to stop pursuing you. Interest, fees and charges on included debts are frozen. You are typically discharged from MAP after six months, at which point your qualifying debts are written off. The AiB acts as Trustee throughout the process.
Unlike Full Administration sequestration, you do not need to make monthly contributions to your creditors under MAP, and there is no application fee.
To be eligible for the Minimal Asset Process, you must live in Scotland or have lived in Scotland within the past 12 months. Your total debts must be at least £1,500 but no more than £25,000. You must not be a homeowner or have any heritable property.
Your total assets, excluding a vehicle, must not exceed £2,000 and no single item can be worth more than £1,000. You may keep a vehicle if it is reasonably required and its value does not exceed £3,000. You must have little or no surplus income after meeting your essential living costs, or you must have been in receipt of certain qualifying social security benefits such as Universal Credit or Working Tax Credits for a minimum of six months.
You must not have been sequestrated within the previous five years, or entered MAP within the previous ten years. Your eligibility is assessed using the Common Financial Tool and must be confirmed by a licensed money adviser before an application can be submitted.
There is no application fee for the Minimal Asset Process. A licensed money adviser or insolvency practitioner must assess your financial circumstances and confirm your eligibility before an application can be submitted. The Common Financial Tool is used to evaluate your income and expenditure to ensure the correct solution is being recommended.
MAP appears on the Register of Insolvencies, which is publicly accessible, and will affect your credit rating for six years. The same restrictions that apply during Full Administration sequestration also apply under MAP — you cannot act as a company director, hold certain public offices or obtain credit above specified thresholds without disclosure.
If your financial circumstances improve significantly after entering MAP, you may be required to convert to Full Administration sequestration. This could involve an additional fee and regular monthly payments towards your debts for up to four years.
Advantages
Disadvantages
If you are on a low income with limited assets and debts under £25,000, the Minimal Asset Process could help you become debt-free within months. Speak to a regulated adviser to check your eligibility.
UK Debt Team is a referral service. We do not provide debt advice. We connect you with carefully selected, regulated partners who will assess your situation and explain your options.
If you've missed council tax payments or received a threatening letter, acting now can still make a real difference to what happens next.
Council tax debt affects millions of people across the UK. Unlike most other debts, councils have strong enforcement powers — they can instruct bailiffs, deduct the money owed from your wages or even apply for committal to prison in extreme cases.
But the earlier you seek help, the more options are available. Many people don't realise that council tax debt can be included in formal debt solutions.
It typically starts with reminder letters, then a court summons and liability order. After that, councils can instruct enforcement agents (bailiffs), apply for an attachment of earnings or deduct the money owed directly from your benefits.
Each stage adds costs. Acting before a liability order is granted gives you the most options — but even after one is in place, help is still available.
Contact your council to discuss affordable payment arrangements. Check whether you qualify for Council Tax Reduction. If the council doesn't allow you to make arrangements or demand unaffordable repayments, seek professional debt advice immediately before further action is taken.
Council tax arrears can be included in several formal debt solutions including an IVA, a DRO or bankruptcy. A regulated debt adviser will assess your full situation and explain which options are available to you.
If you're behind on your council tax, seeking professional debt advice is the best thing you can do, before it escalates.
Rising energy bills have pushed millions of households into arrears. If you're struggling, you are not alone.
The energy crisis has left millions of households in debt to their suppliers. This isn't a personal failing — it's a systemic problem affecting people across all income levels.
Whether you owe money to your current supplier or a previous one, there are steps you can take and protections you may not know about.
Energy suppliers cannot disconnect you if you're engaging with them and trying to pay. Prepayment meter rules have been strengthened. Water companies cannot disconnect domestic supplies at all.
You may be eligible for hardship funds, payment matching schemes, or the Warm Home Discount. Your supplier is required to offer you an affordable repayment plan.
Many suppliers have dedicated hardship teams and trust funds that can write off debt entirely. Charities like Turn2us and StepChange can help identify grants you may qualify for.
If energy bills are part of a wider debt problem, a regulated adviser can look at your whole financial picture and recommend the right solution.
Utility debts can be included in formal debt solutions like an IVA, DRO, or bankruptcy alongside other debts. Getting a full assessment ensures nothing is missed and you get the right support.
Growing gas and electric debts can run the risk of you being cut off and debt collection activity. Speak to one of our regulated debt advice partners today to prevent further action being taken.
If your salary arrives and disappears straight into your overdraft, you know how exhausting that cycle feels. Let's look at how to break it.
Overdrafts were designed in 1728, originally termed as “cash credit”. They were intended for short-term buffers but for millions of people today, they've now become permanent debt. Banks charge daily fees and interest that for some, it can be very difficult to climb out of without help.
The FCA has cracked down on unfair overdraft charges, but many people are still trapped in a cycle where their income barely covers the overdraft before the month begins.
Contact your bank about a formal repayment plan or reduced charges. Consider switching to a basic bank account with no overdraft facility. If you have other debts too, a full debt assessment can identify whether a structured solution would help.
Overdraft debt can be included in all formal and informal debt solutions. If you're juggling overdrafts alongside credit cards, loans, or other debts, addressing everything together is usually more effective than tackling them one by one.
Can I be taken to court over an overdraft? Yes, if it remains unpaid. Can I open a new bank account? Yes, basic accounts are available to everyone. Will my bank close my account? They may, but they must give you notice and you have options.
Overdrafts can be never ending. A regulated adviser can help you break that cycle.
Receiving a letter from HMRC can feel frightening. Tax debt carries serious enforcement powers, but the earlier you engage, the more options are open to you.
Approximately 2.26 million accounts owe tax to HMRC, with a combined total of over £27 billion. This includes self-assessment tax, PAYE underpayments, tax credit overpayments, and VAT arrears.
HMRC has significant enforcement powers including taking money directly from bank accounts, instructing bailiffs and making you bankrupt. But they also have a duty to consider your ability to pay.
Self-assessment debt, PAYE underpayments, and tax credit overpayments are all handled differently. HMRC's Time to Pay arrangement lets you spread payments over up to 12 months in many cases.
Some tax debts can be included in formal debt solutions like an IVA, DRO and Bankruptcy but the rules are complex. Professional debt advice is essential.
Don't ignore HMRC correspondence — it always gets worse. Call their payment support helpline on 0300 200 3835 to discuss a Time to Pay arrangement. If your tax debt is part of a wider problem, speak to a regulated debt adviser about your options.
Certain HMRC debts can be included in all formal solutions (IVA, DRO and Bankruptcy). Acting early is crucial to securing these arrangements as the HMRC are known for taking further action if the debt continues unpaid.
Don't feel scared about the HMRC, feel safe by speaking with a authorised partner today.
Personal loans, payday loans, guarantor loans — each carries different risks and different rules about what lenders can do.
A manageable personal loan and a spiralling payday loan are very different situations. The interest rates, terms, and enforcement options vary hugely depending on the type of loan.
What matters most is understanding your specific situation and knowing what protections and options apply to you.
Secured loans are tied to an asset like your car or home — missing payments can mean losing it. Unsecured personal loans, credit union loans and payday loans have different rules.
Guarantor loans affect another person's credit too. Logbook loans can result in your vehicle being seized. Knowing what type of debt you have is the first step.
Contact your lender about reduced payments or a payment holiday. Check if you were mis-sold payment protection insurance. If loan debt is part of a bigger problem, a full debt assessment can identify the right solution — whether that's a DMP, IVA, or another route.
Most unsecured loan debts can be included in all formal and informal debt solutions. High loan repayments can be a heavy burden to carry. If that's you then seek professional debt advice.
If you're up to date and struggling or in arrears with your loans and other debts, you need to know your options.
UK credit card debt reached £76.1 billion in 2025. If minimum payments feel like they're going nowhere, they probably are.
The average credit card balance is now £1,845 per active account. Minimum payments are designed to keep you in debt for as long as possible — a £3,000 balance at 22% APR would take over 25 years to clear paying only the minimum. This is what we call the minimum payment trap.
If you're only managing minimums across multiple credit cards, the situation is unlikely to improve on its own.
Most of your minimum payment goes towards interest, not the actual debt. Credit card companies profit from long repayment periods. Missing even one payment triggers penalty charges and can cause your interest rate to increase.
The longer you stay in the minimum payment cycle, the more you pay overall and the harder it becomes to escape.
A 0% balance transfer can buy time if your credit score allows it. A Debt Management Plan consolidates payments into one affordable monthly amount. An IVA can freeze interest and write off remaining debt after the agreed term.
Can creditors take my home? Not for unsecured credit card debt alone. Will my credit score be affected? Any debt solution will impact your credit file, but so will continued missed or late payments. Is there a minimum debt level for help? No — free regulated debt help is available whatever you owe.
Credit cards can be expensive and last for many years. Speak to a regulated adviser today to find out how to escape the cycle.
How we collect, use, and protect your personal information.
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.
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.
We process your personal information on the following legal bases under UK GDPR:
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:
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.
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.
Under UK data protection law (UK GDPR), you have the following rights regarding your personal information:
To exercise any of these rights, please contact us using the details provided above. We will respond to your request within one month.
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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.
How we handle and resolve complaints fairly and transparently.
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.
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.
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 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 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.
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.
The terms that govern your use of our website and services.
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
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.
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.
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.
By submitting your details through our website or contacting us directly, you agree that:
You can request to stop communications at any time.
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.
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You agree not to misuse this website or attempt to gain unauthorised access to any part of it.
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.
This website may contain links to third party websites.
We are not responsible for the content, accuracy, or policies of these external sites.
We may update these Terms and Conditions from time to time.
Any changes will be posted on this page and will take effect immediately.
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If you have any questions about these Terms and Conditions, please contact us:
Email: [email protected]
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