Free debt advice first. Then know what the letter says.
Free debt advice is available, and it's where to start. If you'd also like the letter and any form explained in plain English, with the dates on one page, we can do that.
Free debt advice. Don't pay for it.
- Citizens Advice.
Free, confidential advice. It says: “Don't pay for a DMP [debt management plan] – you can get one for free.” About Citizens Advice
Check your debt options - StepChange.
A debt charity: “Our advice is always free and impartial.”
StepChange - National Debtline.
A charity giving free debt advice by phone and webchat: 0808 808 4000.
National Debtline
What we can explain.
A letter before claim and reply form.
What's claimed, by whom, and the date to reply.
A demand or arrears letter.
The amounts, and what it says will happen next.
A credit or finance agreement.
The terms the letter relies on.
Court claim papers.
What they say, alongside free advice, never in place of it.
What a pack does, and doesn't do.
Does
- Explains what the papers say
- Lists every date and amount
- Writes your questions for a debt adviser
Doesn't
- Advise on your debts or which option to choose
- Tell you whether or how much to pay
- Contact anyone you owe
If you want the letter explained.
Launch price £49 for up to 10 pages. Standard price £99 from 1 February 2027.Standard price £99 from 1 February 2027
£49
up to 10 pages. Most letters fit.
Free advice may be all you need. A pack is there if you'd like the paperwork explained and your questions ready first.