Solve your debt problems
Get free, confidential and independent advice on how to deal with debt problems.
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Help - I'm in debt
Don't panic - go to the Debt Advice Bureau for help with finding the best ways to meet your debt commitments.
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Debt consolidation
Here is some advice for borrowers considering taking out a debt consolidation loan. As well as working out what you can afford to repay each month, consider the following:

Are you clear in your mind about what debt consolidation is, and what alternative ways there might be of dealing with your debt? Is debt consolidation the best way?

Know the interest rate and APR of the loan, and whether it is variable.

Find out what the overall cost of the loan will be.

What are the monthly repayments?

What is the penalty if you miss a repayment?

If it becomes possible for you to repay the debt early, is there any early repayment penalty?

If your home is to be used as security, what will happen if you miss one or more repayments?

Are there any circumstances under which the repayment rate might change?

If you need advice on debt consolidation or alternatives, consult other Buyer’s Tips on this page.

Consumer information on debt
This section of the FSA website is designed to answer a substantial series of frequently asked questions on credit and debt, such as "What’s the best way for me to borrow?" and "What can I do to sort out my debts?"

Financial Services Authority >

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