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Over a quarter of people

we see (26%) are in debt with credit or store cards.


In London, thousands of people struggle to pay their credit or store card bills. In fact, it’s one of the most common types of debt we see. Last year, over a quarter of those we helped had fallen behind on card repayments. That’s why we offer quality, face-to-face advice to help people get back on track.

Debt Free London provides free, independent and expert support on all kinds of money worries, including credit and store card difficulties.

Our trained and accredited advisors can work with you and your card companies to assess your options and come up with a suitable repayment plan. We can help you avoid costly court appearances and bailiff fees. And we can work with you to reduce your household spending and other outgoings – so you won’t rack up more debt on your cards in the future.

Get in touch with our team today by calling 0808 164 2480 or filling in our short assessment form.

What to expect


  1. We’ll use the information you’ve given us on the phone or in your assessment form to establish the nature and urgency of your debt.
  2. We’ll book you in for a face-to-face appointment at your nearest centre – or a telephone advice session if required – so we can give you a detailed analysis of the help available to you.
  3. We’ll discuss your options and talk through the pros and cons of each.
  4. We’ll establish the best possible solution and help you to resolve your debt – whether that’s by means of advocacy, representation or negotiation on your behalf, or by helping you write letters and supporting you throughout the process.

Every year, we help thousands of people to become debt free.

Debt Free London is a partnership of 26 debt charities led by Toynbee Hall, which provides free, trustworthy advice sessions across London. Our service is funded by the Single Finance Guidance Body (previously Money Advice Service) and we’re authorised and regulated by the Financial Conduct Authority.

Find your nearest advice centre


Research has also shown that people who talk about money feel less stressed or anxious and more in control.


Write down everything that you owe - this might seem overwhelming but facing up to what you owe will help in the long run.


Make sure to pay priority bills and debts such as mortgage, rent and energy payments before secondary debts like overdrafts, personal loans, credit cards.


While it can be tempting to use high-cost credit options like payday loans, if you do need to borrow, then shop around and consider more affordable options like credit unions.


A good way to understand how much you can afford to pay back each month is to write down what your income is and list all your expenditure. 

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