Also known as: National Debtline; Business Debtline; Wiseradviser
The Money Advice Trust is a UK charity that provides free debt advice and money guidance through two main services: National Debtline and Business Debtline.
National Debtline is the most well-known service. It provides free, expert, and confidential debt advice by phone and online to anyone in the UK who is struggling with personal debt. You can call National Debtline on 0808 808 4000 or use their online advice tool to get guidance on dealing with creditors, understanding debt solutions, and knowing your rights.
Business Debtline provides free debt advice specifically for sole traders and small business owners, helping people manage both business and personal debt related to their business.
The Money Advice Trust also produces practical factsheets and guides on topics such as dealing with bailiffs, responding to court claims, and understanding debt solutions. These are available free on the National Debtline website.
As a charity, the Money Advice Trust does not charge for any of its services. It is funded by voluntary contributions from creditors, local authorities, and other organisations. It is regulated and accredited by the relevant professional bodies.
If you are struggling with debt — whether personal debt, household bills, or business-related — National Debtline is one of the best places to go for free, confidential, and reliable advice. Call 0808 808 4000 or visit nationaldebtline.org. There is no charge and no obligation to use any particular debt solution.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
Free regulated debt advice — start here
If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Money Advice Trust’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Free debt advice (National Debtline); Free business debt advice (Business Debtline); Adviser training (Wiseradviser); Policy and research; Debt awareness campaigns
Trading names and group notes
Independent registered charity. Charity Commission registration 1099506. Companies House 04741583. National Debtline is its primary consumer-facing advice service.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
No review data available.
Other review sources
Widely regarded as one of the UK's most trusted free debt advice services. Sector and FCA-recognised.
Overall public sentiment
Strong positive sector reputation. Free national debt helpline with high credibility. Limited consumer review platform presence as a charity.
Get free qualified debt advice first
Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.
Organise your budget before making any decisions
Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.
Explore Ask Fin — £4.99/monthGeneral guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
StepChange Debt Charity
StepChange; Consumer Credit Counselling Service (formerly)
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PayPlan Limited
PayPlan; Totemic Limited (FCA-authorised trading entity)
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The Debt Advisor Limited
The Debt Advisor; The Business Debt Advisor
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Citizens Advice
Citizens Advice Bureau (historical); Citizens Advice
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