Also known as: National Debtline; Money Advice Trust
National Debtline is a free debt advice service operated by the Money Advice Trust, a registered charity. It provides free, confidential and impartial advice to people in England, Wales and Scotland who are struggling with debt.
National Debtline's advisers are trained debt counsellors. They can help you understand your debts, work out a budget, and explore your options — which may include payment plans, Debt Relief Orders, Individual Voluntary Arrangements or other solutions. Advice is available by phone on 0808 808 4000 (Monday to Friday 9am–8pm, Saturday 9.30am–1pm) and through their website and online debt tool.
National Debtline is authorised and regulated by the Financial Conduct Authority (FRN 618621) to provide debt advice. Its services are entirely free to the people who use them. It also runs Business Debtline for small businesses and self-employed people.
If you have been contacted by a debt collector or are struggling with any debt — credit card, loan, rent arrears, utility debt, or any other type — National Debtline can help you understand your options without any charge.
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 National Debtline’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Free, independent debt advice by telephone and online; debt factsheets; debt tool; advice on creditor negotiations and debt solutions
Trading names and group notes
Operated by the Money Advice Trust (charity reg. 1099506). Also runs Business Debtline (businessdebtline.org) for businesses and the self-employed. Not to be confused with National Debt Helpline or similar commercial names.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
Regulated charity. Not independently reviewed on commercial review platforms.
Overall public sentiment
National Debtline is one of the UK's most respected free debt advice services, widely recommended by the FCA, Citizens Advice and MoneyHelper.
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
2026-07-06
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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Money Advice Trust
National Debtline; Business Debtline; Wiseradviser
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