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We understand that getting into debt can be a frightening and challenging time and that many people end up in this situation through no fault of their own.

Our recommendations on how you should take the first few steps in resolving your situation are:

  • Firstly, don't ignore the problem - it won't go away but we can help you through it.
  • Only listen and take advice from organisations that are trained and experienced in helping people with difficult financial situations. We have provided a list at the bottom of this page. Many online chat forums may offer opinion that is incorrect or not suited to your circumstances.
  • It is in everyones best interest to deal with your debts straight away - delaying may increase the amount of the debt you owe or lead to legal action. In the long term this may affect your ability to get credit for things such as mortgages, finance, mobile phone and TV subscriptions.

At LRC, we want to work with you to resolve your financial situation. We offer a variety of ways to make a payment to suit you such as credit and debit card payments, Direct Debit, BACS, cheque and by barcode at over 300,000 PayPoint outlets.

We also can look at creating a monthly repayment plan specifically for you. We will look at your personal circumstances and take information such as your income, outgoings and earnings into account, we will arrange a plan that we believe is for a reasonable amount and period of time to repay.

Need to make a payment?

Click here to make a payment or call us on 0330 024 6350 to make a payment with credit or debit card over the phone.
  • Please be aware that your credit card provider may charge you a fee or interest for using the card to make a payment. If you are unsure, please check with your provider.

Free Debt Advice Organisations

These organisations provide free debt advice, should you require this.
Organisation Address Telephone Website
Money Advice Service The Money Advice Service
Holborn Centre
120 Holborn
London
EC1N 2TD
0300 500 5000 https://www.moneyadviceservice.org.uk/en
National Debtline Tricom House
51-53 Hagley Road
Edgbaston
Birmingham
B16 8TP
Freephone
0808 808 4000
https://www.nationaldebtline.org/
StepChange Debt Charity Freephone
0800 138 1111
https://www.stepchange.org
Citizens advice Please see your local yellow pages for address and tel number https://www.citizensadvice.org.uk/
Community Legal 0845 345 4345 www.clsdirect.org.uk