About our debt advice service
Whatever your debt problem, NCLS can offer you advice and support. Whether you have a one-off query, require someone to contact your creditors or need to consider your options, we can help.
We know that asking for help with debt isn’t always easy. However, the sooner you act to get on top of any debts you have accrued, the quicker those issues can be resolved. We provide impartial advice and support to help you into a better financial position.
Are you in debt but unsure about what to do next?
If you’re not sure where to start, we’ll help you review your income and expenses and explain the options available – like a Debt Relief Order (DRO), payment plan or bankruptcy. You stay in control of the decision, and we’ll support you with whichever route you choose.
Would you like breathing space?
Breathing space is a government scheme that puts most debt recovery on hold for 60 days. If you are eligible, we can apply for breathing space for you to give you time to consider your debt options.
Are you considering a Debt Relief Order (DRO)?
A debt relief order is a legal way to write off debts you can’t pay. It’s not suitable for everyone, but we’ll talk you through the process and help you decide if it’s right for you. If it is, we can make the application for you.
What we can’t help with
We can offer limited advice on business related debts and on budgeting. We don’t offer financial planning services or help trying to recover money you are owed. However, we may be able to signpost you to other organisations that can help.
Make an appointment
The easiest way to provide us with your information is to fill in the form below. Please note filling in a form does not guarantee that you will be given an appointment, but it will help us to assess whether your issue is something we can advise on. We will let you know if we cannot help.
Appointments can be held:
On Teams
In Person
On the phone
Your appointment
Appointments are available to best suit you – whether that is in person, on the phone or via Microsoft Teams. Just let our staff know when confirming your slot.
Appointments can be held:
In Person
On Teams
On the phone
If you are unable to fill in the form for any reason or would prefer to contact us in another way, please do not hesitate to do so.
Call us:
01603 496623
Email us:
debt@ncls.co.uk
WhatsApp us:
07900 153753
*We can’t always answer your call, but do please leave a voicemail and we’ll get back to you as soon as we can.
What’s next
Step 1:
An initial call
You will initially speak with our casework assistant, who will get more information on your issues and book you an appointment with one of our debt advisors.
Step 2:
Appointment details
We will send an email (or write if easier) with details of your appointment. Most are by telephone, but face- to-face if required.
Step 3:
Further information
Before your appointment, we ask you to provide us with a form of ID and, if possible, complete a short budgeting form.
Step 4:
First appointment
Your first appointment with your debt advisor will last about an hour, and during this time they will take some information from you, go through your budget and discuss options moving forward.
Step 5:
Ongoing support
Following your initial appointment, your debt advisor will support you with setting up your chosen debt management options. We’ll need you to keep in contact with us and update with any changes.
Do you need extra accessibility support?
We’re here to help everyone access legal advice.
You are an absolute angel in disguise. It’s a weird feeling, like I can breathe again after a long time. You really have helped sort a lot of my stress. I’m lighter, a fresh start. Honestly can’t thank you enough.
Client testimonial
Frequently asked questions
If you have a question that isn’t answered below, please don’t hesitate to get in touch.
- Is the debt advice service really free and confidential?
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Yes, all debt advice provided by NCLS is completely free, confidential and independent. You won’t be charged for any support or representation they provide.
- What happens after I contact the Debt Team?
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Once you reach out, you may be placed on a waiting list. When your case is picked up, an adviser will contact you to discuss your situation and arrange a phone call or in-person appointment if needed.
- What if I have a disability or need extra support?
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NCLS encourages clients to let them know about any vulnerabilities or adjustments needed. They aim to make their services accessible and can tailor support accordingly.
- Will my appointments have to be in person?
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No – we can facilitate meetings in person, on the phone or on Microsoft Teams.
- What should I bring to my first appointment?
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Bring any letters or documents related to your debts, such as bills, court papers or creditor correspondence. Also, bring details of your income, expenses and any benefits you receive. This helps the adviser to fully understand your financial situation.
- But what if my appointment is on Microsoft Teams or over the phone?
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We will ask us to send you those documents over email if possible.
Useful resources
We are authorised and regulated by the Financial Conduct Authority to give debt advice (ref. no. 620093).
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