Free UK Debt Help and Debt Advice

Free UK debt help is available right here in the GetOutOfDebt.org site. If you have a question about getting out of debt in the UK, or want to know more about Debt Relief Orders, IVAs, Individual Voluntary Arrangements, Insolvency, Bankruptcy, or debt repayment plans, Jon can help you here for free.

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Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

12 thoughts on “Free UK Debt Help and Debt Advice”

  1. i left uae 4 yrs ago with credit card deby the uae bank appointed a debt collector my wife lives in uk in a house that we have a mortgage on ,we are seperated and i live in phillipines ,the debt collector notified me at the uk address which is in joint names ,the amount with interest over years is 220kuae ,i cant afford to pay it ,they have givem 30days or go to court what should i do ?

  2. Hi Jon,

    I left UK in march 2014 and left personal loan in my bank with an amount of 3000 pounds, I was not able to pay it because I wasn’t able to come back to UK at that time due to family problems, I dont know if I received CCJ because I am out of UK up to now. Now, I would like to come back to UK and apply for working visa, will this unpaid personal bank debt affect my application?

  3. hi john! hope you are well.
    i was in the Uk on a student visa upto 2017 july and got an AMEX card around april 2017. i had a debt of 1,600 pounds on the card which i intended and still intend to pay. but the isuuse is that after suddenly returning in june, i was not able to pay installments as banking system in my country is quite outdated and wont recognise payments to AMEX.
    now i have had no contact with AMEX and am planning to return to the UK in 2021 sep for my masters degree and may utilise the post study work visa and work for one or 2 years in the UK after graduation.
    before i contact AMEX i would like to know 2 things:
    will this debt show up on my police clearance certificate? ACRO and DBS
    will the debt effect my credit history?
    if the record exists, will it effect my employability as i am perusing a degree in FINtech.

    your help would be appreciated!


  4. Hi,I am an international student and while studying in the UK during my last year I was unable to pay the tuition fees due to bad financial problems at home where I got support from my family I decided to return back home however if I want to return back to the Uk with a holiday visa will that be an issue when applying or upon arrival in the UK?

  5. Navin,

    I understand your circumstance, and who is it you owe, what creditors?

    Have you spoken to them about your situation?

    Has your Visa been cancelled or is still just a threat?

    If you have been in the UK for 6 years, depending on the type of Visa you have, you may be able to apply for an Indefinite Stay Visa. Which while it does not get you work or a job, it allows you to stay in the UK and look for work.

    With that being said, if you leave debt(s) in the UK, and move to India, the creditors here in the UK may try to chase you for payment there in India, but they have no authority to collect the accounts there.

    So i you cannot set-up a payment plan or meet the agreed payments, you cannot pay them, and there is nothing they an do. It would be more of you moving and getting your life on there in India and dealing with the UK accounts later when you can.

    I would expect you to have more questions on this, so ask away, and I will help and advise as i can.



    • I don’t know if my visa was cancelled because I came back to my home country months before the expiration of my visa,I don’t know if I have any records at the immigration if I apply for a visa and might get rejected, i would like to know if because of all this i might be stopped at the immigration for questioning?

  6. Hi Jon,

    I’m a US citizen who has a discharged bankruptcy in the US. Im looking to move to the UK after my wedding with my british fiancé but he’s had some trouble finding an apartment due to my bankruptcy. Is there something we should be saying alongside the bankruptcy when looking for a place. I wouldn’t be moving until the summer but he needs a place now. Not sure if you know of what information or documentation I would need from the US courts to be able to present proof of this being discharged. Is there anything that would improve the situation?

  7. Hai jon…..i have one question regarding my dependent visa from india outcome on my wife student visa…
    Well i stayed in uk on my student visa from 2010 to 2012 i left this country now i want to come back to uk after 4 yeras on my wife student visa but the problem is i have a debit of less than 4000£ in uk now i want to come backk to uk but iam afraid will this be a problem for me for getting dependent visa….iam sure i will pay all the amount once if i returned to uk but first will uka grant me entry clearance to uk or not i mean dependent visa…i didnt have any criminal offences not at all…plz help me my frnd i am really tensed…plzzzz help me…

  8. hi, I am under a DRO and live in a council flat. I wish to swap with someone else who lives in a house. Same size, with slightly more expensive rent, but I also receive housing benefit and am self employed. Would it be a problem for me to move if under a DRO?

  9. I had an hsbc account which charged me 8 pounds a month i did not close my account while leaving the country as i was student and did not care that much and i bought a phone on contract with t mobile and left the country on 2012 and knw i am planning a leasure trip with my wife to uk i have a canadian passport.. Would i face any problem at the immigrations

  10. Does credit cards debt (from UAE) affect on partner temporary visa application in oz?

    Police cases from credit card companies are there against me but i know thats not a crime here in Australia but in UAE /Gulf states only. Im currently on BVA waiting for 820 visa to be granted. I have already submitted a UAE police certificate as well.

    I lodge application 15 month ago but debt for the c cards happened just 7 month ago !
    Back ground check is in process, as my case officer says; Bounced cheques (as guarantee of credit card debt) is a crime in UAE but for sure not here in Australia.

  11. Hi Jon

    I have been in the UK for about 6 years and I was in a very good job and everything was going really well up until end of last year and now my visa sponsor has been having issues with my employers and they are threatening to cancel my visa which will leave me with no option other than to leave the country and go to India for now.

    I have a debt of around 14000£ with 4 creditors totalling and with the pay abroad I possibly cannot pay the debts and I need your advice on this please


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