UK Debt Team

UK Debt Team: referral service for debt help in the UK

UK Debt Team is a UK-based referral service that connects people with debt difficulties to regulated advice partners. The company explicitly presents itself as a referral service, not a call centre, and its role is to match each user with the authorised partner that best fits their specific situation. The service is offered free of charge and without obligation, and the company states that it works only with regulated partners so that the advice received is accurate and reliable.

How the advice process works

The journey described by the company consists of three steps. First, the user speaks to a regulated adviser, who asks about their situation to understand what help they need; according to the website, no prior paperwork is required. Second, the available options are explored and advice tailored to each person's circumstances is presented, including Government-backed debt solutions, explained without jargon. Third, ongoing support is provided, so that if the user's situation changes, the authorised partner remains available to help.

The company notes that many of the people who contact them do not have their debts documented and that it has systems in place to locate them easily. It also states that its partners explain all available options, with advantages and disadvantages, so that the user can decide with peace of mind.

Debt solutions for England, Wales and Northern Ireland

The range of solutions the company presents through its partners includes several formal and informal routes:

• Individual Voluntary Arrangement (IVA): legally binding agreement that allows unaffordable debt to be written off.
• Debt Management Plan (DMP): informal and flexible plan of monthly payments.
• Debt Relief Order: aimed at people with low incomes and debts under £50,000.
• Bankruptcy: last resort, with full debt write-off.
• Self Help: practical steps the user can take themselves.

Specific solutions for Scotland

For Scotland, the company details its own set of arrangements:

• Protected Trust Deed: legally binding agreement with debt write-off.
• Debt Arrangement Scheme (DAS): full repayment of debt with interest frozen.
• Sequestration: full Scottish bankruptcy process.
• Minimal Asset Process: simplified route for low-value debts.

Types of debt that can be dealt with

The website lists the categories of debt its partners work with, accompanied by contextual data on their scale in the UK:

• Council Tax: the company cites 4.4 million people with arrears and offers help whether one or two instalments are owed or the council has instructed bailiffs.
• Utility bills: gas, electricity and water debts, with the current or a previous supplier; more than 5 million people in energy arrears at the end of 2025 are mentioned.
• Overdrafts: management of overdrafts with any bank, even if the account is no longer active; between 13 and 15 million people who go into overdraft each month are cited.
• HMRC: most tax debts, including overpaid tax and benefits; approximately 2.26 million people and £27.1 billion outstanding at the end of 2025 are mentioned.
• Loans: bank, payday, doorstep and guarantor loans, both up to date and in arrears; it is stated that 84% of adults have had some form of loan or credit.
• Credit cards: reducing the balance and stopping future interest and charges; 2.8 million adults in persistent card debt are cited.

Benefits the company attributes to debt solutions

According to the information published, some debt solutions can allow unaffordable debt to be written off, legally stop creditor action, freeze all interest and charges and end contact with existing creditors.

Confidentiality, regulation and customer care

The company states that information is treated with complete confidentiality, using secure systems and only with regulated partners. It stresses that receiving regulated debt advice is essential and that it only works with carefully regulated partners. It also describes its service as personal and not automated: it maintains that it is not a call centre and that it takes time to match each person with the right authorised partner. It acknowledges that debt is a sensitive subject and that talking about it can be difficult, but argues that being open about the situation reduces stress.

Contact channels and ratings

In addition to the phone, the company offers the possibility of starting the conversation via WhatsApp for those who prefer not to speak on the phone straight away, with trained specialists on the other side. The website shows a rating of 4.5 out of 5 on Trustpilot, with testimonials from UK users dated between 2024 and January 2026.