This website is operated by FGAD Solutions Ltd, trading as Please Help My Debt (PHMD). By using it you agree to these terms.
Everything on this website is general information. It is not debt advice, financial advice or legal advice, and it is not a recommendation of any debt solution. PHMD is an introducer: with your consent we introduce you to a regulated debt specialist, and any advice you receive comes from them. Free, impartial debt advice is available from MoneyHelper, StepChange, National Debtline and Citizens Advice.
Speaking to us is free. If we introduce you to a specialist firm we may receive a payment from that firm. This does not affect the amount you pay and does not affect whether we introduce you.
We try to keep the information here accurate and up to date, but rules and processes change and we can't guarantee that every detail is current. We are not responsible for the content of external websites we link to.
You may use this site for your own personal, non-commercial purposes. You must not use it to send unlawful, abusive or misleading material, or attempt to interfere with its operation.
How we handle personal information is set out in our privacy policy.
Last updated: 2026-11-05.
