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See if you qualify for breathing space

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0333 880 3507
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Interest and charges frozen
60 days protection from creditors
Free debt advice
Promote wellbeing

How it works

Step 1 Check if you qualify

Take 2 minutes to answer a few simple questions and we will let you know immediately if you qualify for breathing space.

Step 2 Speak to an advisor

If you qualify, you will be contacted by an expert advisor who will explain how it all works so you are fully informed.

Step 3 You Decide

Once we have advised you of all your options, you decide what you want to do. Our advice is free, confidential and with no obligation.

Check if I qualify

Helping people with a range of Solutions

What is the breathing space scheme?

  • Under the scheme, you will be given legal protection from your creditors for 60 days, with most interest and penalty charges frozen, and enforcement action halted.
  • You will also receive professional debt advice from a regulated advisor to design a plan which helps to get your finances back on track. Our team of advisers are here to support and advise you every single step of the journey to debt freedom. Our aim is to help you put in place a long-term solution that works for you, not just a temporary fix.
  • If you're worried about the current rise in living costs, get in touch. Each customer's circumstances are different and we're here to discuss yours. Let us give you the life you deserve.
Check If I qualify

We Can Help You With Most Debts Including...

Credit Car

Credit Car

These can easily build up and become unmanageable, often resulting in people falling behind or just making minimum payment. Sound familiar? Then use our Debt Solution Finder.

Payday Loans

Payday Loans

With huge interest rates, you can easily fall into the cycle of taking out a new loan to pay the last one, this can quickly spiral out of control. Sound familiar? Then use our Debt Solution Finder.

Store Cards

Store Cards

Its easy to overspend on those must have items! But when the interest is applied they can become a burden. Use our Debt Solution Finder to find out how to tackle this kind of debt.

Overdue Bills

Overdue Bills

With constantly rising prices fall behind on these can be worrying. Don't ignore them a solution could be just a few clicks away. Try our Debt Solution Finder to see which one best for you.

Personal Loans

Personal Loans

We don't offer Personal Loans for a number of purposes including.the purchase of property or land (both UK & Overseas) including holiday homes and apartments purchasing.

Lines of Credit

Lines of Credit

Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees.

Business Debt

Business Debt

So easy to use love this for my business 🙂 get notifications for payment and set up a payment for someone else, so easily. No hassle or extra steps. Perfect for what I need.

Catalogues

Catalogues

Clients were taking longer to pay than usual, so our debt was building up. It helped that HSBC was able to give us loan holidays.

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* Complete the call back form and an expert advisor will call you back at a time that suits you.

Breathing Space FAQs

If you pass the eligibility checks, your creditors won’t be able to add interest or fees to your debts, or take enforcement action, for 60 days.

To be eligible you must:

Live in England or Wales
Owe at least one qualifying debt to a creditor
Have not used Breathing Space over the past 12 months
Are not in a debt relief order, IVA, interim order or undischarged bankruptcy.

Debts qualifying for breathing space include:

  • Credit card / store cards
  • Personal Loans
  • Payday Loans
  • Overdrafts
  • Utility bill arrears
  • Mortgage rent / arrears
  • Overdue council tax
  • PCN and parking tickets

Simply call an advisor or apply online today. We’ll recommend the best solution for your situation and let you know if you’re eligible to apply for the Breathing Space scheme.

Breathing Space could help relieve some of the pressure of dealing with creditors, and provide protection from interest and fees for 60 days. This should give you time to get debt advice and set up a solution to deal with your debts. If you want to get free debt advice, simply call 0330 122 6351 and you could apply for Breathing Space to take the pressure off while you get the help you need.

Get Breathing Space

To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.