Are you in debt?

Resources available

If you are facing difficulties with your debt repayments, please find below some of the resources that are available to you.

You may also find the Money Advice Service site helpful.

National Debtline

t: 0808 808 4000


National Debtline provides free, independent, confidential and impartial advice by telephone in England, Wales and Scotland. They give expert advice on dealing with debts and back up their specialist advice over the telephone with written self-help leaflets which they can send out to you for free. They can arrange for a debt management plan (DMP) for free, although this will depend on circumstances.

Citizens Advice Bureau (CAB)

w: for online advice or to find a local CAB

The Citizens Advice service is a network of charities that provide free, confidential and impartial advice on a wide range of problems from over 3,200 locations across the United Kingdom.

Citizens Advice Bureaux help people solve important problems, including debt and consumer issues, benefits, housing, legal matters, employment and immigration. Advisers can help you fill in forms, write letters negotiate with creditors and represent clients at a court or tribunal.


To find a local advice centre:

t: 020 7469 5700


Advice NI (Northern Ireland)

t: 028 9064 5919


AdviceUK provides support services and is the main point of contact and provider for over 1000 information and advice centres spread throughout the UK. About 300 centres provide debt advice.


t: 0800 138 1111


StepChange is a charity funded by the financial services industry specialising in debt management plans. Some people benefit from just counselling, others need a more structured debt management plan (DMP). You can arrange this by making an appointment with a counsellor. The StepChange Service is completely free and confidential, whatever the outcome.


t: 0800 280 2816


Payplan provides a free debt management service. Payplan is an independent company whose aim is to help people set up and keep to a manageable repayment plan.

Payplan is paid for by the credit industry who believes people should have access to free help with their debt problems. This means that Payplan can offer clients a totally free service and 100% of an individual's payment goes towards reducing his/her debts.

The Institute of Money Advisers (IMA)

Money Advice Scotland (Scotland)

t: 0141 572 0237


The Institute of Money Advisers (IMA) is a charitable company that give details of the nearest adviser for people in England and Wales.

It has over 1650 members drawn from right across the free money advice sector.

Community Legal Service Direct (CLS Direct)

t: 0845 345 4345 for legal help and advice

w: or check your local library

A directory of agencies providing legal advice in your area

What TDX Group can do

We do not work directly with consumers or individuals, we help high street creditors, such as banks and utility companies to recover money owed to them.

If you would like to make a complaint, follow the process set out on our complaints process page.

However, we do capture data as part of the work we do on behalf of businesses. In almost all cases, the personal consumer information that we process remains under the control of our clients (who act as Data Controllers under the Data Protection Act 2018 and the General Data Protection Regulations). Requests for a copy of your data should be made directly to your creditor. In instances where you request a copy of your information from TDX Group, we will identify the creditor(s) and will forward the request to our client on your behalf.

What is the Right To Access?
The right to access, commonly known as a Subject Access Request (SAR), gives individuals the right to obtain a copy of their personal data as well as other supplementary information.

To submit a subject access request, please email

How long should an organisation take to complete a SAR?
An organization must act on the subject access request without undue delay and at the latest within one month of receipt.  The time can be extended to respond by a further two months if the request is complex or you have received a number of requests from the individual. You must let the individual know within one month of receiving their request and explain why the extension is necessary.
Can an organisation charge a fee for this?
A copy of your personal data should be provided free.  An organisation may charge for additional copies.  It can only charge a fee if it thinks the request is ‘manifestly unfounded or excessive’.  If so, it may ask for a reasonable fee for administrative costs associated with the request.
What about Data Subjects under the age of 16?
Parental consent is required to process the personal data of children under the age of 16 for online services; member states may legislate for a lower age of consent but this will not be below the age of 13.
Does TDX Group have the right to refuse repeat requests for SAR?
Repeat requests could only be denied if we were certain customer data had not changed since the last request (i.e. 6 months).  However given nature of business we can expect data regarding subjects to change periodically.  Therefore, would be obliged to honour and fulfil SAR.  Repeat requests should be reviewed on a case by case basis.  In the event we refuse to execute a repeat request a Denial Letter should be sent to the requestor.
What is GDPR?
General Data Protection Regulation (GDPR) is a Regulation that superseded the Data Protection Act of 1998.  The purpose of GDPR is to strengthen and unify data protection for individuals within the European Union (EU). It also addresses export of personal data outside the EU.
When did GDPR come into effect?
GDPR came into force on 25th May 2018. GDPR was approved and adopted by the EU Parliament in April 2016. The regulation took effect after a two-year transition period and, unlike a Directive, did not require any legislation to be passed by government.

Do companies need to be compliant when it’s unknown what will happen to EU data laws in the UK after Brexit?
If a company processes data about individuals in the context of selling goods or services to citizens in other EU countries then it will need to comply with the GDPR, irrespective as to whether or not the UK retains the GDPR post-Brexit.