Getting help with debt

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

Brad's experience of speaking with a debt collection agency

Watch Brad Burton talk through his experience of being £25,000 in debt and believing that there was no way out. His openness in this short video details how he made the brave choice to talk to a debt collection agency, and his experience of doing so after a long period of time avoiding debts.

Learn more about the Credit Services Association and their #heretohelp campaign.

Charities and businesses who may be able to help


0207 469 5700

Advice NI

0289 064 5919

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

Citizens Advice Bureau (CAB) for 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.

Community Legal Service Direct (CLS Direct)

For legal help and advice or to check if you can get legal aid.

Money Advice Service

Free and impartial money advice 

Money Advice Scotland

0141 572 0237

National Debtline

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 for free, although this will depend on circumstances.


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 and can offer clients a totally free service with 100% of an individual's payment goes towards reducing his/her debts.


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. You can arrange this by making an appointment with a counsellor. The StepChange Service is completely free and confidential, whatever the outcome.

What TDX Group can do

We do not work directly with consumers or individuals, we help businesses that offer credit, 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.

What is the Right To Access?

The right of access, commonly known as a Data Subject Access Request (DSAR), gives individuals the right to obtain a copy of their personal data as well as other supplementary information.

You are entitled to see the personal data TDX Group hold on you free of charge. This will also include any personal data that is held by a debt collection agency that is acting as a processor for TDX Group.

To submit a subject access request, please email You can also make the request directly to the debt collection agency and they will pass it onto TDX Group to handle your request.

Alternatively, you may wish to request a copy of your data directly from your creditor (the business you may owe money to). These requests should be made directly to them either verbally, by email or through their website (if they have the facility).

In instances where you request a copy of your information from us, if we are processing on behalf of a client we will identify the affected organisation(s) and will forward the request to them on your behalf.

How long should an organisation take to complete a SAR?

An organisation must act on the data 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. It would be unusual for a request into TDX Group to be complex but should this be the case, we will let you know within one month of receiving your request explaining why the extension is necessary.

Can an organisation charge a fee for this?

A copy of your personal data will be provided free of charge. 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 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.