Terms & Conditions | Debt Step Change Global

1. Service Description

Debt Step Change Global is a referral service. We are not a lender, debt solution provider, financial adviser, charity, or government organisation. We connect individuals with authorised and regulated UK firms.

2. No Advice Given

The information on this website is for general informational purposes only and does not constitute financial or legal advice. You should seek independent financial advice before entering into any debt solution.

3. Eligibility

Any eligibility checks on this website are indicative only. Actual eligibility will be determined by the authorised providers we connect you with, based on a full assessment of your circumstances.

4. No Guarantee

We do not guarantee acceptance for any debt solution or that any particular outcome will be achieved.

5. Third-Party Providers

We are not responsible for the actions, advice, or outcomes of third-party providers we refer you to. These providers operate under their own regulatory requirements and terms.

6. Disclaimer

Your home may be at risk if you do not maintain repayments on a mortgage or other debt secured against it. Debt solutions such as IVAs and DROs affect your credit rating. Entering into a debt solution is a significant financial decision.

7. Governing Law

These terms are governed by the laws of England and Wales.

Common Questions

In some cases, structured solutions such as an IVA or DRO may reduce the amount you repay depending on your circumstances. Eligibility depends on income, assets, and total debt. Our free check helps determine what may apply to your situation.

Most debt solutions will impact your credit file. However, if you are already struggling with repayments, your credit score may already be affected. Many people find the long-term relief of resolving debt outweighs the short-term credit impact.

Ignoring debt can lead to increased charges, legal action, County Court Judgements (CCJs), and further financial pressure. Taking action early gives you more options and typically leads to better outcomes.

No. We are an independent introducer service. We are not affiliated with any government body or charity. We connect individuals with FCA-authorised debt solution providers.