Financial Conduct Authority - STATUS

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A note on regulation

I am not authorised by the FCA because
I do not provide regulated debt advice.

I confirmed this directly with the FCA
on 19th June 2026 (reference: 212365616).

Regulated debt counselling requires an
individual assessment of someone's
financial circumstances and a
personalised recommendation of a
specific course of action. I provide
neither.

My £20 guide is payment for my time
spent researching and collating publicly
available UK debt information into one
accessible resource - not payment for
advice or recommendations.

I receive no payment, commission or
referral fee of any kind for directing
people to free debt charities such as
StepChange or National Debtline.

For advice specific to your individual
situation, please contact StepChange
on 0800 138 1111 - completely free.

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