Debt Advice: Stepchange

Stepchange offer free, flexible debt advice that is based on a comprehensive assessment of your situation. They will then provide practical help and support for however long it’s needed.

We regularly refer families to Stepchange and trust their free and impartial service. Use this article to find out more about their work and if debt advice could be right for you.

Not sure if you need debt advice?

Watch the Stepchange video guide to debt advice.

You can also answer these simple questions and Stepchange can help you decide what’s right for you. Financial Help To Deal With Money Worries. StepChange

What services do Stepchange offer?

Before you get started you’ll need to gather up-to-date details about your finances, including income, outgoings and debts.

If you’ve completed our application form, you should already have this information handy.

Online. Use Stepchange’s online debt help tool to get advice. Complete your advice session at your own pace.

Prefer to talk? Once you have your budget info ready, you can speak to someone directly by calling 0800 138 1111. A call takes around 40 minutes to complete.

How could they help you?

After they've looked at your budget, the Stepchange team will recommend a range of practical debt solutions based on your situation

For more information visit stepchange.org

Other sources

Whatever your personal situation, don't despair; there are organisations out there who can help:

Government helpline National Debt Helpline
Your local Citizen's Advice office can offer help and guidance

Did you find this helpful? You might also want to visit our useful links page for a wide range of charities we work with.

Are you struggling with debt?

Useful Links

Addiction Support

About Our Grants

Comments (0)

Please verify your action

Comment (maximum 3500 characters) (required)

Add a picture

Notify me when someone makes a comment

First name (required)

Last name (required)

Email (required)

Which country do you live in?

Postcode (required)

Address line 1

Address line 2

Town or city

Can we contact you?

Via email

Via telephone

Via SMS

Via post

Which country do you live in?

Postcode (required)

Address line 1

Address line 2

Town or city

By submitting this form you are agreeing to our terms and conditions

1. Introduction

1.1 These terms and conditions shall govern your use of our website.

1.2 By using our website, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.

1.3 If you submit any material to our website or use any of our website services, we will ask you to expressly agree to these terms and conditions.

1.4 You must be at least 16 years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least 16 years of age.

1.5 Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our privacy policy.

2. Credit

2.1 This document was created using a template from SEQ Legal (http://www.seqlegal.com).

3. Copyright notice

3.1 Copyright (c) 2017 Fashion & Textile Children’s Trust.

3.2 Subject to the express provisions of these terms and conditions:

(a) we, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the material on our website; and

(b) all the copyright and other intellectual property rights in our website and the material on our website are reserved.

4. Licence to use website

4.1 You may:

(a) view pages from our website in a web browser;

(b) download pages from our website for caching in a web browser;

(c) print pages from our website;

(d) stream audio and video files from our website; and

(e) use ftct.org.uk website services by means of a web browser,

subject to the other provisions of these terms and conditions.

4.2 Except as expressly permitted by Section 4.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.

4.3 You may only use our website for your own personal and business purposes, and you must not use our website for any other purposes.

4.4 Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.

4.5 Unless you own or control the relevant rights in the material, you must not:

(a) republish material from our website (including republication on another website);

(b) sell, rent or sub-license material from our website;

(c) show any material from our website in public;

(d) exploit material from our website for a commercial purpose; or

(e) redistribute material from our website.

4.6 Notwithstanding Section 4.5, you may redistribute our newsletter in electronic form to any person.

4.7 We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.

5. Acceptable use

5.1 You must not:

(a) use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability or accessibility of the website;

(b) use our website in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;

(c) use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;

(d) access or otherwise interact with our website using any robot, spider or other automated means except for the purpose of search engine indexing;

(g) use data collected from our website for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing).

5.2 You must not use data collected from our website to contact individuals, companies or other persons or entities.

5.3 You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.

6. Limited warranties

6.1 We do not warrant or represent:

(a) the completeness or accuracy of the information published on our website;

(b) that the material on the website is up to date; or

(c) that the website or any service on the website will remain available.

6.2 We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.

6.3 To the maximum extent permitted by applicable law and subject to Section 7.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.

7. Limitations and exclusions of liability

7.1 Nothing in these terms and conditions will:

(a) limit or exclude any liability for death or personal injury resulting from negligence;

(b) limit or exclude any liability for fraud or fraudulent misrepresentation;

(c) limit any liabilities in any way that is not permitted under applicable law; or

(d) exclude any liabilities that may not be excluded under applicable law.

7.2 The limitations and exclusions of liability set out in this Section 7 and elsewhere in these terms and conditions:

(a) are subject to Section 7.1; and

(b) govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.

7.3 To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.

7.4 We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

7.5 We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

7.6 We will not be liable to you in respect of any loss or corruption of any data, database or software.

7.7 We will not be liable to you in respect of any special, indirect or consequential loss or damage.

7.8 You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).

8. Breaches of these terms and conditions

8.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:

(a) send you one or more formal warnings;

(b) temporarily suspend your access to our website;

(c) permanently prohibit you from accessing our website;

(d) block computers using your IP address from accessing our website;

(e) contact any or all of your internet service providers and request that they block your access to our website;

(f) commence legal action against you, whether for breach of contract or otherwise;

8.2 Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking.

9. Variation

9.1 We may revise these terms and conditions from time to time.

9.2 The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions.

9.3 If you have given your express agreement to these terms and conditions, we will ask for your express agreement to any revision of these terms and conditions; and if you do not give your express agreement to the revised terms and conditions within such period as we may specify, we will disable or delete your account on the website, and you must stop using the website.

10. Assignment

10.1 You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.

10.2 You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.

11. Severability

11.1 If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.

11.2 If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

12. Third party rights

12.1 A contract under these terms and conditions is for our benefit and your benefit, and is not intended to benefit or be enforceable by any third party.

12.2 The exercise of the parties' rights under a contract under these terms and conditions is not subject to the consent of any third party.

13. Entire agreement

13.1 Subject to Section 7.1, these terms and conditions shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.

14. Law and jurisdiction

14.1 These terms and conditions shall be governed by and construed in accordance with English law.

14.2 Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England.

15. Statutory and regulatory disclosures

15.1 We are registered charity; you can find the online version of the register at www. charitycommission.gov.uk, and our registration number is 257136.

16 Our details

16.1 This website is owned and operated by Fashion & Textile Children’s Trust.

16.2 Our registered office is at Victoria Charity Centre, 11 Belgrave Road, London. SW1V 1RB.

16.3 Our principal place of business is at Victoria Charity Centre, 11 Belgrave Road, London. SW1V 1RB.

16.4 You can contact us:

(a) by post, using the postal address given above;

(b) by telephone, on 0300 123 9002; or

(d) by email, using the email address published on our website from time to time.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Latest

Challenge Events
Back to School Campaign 2024 resources

This July, we need you to support our campaign and help us to ease the back-to-school worry for financially vulnerable fashion and textile families.
Back to School Campaign 2024

This July, we need you to support our campaign and help us to ease the back-to-school worry for financially vulnerable fashion and textile families.
Inflatable Obstacle Courses in July

Get ready to bounce your way through The World's BIGGEST and most EPIC Inflatable Obstacle Courses, all while raising funds for FTCT!

FTCT Joins UKFT’s Webinar on Promoting Financial Wellness in the Workplace

We are excited to share that FTCT is partnering with UKFT on their upcoming webinar "Promoting Financial Wellness in Your Workplace," on May 7th, 2024.
Ralph Lauren’s Easter Extravaganza

Ralph Lauren staff and their families were treated to an Easter fund day, with raffle proceeds going to support FTCT grants.
Sensory support for Oskar

When Karolina reached out to us seeking assistance for her son Oskar we were glad to offer our support. Here, Karolina shares her story to encourage other parents working in fashion or textile to apply.
Drapers Sustainable Fashion Awards 2024 raises £2,800 to fund vital grants

Yesterday evening marked a memorable milestone for us at FTCT as we were honoured to be selected as the charity for the Drapers Sustainable Fashion Awards for a second year running.
A Family's Journey of Hope

After a life altering illness struck her husband Mohammed, Mum Shabana reached out to us for help. Here Shabana shares their experience of applying for a grant.
Yoga with Charmaine: Boden's Support for FTCT

Charmaine, Boden's People Operations Manager, is using her skills as a yoga teacher to lead a unique fundraiser for FTCT, and the results are inspiring.
Celebrating 40 Years of London Fashion Week

As FTCT is the only charity supporting the children of people working in the UK fashion and textile industry, we are proud to highlight this momentous occasion.
Empowering Young Minds: Reflecting on Children's Mental Health Week

Throughout the week, we've been sharing tips and resources on our social media to support Children's Mental Health Week Here's a snapshot of what we shared.
Children's Mental Health Week 2024

As a charity devoted to enhancing the well-being of children in the UK, we firmly believe that every child deserves access to essential mental health resources and support the CMHW2024 theme, 'My Voice Matters'.
Meet Our New Trustees

Last week, we welcomed four new members to our Board of Trustees. Find out more about our new recruits and what's motivated them to join our board.