Fresh Start Debt Support
If you’re searching for “Lloyds debt” because overdraft costs, loan arrears or a Lloyds credit card have become unmanageable, you’re in the right place. At Fresh Start Debt Support we turn a stressful situation into a clear, step-by-step plan. We prioritise your essentials, calm the contact, and help you move to one affordable monthly payment where suitable.
This guide focuses specifically on Lloyds Bank debts—how they typically behave, what options exist, and how to choose between a Debt Management Plan, an IVA, or a DRO depending on your budget and circumstances. We’ll also show you how Breathing Space can pause most enforcement while we prepare a solution.
Start My Free Lloyds Debt CheckPrefer to compare first? Visit Compare Solutions or see our lender pages like Barclays, HSBC, NatWest, and Capital One for wider context.
It’s rarely just one thing. We regularly hear about higher living costs, reduced overtime, a new baby, rent increases or a relationship split. Overdrafts feel like “just this month” until they become the default. Cards cover the shortfall; then a loan stores the problem for later. If this sounds familiar, you’re not alone—and you’re not stuck.
We start with a calm, factual picture: income, essentials, and every account (Lloyds and non-Lloyds). If you’re not sure of the full list, we can guide a free credit check. From there we build a realistic budget and suggest routes that protect your household first and tame the debt next.
List My Lloyds Debts & See My OptionsStart with Compare Solutions for a quick overview of DMP vs IVA vs DRO. If council tax or utilities are also an issue, read Council Tax Debt and Utility Bills. For credit products, see Credit Card Debt, Overdraft Debt and Personal Loans.
Tell us the basics and the best way to reach you. No heavy paperwork up front—just enough to get moving.
Fill In the Quick JotFormOne of our specialists calls you. Can’t answer? We’ll message from our business WhatsApp so you can reply in your own time. No scripts, no judgement.
We list all accounts—Lloyds and others—and identify priorities like council tax arrears, rent/mortgage, and utilities. If you’re missing details, we’ll guide a free credit check.
We protect the roof, heat and light first—then set a fair contribution to your debts. Try our Debt Calculator to preview what’s affordable.
We’ll walk through the pros and cons of a DMP, IVA or DRO for your specific Lloyds debt mix.
We can help you use Breathing Space appropriately. You’ll receive a reference number to give to creditors while we set your plan up. We stay with you.
Begin Step 1 → Quick JotFormOverdrafts are designed for short-term cashflow. But when costs rise, they start acting like a permanent loan with variable charges. Clearing them while paying for life is the hard part.
If your Lloyds overdraft has been moved to a debt collector, read our pages on firms like Wescot, Moorcroft, Cabot, Advantis, Link Financial, Capquest, Wescot, Resolvecall and PRA Group.
Get Help with My Lloyds OverdraftMinimum payments can keep you treading water. We’ll help you move to a single, affordable payment across your non-priority debts (cards, catalogues, loans) where suitable. See Credit Card Debt and Catalogue Debt.
Loan arrears feel daunting, but with a realistic budget and one consolidated payment through a DMP or a formal arrangement like an IVA, you can regain control. Explore Personal Loans for general guidance.
Joint debts are shared responsibility. We’ll talk through practical steps and how each solution deals with joint borrowing—plus how to communicate with other banks if you have non-Lloyds debts (e.g., HSBC, NatWest, Barclays).
See If I Qualify for One Affordable PaymentFlexible and informal. Many creditors freeze or reduce interest/charges. Useful if your income is steady enough for a consistent payment and you want adaptability.
Formal and legally binding. One affordable payment for a fixed term; remaining eligible unsecured debt may be written off on completion. Often stronger protection from most creditor action.
For low income/low assets. Debts are typically frozen for 12 months and written off if your situation doesn’t improve. Strict eligibility criteria apply.
Unsure which fits Lloyds debt in your situation? See Compare Solutions and then ask us for a tailored recommendation.
Get My Personalised RecommendationIf you’re behind on priority bills, we stabilise those before finalising offers to Lloyds and other creditors. This is vital for long-term success.
Then we map an affordable payment across non-priority debts: cards, catalogues, overdrafts, loans, and more.
Protect My Essentials FirstIf your Lloyds account is already in collections or you’re receiving letters and calls, take a breath. You can channel the contact through a plan that reflects what you can genuinely afford, not a one-off figure that breaks your budget next month.
Read our guides: What is debt collection? and Stop Debt Collectors. If a specific firm is involved, check our pages on Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Moriarty Law, Drydensfairfax and PRA Group.
Where appropriate, we’ll also help you use Breathing Space to pause most enforcement while your plan is being set up.
I’m Being Chased — Help MeOur affordability work is based on real living costs. We protect essentials first, then set a fair monthly contribution to debts. This improves acceptance and sustainability.
Housing, energy and council tax get priority so you can avoid escalation and emergency costs later.
Cards, catalogues, overdrafts, loans, and similar debts are consolidated into a fair offer via a DMP or formalised in an IVA or DRO where suitable.
See Breathing Space for a legal pause on most enforcement. This gives you room to think while we build a long-term route.
Use the Debt Calculator to sketch a budget you can actually keep, then we’ll refine it together.
Build My Budget with a SpecialistMany creditors reduce or freeze interest/charges in a DMP, but it’s never guaranteed and can vary by account and history. A realistic budget and clear communication improve outcomes.
Contact tends to reduce significantly once a plan is in place. We’ll help you channel contact and, where appropriate, use Breathing Space while set-up completes.
An IVA may write off remaining eligible unsecured debt on successful completion. We’ll explain the trade-offs (including duration and obligations) before you decide.
That’s common. Head to our pages on firms like Wescot, Cabot, Moorcroft and PRA Group. We’ll help you respond and fold it into a single plan.
Debt solutions can impact your credit file. For many people, the priority is stabilising the household and stopping the spiral. We’ll talk through short- and long-term effects clearly.
Yes. Most routes cover all your non-priority creditors in one plan—useful if you also owe to HSBC, Barclays, NatWest, or Capital One.
No. We can guide a free credit check if you’re unsure. We’ll also ask questions to find any priority debts you might not have to hand.
We set realistic headroom from day one. If your income changes, we can review and adjust where the solution allows (DMPs are typically flexible; IVAs have formal variation processes).
Yes. We regularly support sole traders and directors. See Business Debt. We’ll account for variable income and seasonality.
Ask us directly for an answer specific to your Lloyds debt situation.
Ask a Debt SpecialistThe goal: fewer letters and calls, protected essentials, and a plan you can sleep on.
Start My Free Lloyds Debt CheckWhen you’re ready, we’re ready—on your terms and timeline. If “Lloyds debt” is on your mind, let’s turn it into a simple, sustainable plan.
Speak to a Specialist