Fresh Start Debt Support
If you're receiving letters or calls from Lloyds Bank about overdue debt, you're not alone — and help is available. Whether you're behind on a credit card, personal loan, or overdraft with Lloyds, our team at Fresh Start Debt Support can help you take back control with solutions like a Debt Management Plan (DMP), IVA, or the Breathing Space scheme.
Lloyds Bank, like other major lenders, may pass your debt to collection agencies or apply interest and charges that make things worse. But you have legal options to stop the pressure and get affordable repayment terms.
Check If I QualifyWe help people across the UK deal with debt from high street banks like Lloyds, as well as their in-house or third-party collection teams. Whether your account has just fallen behind or you're facing court action, we can guide you through your options.
When you enter a formal debt solution such as an IVA or DMP, your creditors — including Lloyds — may be required to freeze interest and stop chasing you for payments. This gives you breathing space to repay what you can afford, without the constant stress.
The Breathing Space scheme also protects you from court action and interest for up to 60 days, giving you valuable time to get a plan in place.
Need urgent help? We can act fast — especially if you're being threatened with bailiffs or legal letters.
Stop Lloyds Collection CallsIgnoring letters or calls from Lloyds Bank can lead to escalating action — including defaults, debt collectors, or even County Court Judgments (CCJs). These can severely affect your credit rating and lead to bailiff involvement. But early action puts the power back in your hands.
Our team can assess your financial situation quickly and confidentially, and help you access options that reduce payments and protect your assets.
Start My Free AssessmentAn IVA is a formal agreement where you pay back what you can afford each month — often over 5 years. After that, any remaining debt is written off. Lloyds and other creditors may agree to stop interest and write off up to 85% of your debt.
A DMP is an informal solution that helps you pay off your Lloyds debt with reduced monthly payments. It’s ideal if you can’t meet the minimum payments but want to repay in full over time.
If you owe under £30,000, have no assets and little disposable income, a DRO could be the best solution. It stops all payments and wipes eligible debts after 12 months — including Lloyds debts.
This legal scheme gives you 60 days of protection from interest, charges, and enforcement while you get help. It’s ideal if you need urgent relief from Lloyds debt pressure.
Compare All SolutionsWe understand how overwhelming Lloyds debt can feel. Our team is here to guide you without judgment, and we’ll work with you — not pressure you. We’ve helped thousands of people get peace of mind again.
See Success StoriesYes. Whether it’s an overdraft, loan, or credit card, we can help you reduce payments and stop interest on Lloyds debts.
Debt solutions like IVAs and DROs do impact your credit, but so does unpaid Lloyds debt. The difference is — with our help, you’ll be on a path to clearing your debt.
Yes. Everything is private and secure. We never contact your employer or family, and you stay in control.
We can often get you protection in 24–48 hours, especially if bailiffs or legal letters are involved.
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