Store Card Debt Help in the UK

Store cards may seem convenient at first — offering discounts, interest-free periods, or points. But high interest rates and late fees can quickly spiral into unmanageable debt. If you're struggling to repay your store cards, we can help reduce your payments, stop interest, and take the pressure off — for good.

What Is Store Card Debt?

Store cards are credit cards issued by retailers like Argos, New Look, or Currys. They often come with high APR (up to 40%) and low minimum payments — making it easy to fall into long-term debt. Many users only pay the minimum each month, which barely covers interest, so the balance never goes down.

Common store card providers include:

• Argos Card (NewDay)
• Very / Littlewoods (Shop Direct)
• Debenhams Card
• Topshop / Arcadia store cards
• House of Fraser / Creation Finance

What Happens If You Miss Store Card Payments?

• Late fees added to your balance
• Credit score damaged by missed payments
• Account passed to debt collectors like Cabot, Lowell, or Hoist
• Threats of legal action or CCJs

If you're struggling to make minimum payments or have missed a few, act now before the debt grows. We can help you stop the charges and get back in control.

Can Store Card Debt Be Written Off?

Yes — store card debt can be written off if you qualify for a formal debt solution such as an:

• IVA (Individual Voluntary Arrangement) – combine all unsecured debts and write off what you can't afford after 5 years
• Debt Management Plan (DMP) – reduce monthly payments and freeze interest
• Debt Relief Order (DRO) – for low-income individuals with less than £30,000 in debt

These plans stop creditor contact, prevent legal action, and help you regain financial control — with no upfront fees from us.

Can I Combine My Store Cards With Other Debts?

Yes. We can help you group all unsecured debts into one affordable payment, including:

• Credit cards
• Personal loans
• Catalogue accounts
• Bank overdrafts
• Payday loans

Instead of paying each lender separately, we’ll simplify your debts into one plan that actually works for you — not the creditors.

What If I'm Already Being Chased?

If your store card debt has already been passed to collectors like PRA Group, Moriarty Law, or Link Financial, don’t panic. Once your debt solution is in place, collection activity must stop.

We’ll take over communication, and you’ll no longer receive threatening letters or calls.

Why Choose Fresh Start Debt Support?

• ✅ Fast, friendly support from a real UK-based team
• ✅ Free, confidential advice with no pressure
• ✅ We deal with your creditors — you don’t have to
• ✅ Rated for clear, supportive guidance
• ✅ Solutions for all levels of debt

You deserve better than high-interest debt and minimum payments that go nowhere. We’ll help you find a clear, affordable way forward — starting today.