Money & budgeting · 4 min read
10 signs your debts are becoming a problem
Debt problems rarely appear overnight. Spotting the warning signs early gives you more options and less stress.
Warning signs
- You only ever make minimum payments
- You use credit to pay for food or bills
- You borrow to repay other debts
- You've missed payments or had late fees
- You avoid opening letters or answering calls
- Your overdraft is permanently in use
- You're relying on buy now, pay later for essentials
- Debt is affecting your sleep or relationships
- You don't know exactly how much you owe
- Creditors or collectors are contacting you
What to do next
If any of these sound familiar, you're not alone and there are solutions. Making a list of what you owe and a simple budget is a great first step — then speak to our friendly UK team about your options.
This article is general information only and may not reflect your circumstances. Rules and limits can change, so always check the details with an authorised provider before making a decision.
Let's see if we can help
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Why do we ask this?
Your total debt amount helps us match you with solutions designed for your level of borrowing.
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