Debt Advice (Regulated)

Help your customers gain control of their finances by introducing an FCA-regulated Debt Advice service.

The service is tailored to each business case and individual, imparting knowledge on everything from debt management to in-depth budgeting advice, achievable repayment plans and application support for entitled benefits and grants, all leading to a possible debt solution.

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Man and woman organising their finances

3,875 People supported through the Pound Advice service

£3,316.83 Average financial gains per person through reduced debts, reduced outgoings, and increased income

£4,563,955 Total financial gains per residents

When financial pressure becomes debt, the stakes are higher


More people are falling into problem debt due to rising living costs

38% of UK adults are struggling to keep up with bills

 72% of adults experienced living costs rise, with 14% using more credit to cope  

Debt situations are often complex, stressful, and time-critical

Average unsecured debt among advice clients is £16,874

Average mortgage arrears hit £12,534, up 22% year‑on‑year

Organisations face growing demand for regulated, specialist intervention

Over 400,000 people sought debt help from Citizens Advice in 2025

Demand intensity: ~2,300–2,600 people per day seek debt advice at peak periods

Poor or delayed advice leads to worsening arrears, enforcement action, and harm

2,516 County Court Judgments (CCJs) issued per day in early 2025 (legal enforcement action)

318 individual insolvencies per day in England and Wales
Woman explaining something to another person

Delivery and benefits

Our nationwide network of Community Partners are trained and certified by the Financial Conduct Authority and delivers our advice one-to-one via the telephone or face-to-face.

How our regulated Debt Advice can support your organisation:

  • Financial efficiencies

  • A single overview of data

  • End-to-end, seamless management and delivery

  • Reduced burden on frontline, housing, and welfare teams

  • Better outcomes through structured resolution, not short-term fixes

  • Improve customer satisfaction

  • Enhance accessibility for users

  • Confidence in fully compliant, FCA-regulated delivery

  • Reduced risk of escalation, enforcement, or crisis

Our Stories

Empowering people in need to live better lives is at the heart of what we do. Hear from Barry, an L&Q resident, on how our Debt Advice service changed his life.

Partner with We Are Group to provide your customers with the tools and support they need to achieve financial independence. 

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