Struggling with debt?

If you’re in financial difficulties or worried about your debt, it’s important to know that you are not alone.

At ilumoni, we can help you manage your debt better, but we don’t offer debt plans or formal debt solutions, such as IVAs or bankruptcy. Whether you need help negotiating with lenders to come to suitable agreements, or the space to discuss how debt is affecting your mental health or relationships, below you’ll find contact information for a range of charities and organisations who can give you additional support.

StepChange Debt Charity

Citizens Advice (England)

Money Advice Scotland

Citizens Advice (Scotland)

Citizens Advice (Wales)

Citizens Advice (Northern Ireland)

Mental Health & Money Advice


For relationship advice and support.

Mental Health Foundation

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ilumoni is a trading name of Monely Limited registered and regulated by the Financial Conduct Authority (928933 and 928681), registered in England and Wales (Company number 11886611), Registered Office: The Barnsley Digital Media Centre, County Way, Barnsley, S70 2JW

*As referenced in the FCA's financial lives report and/or the credit card market report.