Why I started Debt Camel
My name is Sara Williams. As a debt adviser I am very familiar with the sorts of worries people have. Sometimes there aren’t easy answers, but I set up Debt Camel in 2013 to write about what really matters to people who have a debt problem and to talk about the common questions that get asked.
My main aims are for Debt Camel are:
- to talk about peoples’ concerns about debt, credit ratings etc. Sometimes they aren’t the points a debt adviser thinks are the most important, but deciding what to do isn’t always easy and it can really help to get your worries answered, rather than just being told what to do.
- to talk about debt and money decisions in a way that is straightforward rather than complicated with a lot of jargon. A few pictures, the odd exclamation mark or bit of humour can sometimes help a serious topic feel more accessible.
- to provide signposts for where to get detailed information, debt advice and practical help.
I am interested in debt advice policy – how it is changing, how I think it should change – so I also cover:
- how debt solutions could be improved so they are easier to access and work better;
- how credit and its regulation can be improved to reduce the numbers of people getting into debt problems;
- how apps and other FinTech products can help with this;
- what’s in the news – I write a weekly round-up post.
National Debtline has described this site as “very clear, it answers a lot of common questions without jargon“. I hope it can help you!
A personal, non-commercial blog
This is my personal blog.
I am connected with a number of organisations in the debt advice sector:
- I have been a volunteer advisor at my local Citizens Advice in London since 2001.
- I am a member of the Institute of Money Advisers (IMA) and have the Certificate in Money Advice Practice qualification. I became a Trustee of the IMA in 2019.
- Debt Camel is an affiliate member of the Money Advice Liaison Group.
but the views I express on Debt Camel are my own.
There is nothing on Debt Camel that brings in any income for me. There are no adverts or links that make me money. And, unlike many sites that promise ‘free debt advice’, I don’t make money by referring people to commercial sites who pay me fees.
I don’t accept donations. If you have been helped by something I have written and would like to say “thank you”, please make a donation to your local Citizens Advice instead.
Debt Camel doesn’t give debt advice to individuals
Debt Camel provides general information about debt problems and possible solutions.
Many people with serious debt problems will need help from elsewhere. If Debt Camel helps them understand a bit about their situation and their possible options, they should find this speedier and less scary. Most of my articles have links to organisations that can help with the topic being discussed.
If you need debt advice and support, I recommend these organisations.
Debt Camel provides generic debt advice. It does not make any referrals, only providing a range of contacts that readers can choose to self-refer to. This is not a business; there is nothing in this website that gives me any income. So Debt Camel does not require regulation because it is not carrying out any regulated activity by way of business.
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I ignore unsolicited marketing contacts. And I can’t give you advice by email or phone on your particular debt problem.