Hi! My name is Sara Williams. I have been a volunteer advisor at my local CAB in London since 2001. I was Chair of Trustees of Computer Aid International for 10 years. Apart from blogging in personal finance and setting up Debt Camel, I run ScienceGrrl’s website. I have two children, now both at uni, and a spaniel. You can find me on Google+ .
I’ve never made a penny out of debt advice and there is nothing on this website that will bring in any income for me or anyone else. Unlike many sites promising ‘free debt advice’, I don’t make money by referring you to commercial sites.
National Debtline has described this site as “very clear, it answers a lot of common questions without jargon“. Thanks!
Why the “Debt Camel” name?
Because you will remember it! And it doesn’t sound like an official advice service, nor as though there are instant solutions to debt.
Why has Debt Camel been set up?
There is a lot of information already on the web about debt, but much of it is too prescriptive (you need a DMP), too complicated (here are a lot of details that are unlikely to be relevant to you) or too self interested (all those people making money from IVAs).
Debt situations are often not neat. A large unsecured debt problem may be complicated by small priority debts. Someone whose income has fallen may be trying to negotiate the benefits maze and not have much idea about what income he is going to end up with. And people need to be able to mull over hard choices – the emotional aspects of having to sell your house or go bankrupt are very real.
So Debt Camel has the following aims:
- to provide accessible, relevant information in Plain English with as little jargon and as much common sense as possible
- to let people feel more in control of what can be a very stressful situation
- to let people explore complicated situations whenever is convenient for them.
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. There is a list of good places to get debt advice here.
If you would like to know more, here is a recent interview I did where I was asked about why I set up Debt Camel:
Are you regulated?
No. Debt Camel only provides generic debt advice, which is not a regulated activity. 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 the website that gives me any income. So Debt Camel does not require regulation because it is not carrying out any regulated activity.
Three ways to keep in touch
More about the site
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I don’t give debt advice to individuals by email. If you need debt advice and support, I recommend these organisations.
There is Site Map that may help you to locate information, or a search box at the bottom of every page
But for any other type of query, please do send me a message!