How to request Breathing Space

Breathing Space provides a 60 day ‘hold period’ for anyone who is struggling with unmanageable debt while they receive debt advice from an FCA regulated Debt Advisor.

Breathing Space cannot be applied for directly with us as your lender and can only be accessed by a regulated Debt Advisor.

If you’re struggling with multiple debts and feel you would benefit from speaking with a free, independent Debt Advisor, here is a list of free organisations who can help you:

  • StepChange: Provides comprehensive, free debt advice and personal action plans via their helpline (0800 138 1111) or their online Debt Remedy Tool. Visit their website here.
  • National Debtline: Offers free, impartial phone support (0808 808 4000) and provides self-help packs for dealing with personal debt. Visit their website here.
  • Citizens Advice: Offers free face-to-face, email, and telephone advice (0800 144 8848 in England). Visit their website here.
  • PayPlan: Provides free, one-to-one debt advice and can help negotiate with creditors (0800 280 2816). Visit their website here.

If you aren’t currently speaking with a Debt Advisor but you are struggling to manage your Moneyboat loan, we can offer a range of support options to help you. Don’t hesitate to get in touch if you need our help and support.

Please call us on 020 3818 7470 or email us at thecrew@moneyboat.co.uk. We’re here to help 8am to 7pm Monday to Friday (excl. Bank Holidays).

(Last reviewed on 19 August 2026)

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