J3 Debt Solutions Reviews 

609
•
TrustScore 4.5 out of 5

4.7

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 101 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the dedicated staff members for being exceptionally helpful, patient, and completely non-judgmental throughout the entire debt management process. Many consumers appreciate how clearly all financial options are explained, which helps take the stress away and makes them feel well-supported from start to finish. However, some people mentioned experiencing frustrating delays and very poor communication regarding follow-up calls or urgent account updates following the initial setup phase. A few reviewers also felt overly pressured by advisors during early interactions or encountered significant difficulties when trying to get timely email responses later on.

What people talk about most

Staff

Reviewers mention positive feedback about staff, consistently describing team members as patient, empathetic,... See more

Customer service

Clients share positive opinions on customer service, highlighting that reviewers find the support very easy... See more

Service

Users describe positive interactions with service, highlighting professional and helpful staff who make... See more

User experience

People report positive experiences with user experience, noting that supportive agents explained everything... See more

Response time

Customers consistently note ambiguous experiences with response time, as reviewers report waiting weeks for... See more

Reviews shaping this summary

Rated 5 out of 5 stars

J3 assisted with my new building warranty. They could not have been more helpful and guided me along the way, Alex was excellent, She kept me fully informed with progress and gave a nudge to proceedi... See more

Rated 5 out of 5 stars

The swift, calm, professional attitude goes along way. My experience with J3 has been superb from start to finish. The advice I was given was outstanding. Would recommend highly to anyone who is in fi... See more

Rated 5 out of 5 stars

These guys were brilliant from start to finish. After getting myself in a hole with a large sum of debt ( over 50k ) due to circumstance, I called J3 for a solution as I couldn’t carry on. 4 weeks l... See more

Rated 5 out of 5 stars

I recommend this company to anyone who is struggling with financial problems that they cannot or do not know how to deal with or where to start. From my own experience, I know how difficult it is to f... See more

Company replied


Company details

  1. Debt Relief Service
  2. also in
  3. Bankruptcy Service
  4. Insolvency Service
  5. Liquidator

Information provided by various external sources

We help people in debt.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

609 reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 58% of negative reviews

Typically takes over 1 month to reply

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.7

All reviews

(609)

109 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Callon thank you so much

Callon thank you so much. You helped me more than you think

21 September 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thanks for your kind words Sheldon, they're much appreciated.

Best Wishes,
James, J3

Rated 5 out of 5 stars

Very easy and straightforward…

Very easy and straightforward assistance and advise, Abhiram was a great help. Thank you

17 September 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thanks for taking the time to review Graham, much appreciated. Abhiram we be glad to hear he was a great help too and we'll make sure he see's it.

Kind Regards,
James, J3

Rated 2 out of 5 stars

Can’t get a call back - waiting for 4 weeks

So much support to get things set up, until others get involved. I have had home workers in Dubai with screaming kids in the back ground and another with builders banging about in the background! Not what you want when you discussing your finances.
I’ve been waiting for almost a month for a call back regarding a major change. I’m really disappointed after such a great start 😞

17 September 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for taking the time to tell us this, Tracey. I’m sorry you’ve been left feeling this way, it isn’t the experience we want anyone to have. I’m not able to discuss anyone’s individual circumstances in a public forum, so I’d rather pick this up with you directly. Please email complaints@j3debt.co.uk and we’ll look into it properly and come back to you.

Kind Regards,
James, J3

Rated 5 out of 5 stars

Annual review

Abhiram was very helpful and polite on the call

8 September 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you, Lindsey - that's exactly the kind of service we like to hear, and Abhiram will be glad to read it. Best wishes.

James, J3

Rated 5 out of 5 stars

Professional and supportive throughout

I have been dealing with Muhammed Sinan at J3 Debt Solutions throughout my IVA review and have found him very helpful and professional.
He has taken the time to listen to my concerns and has explained things clearly and worked through any issues with me. There have been a number of changes and complications during my IVA, particularly around my vehicle and changes in my circumstances, and Muhammed has been very patient and understanding throughout. He has also been quick to respond to my emails and has gone out of his way to find practical solutions where possible.
I have appreciated the time and effort he has put into assisting me, particularly when I have had a lot of questions and concerns.
Overall, I have been very pleased with the service I have received from J3 Debt Solutions and would be happy to recommend them to others.

2 September 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you, Jack, and thank you for taking the time to write something this considered. Muhammed will be really pleased to read it, and we'll make sure it reaches him. Patience and clear explanations are exactly what we hope people find when they get in touch. All the best.

— James, J3 Debt Solutions

Rated 5 out of 5 stars

Excellent service from Abhiram

Excellent service from Abhiram

I couldn’t recommend Abhiram highly enough. From the very beginning, he was incredibly helpful, professional and understanding. He explained everything clearly, answered all of my questions and made what could have been a very stressful process feel so much easier.

Abhiram was always patient, approachable and genuinely went above and beyond to help me. I never felt judged or rushed, and I always felt like I was in safe hands.

I’m extremely grateful for all of his help and support throughout my IVA. He is a credit to the company, and I would definitely recommend Abhiram to anyone looking for an excellent IVA advisor. Thank you so much, Abhiram!

1 September 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Emily, thank you for taking the time to write this. "I never felt judged or rushed" is the kind of thing that stays with the team, and Abhiram will be genuinely glad to know he made it feel easier. We'll make sure he sees it. Wishing you well.

James

Rated 5 out of 5 stars

Debt relief

Had a long day dealing with all my debts over the phone. but Jacob was so helpful and patient with my questions and took a lot of the stress away from me and was so understanding.

28 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for this. Jacob will be pleased to read it, and we'll pass it on. Taking the stress out of a long day is exactly what he'd hope to do. Take care.

James, J3

Rated 5 out of 5 stars

Muhammed Sinan Was a great help to me…

Muhammed Sinan Was a great help to me today esp navigating my complex needs

20 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you, Meabh - that's very kind to say, and Muhammed will be glad to read it. Wishing you all the best.

James, J3

Rated 5 out of 5 stars

Excellent service

Abhiram Was patient and explain everything fully as part of my annual review.

19 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for this. Being taken through things fully and patiently is what we'd hope for, and Abhiram will be pleased to hear it. All the best.

James, J3

Rated 1 out of 5 stars

I AM HAVING THE SAME PROMBLME THEY WANT…

I AM HAVING THE SAME PROMBLME THEY WANT TO LEAVE ME WITH ME NO MONEY AND BULLY ME OF MAKE PAYEMENT WHEN I DONT GET PAID UNTILL THE 28TH AND HAVE WROTE LETTER IN TO DICTOŔS BUT HAD NO REPONCE ALLNTHEY RESPOND IS IL RING YOU FOR PAYMENT I HAVE LEARNING DISBILTY I BELIVE THIS COMPANY SHOULD GIVE ME TIME I AM TRYONG STEPS TO FOLLOW PLEASE HELP IF SOMEONE READ THIS AS I JUST BEED THAT TIME TO PAY

17 August 2026
Unprompted review
Rated 1 out of 5 stars

AVOID at all costs!!!

AVOID at all costs!!!! Absolute scammers - take money from your bank in authorised! Literally 100’s of £!!! And don’t give it back!

14 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for your review, and we're sorry for the worry this caused. In August a payment-processing error, caused by one of our third-party providers, led to some clients being debited more than once. The provider has accepted full responsibility, and all payments taken in error were reversed on 14 August. We've also contacted all affected clients directly to explain what happened and confirm it has been put right. Your plan itself is unaffected. We'd like to make sure everything has been fully resolved for you, so please get in touch at complaints@j3debt.co.uk and we'll look into your account personally.

Kind Regards,
James, J3

Rated 4 out of 5 stars

I'm someone who struggles with the…

I'm someone who struggles with the technical side and had some frustration's with my latest review but thanks to the work of I'd like to to say an employee named Abhiram made sure to resolve the problems I was having and help me with my case leaving me a happier person than when I first phoned up. I do feel like this employee was very patient understanding and put a sincere effort to help me

17 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for taking the time to write this. You've been honest about the frustrations too, which I'd always rather hear, but it's good to read that Abhiram was patient and put real effort in when it mattered. He'll be glad to know, and we'll make sure he sees it. All the best.

James, J3 Debt Solutions

Rated 1 out of 5 stars

Absolute scam artists take multiple…

Absolute scam artists take multiple payments till your banks empty then take weeks to give it back in between telling you it's the bank fault call the bank they say it's not been reversed so you call me back and then they give you codes that the bank says they know are no good rinse and repeat until eventually they give you it back then the cycle starts again avoid at all costs

18 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for your review, and we're sorry for the worry this caused. In August a payment-processing error, caused by one of our third-party providers, led to some clients being debited more than once. The provider has accepted full responsibility, and all payments taken in error were reversed on 14 August. We've also contacted all affected clients directly to explain what happened and confirm it has been put right. Your plan itself is unaffected. We'd like to make sure everything has been fully resolved for you, so please get in touch at complaints@j3debt.co.uk and we'll look into your account personally.

Kind Regards,
James, J3

Rated 5 out of 5 stars

Abhiram called me today for my annual…

Abhiram called me today for my annual review, he was efficient and very polite can’t fault anything with the call, consistent professionalism from this company from the first day I rang for help.

12 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you, Amy. Consistency from the first call onwards is exactly what we aim for, so it means a lot to read that's been your experience. Abhiram will be glad to know, and we'll make sure he sees it. All the best.

James, J3

Rated 5 out of 5 stars

Extremley helpful

Extremley helpful. made me feel less anxious about my money problems and allowed me time to sort everything out - His name was Abhiram. he was so patient and i really appreciate it.

11 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you, Rebekah. Feeling less anxious and being given the time to sort things out is exactly what we'd hope for anyone getting in touch, and Abhiram will really appreciate you saying so. We'll pass it on. All the best.

James, J3

Rated 5 out of 5 stars

My experience with this company has…

My experience with this company has been unbelievable no judgement very professional at there job always put it off years asking for help with debt but honestly couldn’t be happier with how things went and took a massive weight off my shoulders thank yous again to all the team I spoke to

3 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for taking the time to write this Brandon. Being met with no judgement and professionalism when you've put off asking for years is exactly what we'd hope for, and it means a great deal to read. All the best.

James, J3

Rated 5 out of 5 stars

Cannot express my gratitude to this…

Cannot express my gratitude to this company (special shout out to Laura!) for helping me set up an IVA.

Years of weight has been lifted off my shoulders. All departments/agents I have been in contact with have made this process so easy, and they've just been so lovely to speak with.

I really do appreciate the hard work they put in to sorting out my mess! So thank you again everyone

3 August 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for this Christina, and for the shout-out to Laura, who'll be really pleased to read it. Being met by people who are easy and lovely to deal with is what we'd hope for at every step. All the best.

James, J3

Rated 1 out of 5 stars

IvA night mare

Do not use this company they are an absolute disgrace do not let them talk you in to taking out an Iva they do not work approached them 17 months ago it is the worst thing I ever did I am worse of now than I ever was its been a living nightmare mare as made me ill mental health problems the lot they absolutely do not listen to you the way ive been treated is disgusting I am absolutely struggling to pay my iva back struggling to live and they will not help me please everybody out there use a company that is a charity like step change your payment will be half what this company charge horrendous company DO NOT USE

16 July 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

We're sorry to read this and take concerns like these very seriously. We're not able to discuss anyone's individual circumstances in a public forum, but we'd genuinely like the opportunity to look into what's happened and help where we can. Please contact our team at complaints@j3debt.co.uk so we can pick this up properly.

Kind Regards,
James, J3

Rated 5 out of 5 stars

Excellent Service

Excellent Service, it feels like a weight has been lifted of my shoulder after having a conversation, Mike has been very thorough in explaining what my situation is and what I can do moving forward, he has also helped me understand information that wasn’t clear to me, Overall I would give it 10 stars if I could

28 June 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for taking the time to write this. Mike will be glad to read it, and we'll pass it on. Taking the time to explain things clearly and make them understandable is exactly what we'd hope for. All the best.

James, J3

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look