J3 Debt Solutions Reviews 

609
•
TrustScore 4.5 out of 5

4.7

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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

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4.7

All reviews

(609)

109 reviews in the last 12 months

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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

IVA consulted

Very well phone appointment

June 27, 2026
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for this. Glad the appointment went well, and all the best.

James, J3

Rated 5 out of 5 stars

Fantastic from start to finish

Fantastic from start to finish. Helped me get all my debt into one manageable payment, I am so grateful for their help.

June 26, 2026
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Reply from J3 Debt Solutions

Thank you, Jessica. That's very kind to say, and lovely to read. Wishing you all the best.

James, J3

Rated 5 out of 5 stars

Jacob lester zoe

Jacob, lester and zoe, have been brilliant so far. They have all been very direct, whilst remaining non judgemental to my situation. I am so happy I found them. They literally go through everything with you and explain everything. I just feel, I have got someone to help me now and I needed it! Thank you guys, I will be recommending you

June 24, 2026
Unprompted review
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Reply from J3 Debt Solutions

Thank you, Laura. Being met without judgement and having everything talked through properly is exactly what we'd hope for. Jacob, Lester and Zoe will be really pleased to read this, and we'll make sure it reaches them. All the best.

James, J3

Rated 5 out of 5 stars

I really recommend this company to…

I really recommend this company to however have problem with debt this company is really helpful and they take stress out of my life specially SASHIM thanks mate

June 16, 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for this. Sashim will be glad to read it, and we'll pass it on. Taking the stress out of things is exactly what we'd hope to do. All the best.

James, J3

Rated 5 out of 5 stars

Everyone here has been so helpful on my…

Everyone here has been so helpful on my situation i was in, gave me all the information I needed to make a decision! I honestly cant thank them all who have helped me, laura was very helpful. I am now in a better position than what I was.

June 3, 2026
Unprompted review
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Reply from J3 Debt Solutions

Thank you, Jade. Being given the information you needed to make your own decision is exactly what we'd hope for, and Laura will be pleased you mentioned her. We'll pass it on. All the best.

James, J3

Rated 5 out of 5 stars

Excellent Service

Toni my advisor, was excellent all the way through the process, nonjudgmental and professional.
Felt at ease and in safe hands with J3 handling my debts.

May 21, 2026
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Reply from J3 Debt Solutions

Thank you for taking the time to write this. Being met without judgement and feeling at ease is exactly what we'd hope for, and Toni will be really glad to read it. We'll make sure it's passed on. All the best.

James, J3

Rated 5 out of 5 stars

Staff are very helpful and…

Staff are very helpful and understanding and always find you the best solution

May 13, 2026
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Reply from J3 Debt Solutions

Thank you for this. Being met with patience and understanding is exactly what we'd hope for anyone getting in touch. All the best.

James, J3

Rated 5 out of 5 stars

They dealt with all aspects of the IVA…

They dealt with all aspects of the IVA so the process was less stressful on myself

May 11, 2026
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Reply from J3 Debt Solutions

Thank you, Hayley. Making a difficult process feel less stressful is exactly what we'd hope to do. All the best.

James, J3

Rated 1 out of 5 stars

They took over my bank account

Everything was fine until they took over my bank account after 2 missed payments. This was January and adverse freezing weather, tge worst recorded in years. I had no access to my cash, my app or my debit card. The worst thing was the missed payment was because their online system kept rejecting my new debit card so I couldn’t pay. A single Mum with a blind daughter who works full time and never missed a payment. 3 years and 2 months in to a 4 year trust deed and that happened. I begged them on the phone to give me access to my funds, I had no electricity, I was running out of fuel for the car and after almost a week and a strongly worded email to the financial ombudsman they eventually gave me access.
This review is legit, J3 debt solutions did not apologise or help they don’t care. In September 1 month before I was due to finish the payment plan they wanted a review of my account, incomings outgoings etc, and I received email and texts.. Poor service, no care and I would not recommend to anyone.

Thank you for responding, I have completed my Protected TrustDeed for almost a year, you know this as you requested my email from trustpilot, you also did not send me any completion paperwork or correspondence in line with the exit my payments stopped being collected after the date so that is all I have to prove it was completed, I have no proof the creditors are paid. I will email however you do have my details as after the review went up you wanted to verify I was your customer so you can email me if needed.
D

October 1, 2025
Unprompted review
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Reply from J3 Debt Solutions

We're genuinely sorry to read this, and take concerns like these very seriously. It wouldn't be right to discuss anyone's personal circumstances in a public space, but we want to look into what's happened and put it right where we can. Please get in touch with our team at complaints@j3debt.co.uk and we'll pick this up properly.

Kind Regards,
James, J3

Rated 1 out of 5 stars

Time wasted for nothing

Told our situation that I keep applying all sort of jobs since summer 2024 with no luck and I have a wedding photo/videography business which doesn't go very well since 2024, my wife is applying to jobs too since last summer, the quick phone call was more than an hour and I started the phone call saying we are on UC told many times we keep applying all sort of jobs, but at the end of the call the guy said they can't help as we are on UC go to work first. Very supportive and understanding after 1.5years of applying jobs I wasn't succesful what does he expect within a few month I will be succesful? I said him I started a driver instructor training course too but to be a driving instructor it takes way longer than what I thought and told it can take.
Wasted time and effort. If they couldn't help, they wouldn't need to ask our personal details and could said after a second they can't help because we get only UC.

April 29, 2026
Unprompted review
Rated 5 out of 5 stars

This company were great

This company were great. I had a bad time financially near the end of my trust deed. Sadly lots of problems going on in my life at that time. Once I managed to communicate with the right people at J3, Mark and Jamie, we came to a great conclusion. I am very grateful for their help. Thank you

April 24, 2026
Unprompted review
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Reply from J3 Debt Solutions

Thank you, Leila, for taking the time to write this. Getting through to the right people and being met with care when things are difficult is exactly what we'd hope for. Mark and Jamie will be glad to read it, and we'll make sure it reaches them. Wishing you well.

James, J3

Rated 1 out of 5 stars

Pushy bad customer service

Pushy bad customer service -

Initially I felt very pressured by Connor to have to have meetings now or you'll miss out etc. I mentioned this and they seemed to get a little better once I was through to next stages - Since agreeing and signing up I have been trying to get responses for 3 weeks - they used to reply instantly and now I am being ghosted. I wish I had chosen someone else for sure - be warned a wolf in sheep's clothing springs to mind

April 23, 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

We're sorry to read this, and feedback about how it felt to deal with us is something we take seriously. It wouldn't be right to go into an individual's circumstances in a public space, but we do want to understand what happened here and address it. Please get in touch with our team at complaints@j3debt.co.uk and we'll look into it.

Kind Regards,
James, J3

Rated 5 out of 5 stars

Changed my life!

These people were the first people I confided in about my many debts, just after the first conversation, I felt like a huge weight was lifted from my shoulders. They were kind, understanding and non judgemental. They sorted everything out for me and it has completely changed my life. If you are struggling and don't know where to turn, please speak to these lovely people, they will do everything they can to help you!

March 8, 2026
Unprompted review
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for taking the time to write this. Being met with kindness and no judgement when you first confide in someone about debt 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

Hashim you are the best thanks j3 for…

Hashim you are the best thanks j3 for having Hashim in your team

April 16, 2026
Unprompted review
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Reply from J3 Debt Solutions

Thank you, Abdullah. Hashim will be really pleased to read this, and we'll make sure it reaches him. All the best.

James, J3

Rated 5 out of 5 stars

Absolutely excellent service

Absolutely excellent service, always keeping you informed and I secure and reassured all through the process. Highly recommended.

April 14, 2026
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you, Darren. Keeping people informed and reassured throughout is exactly what we aim for. All the best.

James, J3

Rated 5 out of 5 stars

Hi guys

Hi guys, they helped me quite abit, and very helpful explaining which was the better option to help me through this stressful time. They was very professional in the manner they advised me, but you need be very honest with everything you tell them, and they really try and help you.

March 31, 2026
J3 Debt Solutions logo

Reply from J3 Debt Solutions

Thank you for this. Being talked through the options professionally so you could weigh things up is exactly what we'd hope for. All the best.

James, J3

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