28/08/2025
If you are in debt review, you may have come across adverts online promising loans to people who are “blacklisted” or already in debt review.
These offers are not real.
They are designed to take advantage of people who feel desperate for quick cash.
The truth is simple: while you are under debt review, you cannot take on any new credit until your debts are fully paid and you have received your clearance certificate. Even if someone promises to “clear” your debt review status, it will not change the fact that no genuine credit provider will lend you money if you still have unpaid debts. Real banks and lenders must always check your credit record and confirm that you can afford the repayments.
Scammers, on the other hand, will usually ask you to pay them money upfront for things like “fees” or “insurance.” Once they have your money, they disappear. This is why it is so important to stay alert. If someone offers you a loan without doing the proper checks, they are not real and you should walk away.
If you ever feel unsure, the safest step is to speak to your debt counsellor. They are there to support you and guide you through the process. Remember, every payment you make under debt review takes you closer to being debt free. Do not let scammers derail your progress with empty promises.
