TRDG Members’ Hub

Post your questions. Get real answers.

A private members-only space on this website for people working through debt in the UK. Ask your questions, read the discussions and get plain English answers directly from The Real Debt Guy.

£5 for your first month, then £15 per month. The introductory price is for eligible first-time members. Returning members pay £15 per month. Create your account, choose a display name and review the terms before payment.

Join the Members’ Hub Already a member? Sign in. Moving an existing membership? Use your invitation rather than paying again.

Members-only discussions Choose a display name No social media account needed

What membership includes.

Answers directly from The Real Debt Guy. Post a question about UK debt and get a written reply within the Hub’s scope. No call needed.
A display name you choose. You do not need to use your full name in discussions. TRDG can still identify your account for membership and moderation.
Questions and answers in one place. Read and search the written discussions available to members.
Other members’ experiences. Members may share their own views. These are not TRDG answers or endorsements, and TRDG does not guarantee their accuracy or suitability.
Ongoing membership, not a live-chat service. Questions are answered within a reasonable time. Private calls, private messaging and document reviews are separate services, not part of membership.

Already a member? Start here.

The invitation route is for existing members. You do not need to buy another membership to move into the Hub.

Open your invitation. Use the invitation sent to your membership email address. If you cannot find it, check your junk folder or contact TRDG.
Complete your account setup. Follow the secure steps in your invitation and review the membership terms. Choose a display name that does not reveal information you would rather keep private.
Sign in and open the discussions. Access depends on your verified membership status. If access is not available, follow the message in your account or contact TRDG. Do not pay again just to resolve an access problem.

Questions people ask.

Do I have to use my real name?

No. Choose a display name instead of your real name.

Are the discussions private?

Yes. Discussions are for authorised members and TRDG only. Other members see your chosen display name, so use a nickname to keep your real name private. Read the Hub privacy notice.

Can I buy a membership now?

Eligible first-time members pay £5 for their first month, then £15 per month. Returning members pay £15 per month. The introductory price is available once per person, and the price and renewal details will be shown before payment. Existing members should use their invitation or sign in, rather than purchase again.

Do I need a social media account?

No. The Members’ Hub is on this website and uses its own sign-in. You need a working email address and verified membership access.

How do I cancel?

Stripe: sign in to the Hub and select Manage membership in Stripe when shown. Choose cancellation and complete the confirmation.

PayPal: sign in to PayPal, open Settings → Payments → Subscriptions and saved businesses (or Automatic Payments), select your TRDG payment and cancel it. PayPal’s step-by-step guide.

Cancel before the next renewal to stop that payment. Access normally continues until the end of the paid period. See the membership terms for cancellation and refund rights.

If the cancellation option is missing or you cannot complete it, email info@therealdebtguy.com for help.

What if I've already paid and cannot get in?

Do not pay again. Sign in with the email used for your Hub account and follow any status message shown. If you still need help, email info@therealdebtguy.com from your membership email address. Never send your password, authenticator code or full card details.

Your questions have a place.

Create your account to get started. Already a member? Sign in or use your existing invitation; you do not need to pay again.

Join the Members’ Hub

Membership terms · Hub privacy notice

The Real Debt Guy is a trading name of MM Corp Limited, company number 09564956. Registered office only: 22 Westward Way, Harrow, England, HA3 0SE. Complaints and all correspondence: PO Box 480, Sevenoaks, TN13 9JY. Email: info@therealdebtguy.com.

Where TRDG stands

The Real Debt Guy is not FCA regulated. Here is what that means.

What The Real Debt Guy does

The Real Debt Guy provides independent debt information, plain English guides, the Budget Planner, and paid one-to-one services such as Full Support, the Letter Audit, and Clarity or Private Calls. Every draft is written in your words, for you to read, change, and approve.

What The Real Debt Guy does not do

The Real Debt Guy does not give financial advice. The Real Debt Guy does not contact creditors on your behalf. The Real Debt Guy is not a debt-management or debt-adjusting firm.

Prefer to ask The Real Debt Guy your questions directly in a private conversation? Explore the £27.50, 10-minute Clarity Call.