Help & Advice

If you are experiencing financial difficulties, please do not ignore them. With an estimated 8 million people in the UK believed to be struggling with problem debt, you are not alone and the following organisations can provide you with free, confidential, non-judgemental and impartial help and advice. Their trained staff are there to help you and we urge you to contact them today.

Citizens Advice

Citizens Advice gives people the knowledge and confidence they need to find their way forward – whoever they are, and whatever their problem. Their network of charities offer confidential advice online, over the phone, and in person, for free. Find out more at

Money Advice Service

Set up by the Government, the Money Advice Service offers free and impartial advice, guides to help improve your finances and tools and calculators to help you keep track and plan ahead. Support is available over the phone and online. You can call them on 0300 500 5000 or visit

StepChange Debt Charity

StepChange is a charity which provides free, confidential, and expert debt advice online or over the phone. They will recommend the best debt solutions for your individual circumstances and will support you while you deal with your debt problems, for as long as you need their help. You can call them for debt advice throughout the UK on 0800 138 1111 or visit their website at

National Debtline

National Debtline is a charity which gives free, independent, and confidential advice. You can call them on 0808 808 4000 or visit

Financial Conduct Authority

For consumer help and guidance telephone 0800 111 6768.

Financial Ombudsman Service

If you have a complaint regarding a debt and are unable to resolve it with your lender, the Financial Ombudsman Service may be able to help. You can call them on 0300 123 9123.

Money Advice Scotland

Taking the first step towards getting debt help can be dauting and it can be difficult to know where to go for advice. Through their webchat service, Money Advice Scotland’s advisers can help answer any initial questions and direct you to free, regulated and impartial debt advice. Visit

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