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Independent Debt Help

If you are struggling with your finances and having problems meeting payments, we recommend that you seek help. Whatever your circumstances, there are a number of free, independent debt help organisations that provide impartial advice including.

  • The Money Advice Service

    The Money Advice Service is an independent service set up by the Government which helps people manage their money. It is available online, over the phone, by web-chat, in printed guides, and face to face through a UK - wide network of Money Advisers
    www.moneyadviceservice.org.uk

  • Citizens Advice

    Citizens Advice: The charity for your community aims to provide the advice people need for the problems they face and improve the policies and practices that affect people's lives.
    www.adviceguide.org.uk (England and Wales)
    www.cas.org.uk (Scotland)
    www.citizensadvice.co.uk (Northern Ireland)

  • Money Advice Scotland

    Money Advice Scotland (MAS) is the national umbrella organisation which promotes the development of free, independent, impartial, confidential money (debt) advice and financial inclusion. The organisation is a registered charity, with clear charitable objectives.
    www.moneyadvicescotland.org.uk

  • Business Debtline offer debt advice for self-employed people living in different parts of the country. The charity, which is part of the Money Advice Trust (MAT), was formed in 1991 to increase the quality and availability of free, independent money advice in the UK
    www.businessdebtline.org

  • National Debtline

    National Debtline is a debt charity providing free, confidential and impartial advice and a library of online resources – including an information pack, personal budget planning, sample letters and information that will allow you to determine whether you qualify for a debt relief order
    www.nationaldebtline.co.uk

  • Stepchange

    Stepchange Debt Charity (formerly the Consumer Credit Counselling Service) is the leading debt charity in the UK providing instant online debt advice, help with budgets and personalised debt management plans tailored to your personal situation. You can call free on 0800 138 1111

    www.stepchange.org

  • Payplan

    Payplan offers comprehensive advice, guidance and support for anyone struggling with debt. Their purpose is to help people find a way out of debt and enable them to take back control of their money.
    www.payplan.com

  • Christians against Poverty

    Christians Against Poverty are a national charity, working across the UK to lift people out of debt and poverty. They offer free debt counselling through a network of 239 debt centres based in local churches.
    www.capuk.org