Further Help and Advice
If you are experiencing financial difficulties please do not ignore the problem, you need to act now.
Independent advice can be obtained by contacting organisations that offer free confidential and impartial help and advice.
Below is a list of such organisations, some of which are recommended by regulators. Please be open and honest about your current debt situation to enable their trained staff to give you help and advice.
Please note, we are not responsible for the content, security or the Privacy Polices of third-party sites, and have no control over other third party websites.
Citizens Advice
For advice and information on debt and other topics contact your local Citizens Advice Bureau or visit www.adviceguide.org.uk
Money Advice Service
Telephone 0300 500 5000 to speak to a money adviser or visit www.moneyadviceservice.org.uk for access to advice, information and money tools.
National Debtline
For advice & information if you live in England, Scotland & Wales, telephone 0808 808 4000 or visit www.nationaldebtline.org
Money Advice Scotland
If you live in Scotland you can find contact details for debt advice in your local area by telephoning 0141 572 0237 or visit www.moneyadvicescotland.org.uk
StepChange Debt Charity
Telephone 0800 138 1111 for debt advice throughout the UK or visit www.stepchange.org
Advice UK
Telephone 0300 777 0107 or visit www.adviceuk.org.uk
Financial Ombudsman Service (FOS)
If you have a complaint and are unable to resolve it with your lender the FOS may be able to help. Telephone 0300 123 9123 or visit www.financial-ombudsman.org.uk
Financial Conduct Authority (FCA)
For consumer help and guidance telephone 0800 111 6768 or visit www.fca.org.uk
Free vulnerability support
It’s believed that half of UK adults (26 million people) experience potential vulnerability each year. This can include over-indebtedness, mental health problems, serious and terminal illnesses, addictions involving gambling, alcohol, or drugs, as well as difficulties with decision-making and mental capacity.
With lots of free advice services available across the UK, you can find help in a way that’s best for you.
Alcoholics Anonymous
A fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from alcoholism.
0800 9177 650 www.alcoholics-anonymous.org.uk
Cruse Bereavement Care
A national helpline staffed by trained bereavement volunteers, who offer emotional support and offer a listening ear to anyone affected by bereavement
0808 808 1677 www.cruse.org.uk
Gamblers Anonymous
A fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to do the same.
0330 094 0322 www.gamblersanonymous.org.uk
Mind
A national organisation with branches in most towns and cities providing support to anyone experiencing mental health problems.
0300 123 3393 www.mind.org.uk
Narcotics Anonymous
A non-profit fellowship of men and women for whom drugs had become a major problem, offering support to help others to recover from an addiction,.
0300 999 1212 www.ukna.org
Refuge
Supports women and children who experience all forms of violence and abuse. Available 24-hours a day.
0808 2000 247 www.refuge.org.uk
Samaritans
Available 24 hours a day to provide confidential emotional support for people who are experiencing feelings of distress or despair
116 123 www.samaritans.org