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Struggling With Your Debt?

If you’re struggling with debt, it can be hard to know where to turn. But there are free, confidential help and advice services available across the UK.

Step Change Debt Charity can provide you with the expert advice, budget support and solutions to help you manage your debts.

National Debtline can offer free debt advice online through its My Money Steps tool and its web guides, fact sheets and sample letters.

Citizens Advice Bureau provides face to face advice if you’re in serious financial difficulty.

Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.


Claiming Benefits & Tax Credits?

Whether you’re employed or unemployed, make sure that you get all the help that you're entitled to.

Claiming Correct Tax Credits?

Get an estimate of how much in tax credits you could get in total by using the government’s tax credits calculator, from today’s date to the end of the 2015 to 2016 tax year.

Claiming Correct Benefits?

A government approved independent benefits calculator can help you find out what benefits you could get, how to claim and how your benefits will be affected if you start work.


Look After Your Pennies

We should all make sure we are not paying more for our bills than we need to.

Energy Bills

Ofgem regulates the electricity and gas markets in the UK and have an approved comparison checker to help energy consumers get the best deal.

Phone, TV and Broadband Bills

The UK communications industries are regulated by Ofcom and provides an approved comparison checker helps consumers choose the best phone, TV and broadband deal.

Water Bills

Thinking about switching to a water meter? Use the Consumer Council for Water’s calculator to see if you could save money. If your water company cannot fit a meter, you may be able to speak to your supplier regardless.


We’re committed to helping customers in financial difficulty. The organisations below offer free debt advice and may be able to help you too:

Sources of Free Money Advice

Organisation When Contacts Details Hours of Help Advice/Services
CITIZENS ADVICE BUREAU You're in serious financial difficulties and you’d prefer face-to-face help from an adviser. Face to face – search online for local Citizens Advice Bureau
Times vary depending on branch Advice on managing your money
Budget planner
NATIONAL DEBTLINE You'd like advice on how to deal with debt problems and you're happy to speak to creditors yourself. www.nationaldebtline.co.uk
T: 0808 808 4000
Mon to Fri 9am to 9pm; Sat 9.30am - 1pm Budgeting, debt solutions and free self-help information pack
My Money Steps - online self-help tool
STEP CHANGE DEBT CHARITY You've got surplus income once your priority debts are paid and prefer an adviser to negotiate with creditors on your behalf. www.stepchange.org
T: 0800 138 1111
Mon to Fri 8am to 8pm; Sat 8am - 4pm Debt Management Plan and insolvency advice
Online Debt Remedy self help tool


Important information about our loans. Please take time to read about us and how we operate as we take our responsibilities and duties as a provider of consumer finance seriously.

We want you to understand about the finance we provide. Please click here to view more important information. And click here to read some FAQ's before you make an online application for credit.

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