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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.
Whether you’re employed or unemployed, make sure that you get all the help that you're entitled to.
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.
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.
We should all make sure we are not paying more for our bills than we need to.
Ofgem regulates the electricity and gas markets in the UK and have an approved comparison checker to help energy consumers get the best deal.
The UK communications industries are regulated by Ofcom and provides an approved comparison checker helps consumers choose the best phone, TV and broadband deal.
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
|NATIONAL DEBTLINE||You'd like advice on how to deal with debt problems and you're happy to speak to creditors yourself.||
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.||
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
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