If you are experiencing financial difficulty, you may find it helpful to speak to a debt advice organisation for free, confidential and impartial advice. We’ve gathered a list of such organisations below.
HELP WITH YOUR FINANCES
StepChange (formerly the Consumer Credit Counselling Service) is the leading debt charity in the UK providing free advice, help with budgets and debt management plans tailored to your personal situation.
Citizens Advice provides free, independent and confidential advice on getting out of debt, and a variety of other issues. With branches across the UK they have useful resources online, such as debt FAQs and budgeting tools.
The Money Charity
The Money Charity (formerly Credit Action) is a charity with over 20 years’ experience in money management. As well as free and confidential advice, they provide several useful money management apps, such as the “Spendometer”.
AdviceUK is the UK’s largest support network for free, independent advice centres. AdviceUK was formed in 1979 as the Federation of Independent Advice Centres (FIAC). As a UK-wide organisation AdviceUK is a key member of the Advice Services Alliance.
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. Visit the National Debtline library to view a range of fact sheets.
Debt Action Northern Ireland
Debt Action Northern Ireland is a project ran by Advice Northern Ireland which offers free, confidential and impartial debt and money advice.
A one stop shop offering free help and advice to Northern Ireland consumers.
Payplan offers a fresh approach to dealing with financial difficulties. Payplan is the UK’s largest provider of free debt solutions, including free debt management plans and Individual Voluntary Arrangements (IVAs).
Financial Ombudsman Service
The Financial Ombudsman Service was set up by law to resolve individual disputes between consumers and financial services businesses. It can deal with complaints about a wide range of financial and money matters, from insurance and mortgages to investments and credit.
Civil Legal Advice
Legal aid can help you pay for legal advice, family mediation and representation in court and some tribunals. This could include help for housing, debt, family or education problems. You can also get legal aid if you’re accused of a crime.
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.
IE Hub is a free, online application that makes completing your Income and Expenditure easier and more convenient, allowing you to share your Income and Expenditure information with multiple companies, as well as putting you in control of your financial information.
IE Hub’s added intelligence means you answer the questions that are relevant to your personal circumstances. That means fewer mistakes and a true Income and Expenditure profile, helping you with your credit situation.
I’m worried about Mum
I’m worried about Mum supports older people, vulnerable adults and their families to directly access professional advice, accurate information and friendly support.
Support and guidance offered is emotional, practical and tailored to personal needs so that you gain the best outcome for your loved one.
Changing Lives is a nationwide charity helping people facing challenging times to make positive change – for good.
Settld has one simple goal: to remove the stress involved in closing, transferring or freezing the accounts of someone who has died. Utilities, banking, pensions, insurance, TV, broadband, social media…the list goes on. We notify all companies in one go, which means you only have to say it once. And for members of the public, it’s completely free.
Policy in Practice Benefits calculator
Policy in Practice Benefits calculator Through just a few simple steps you can see how much benefit you are eligible for and how much better off you might be in work. You can also see how changes in your household budget can affect your income. You can use the calculator for free, but if you want to save and compare calculations, you need to set up an account with us.
Resolver is a free, independent issue resolution service.
We connect consumers with organisations to help find the best outcome every time.
GuardianCard is a revolutionary new debit card designed to give you, or your older or vulnerable relatives, a safe, simple and secure solution to managing day to day finances. GuardianCard allows you to issue cards, physical cards or virtual, linked to the account to trusted family members or friends so that they can shop or pay bills on your behalf. You set the spending limit and you keep control of your cash.
DEALING WITH A LOSS
The Continued Path website offers links to free, independent support organisations as well as practical advice for survivors in the areas of heath & wellness, wills & probate and estates & finance. This site is designed purely to provide an objective online resource, available at the visitor’s convenience with useful information including definitions for common terms associated with the probate process.
GamCare operate the National Gambling Helpline and offer confidential information, advice and support for anyone affected by problem gambling in Great Britain. The Helpline is open 24 hours every day on Freephone 0808 8020 133 or via Live Chat. Advisers will listen to you, they won’t judge and your conversation is confidential. For a full range of support options, visit www.gamcare.org.uk.
HEALTH ISSUES RELATED TO DEBT
Counselling Directory provides a huge support network of counsellors, enabling visitors to find a counsellor close to them and appropriate for their needs.
welldoing.org is an independent, UK-wide directory of therapists and counsellors who are all members of reputable professional organisations. It also supplies information and advice in the areas of mental health, wellbeing and self-development
The Information Commissioner’s Office is the UK’s independent authority set up to promote access to official information and to protect personal information
DEBT AND MENTAL HEALTH
A free 44-page PDF booklet supported by Mind, Rethink, CAPUK and others, for people with mental health problems and those caring for them.
It covers how to handle debts when unwell, work with banks, free debt counselling, specific tips for bipolar disorder or depression sufferers, whether to declare a condition and more. View the guide
REGISTER AS AN INDIVIDUAL
CREDIT REFERENCE AGENCIES
Credit reference agencies (CRAs) obtain information from creditors (bank or building society, government department, local authority or utility company etc) and then these creditors make decisions about granting and recovering credit from customers based on the information held by the CRAs. Some of this information will be stated in the credit file the credit reference agency maintains about you. You can ask the credit reference agencies for a copy of your credit file at any time. They may charge a fee for this service. If there is anything incorrect on your credit file, you can ask them to add a “Notice of Correction”. You can find more information about dealing with incorrect entries or your credit history and credit file by contacting the CRA’s below;
The details of the three UK credit reference agencies are as follows:
PO Box 7710
T: 0844 481 8000
Consumer Services Team
PO Box 491
T: 0330 024 7574
Equifax Ltd Customer Service
PO Box 10036
T: 0800 014 2995
T: 0333 321 4043