Need help getting out of debt?

If you’re experiencing financial trouble, consider using one of these services that offer free debt advice.

Warning: Late repayment can cause you serious money problems. For help, go to
Representative Example: Amount of credit: £200 for 28 days. One total repayment of £244.80. Interest: £44.80. Interest rate: 292% pa (fixed). 1294.1% APR Representative.

The Debt Counsellors Charitable Trust

A registered charity that offers free, confidential, impartial advice to English and Welsh consumers in financial difficulty.
Helpline Phone Number: 0300 456 2726
Monday – Friday from 9 a.m. – 5 p.m.
Saturday and Sunday closed

The National Debtline

A national telephone helpline for people with debt problems in England, Wales and Scotland. Their service is free, confidential and independent.
Helpline Phone Number: 0808 808 4000
Monday – Friday from 9 a.m. – 9 p.m.
Saturday from 9:30 a.m. – 1 p.m.

Money Advice Service

Independent service set up by the government to help people make the most of their money. Offers free, unbiased money advice.
Money Advice Hotline For English, call: 0300 500 5000
For Welsh, call: 0300 500 5555
Monday – Friday from 8 a.m. – 8 p.m.
Saturday from 9 a.m. – 1 p.m.