Debt Advice
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 | Where |
| 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 08:00 to 20:00; Sat 08:00 - 16:00 |
Debt Management Plan and insolvency advice Online Debt Remedy self help tool |
UK |
| 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 09:00 to 21:00; Sat 09:30 to 13:00 |
Budgeting, debt solutions and free self-help information pack My Money Steps - online self-help tool |
England, Scotland & Wales |
| CITIZENS ADVICE BUREAU | You're in serious financial difficulties and you’d prefer face-to-face help from an adviser. |
www.adviceguide.org.uk
Face to face – search online for local Citizens Advice Bureau |
Times vary depending on branch |
Advice on managing your money Budget planner |
UK |
Check your credit history and find out more about how you can improve your rating
You can request to see a copy of your credit history and get more advice on how to improve your credit rating here:
Why order a credit report?
Everyone should order a copy of their credit report regularly. When you review your credit report you can check for any errors or inconsistencies which can be corrected by contacting the relevant credit reference agency. For example, if you're separated or divorced, see if there are still debts in your name which your ex-partner is supposed to be paying.