How to deal with debt Free debt advice contacts

Checklist

  • Don’t use a commercial debt-management company. There is plenty of free and independent advice for people struggling with debt.
  • National Debtline offers mainly telephone-based free advice. It also runs a free online service called My Money Steps.
  • Face-to-face advice is provided by Citizens Advice and Citizens Advice Scotland. Money Advice Scotland is an umbrella group representing debt-advice agencies across Scotland.
  • The Consumer Credit Counselling Service offers advice face to face in ten regional centres, as well as by telephone and online.
  • If a debt-management company fails to deal with your complaint against it, the Financial Ombudsman Service (FOS) may be able to help.

Free debt advice organisations

If you're struggling with debt, these national organisations offer free, impartial help and advice:

Citizens Advice England and Wales - see website or telephone directory for regional telephone numbers

Citizens Advice Scotland - see website or telephone directory for regional telephone numbers

Citizens Advice Northern Ireland - see website or telephone directory for regional telephone numbers

National Debtline - 0808 808 4000. National Debtline also offers a free online service My Money Steps.

StepChange Debt Charity (formerly CCCS) - 0800 138 1111

Christians Against Poverty - 0800 328 0006

Debt Action NI - 0800 917 4607

Debt Advice Foundation - 0800 043 4050

Debt Support Trust - 0800 085 0226

Payplan - 0800 280 2816

Community Money Advice - 01743 341929

There are also other organisations that offer free advice. Many offer localised face-to-face advice.

Remember: if a debt advice organisation is unable to offer you a free debt solution that matches your personal circumstances, ask for a referral to a free alternative.

Business debt advice

Business Debtline - 0800 197 6026

Other useful contacts

Child Support Agency - 0845 713 3133

Financial Ombudsman Service - 0845 080 1800

JobCentre Plus - see website or telephone directory for query-specific telephone numbers

The Insolvency Service - 0845 602 9848

Samaritans National Helpline - 0845 790 9090

Home Heat Helpline - backed by the energy industry, the Home Heat Helpline offers advice to help you access energy grants, benefits and payment schemes - 0800 336 699

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