There are many organisations which offer free independent money advice. Their advisors can assess your situation and devise the best course of action for you.
Advice UK
020 7407 4070
www.adviceuk.org.uk
All members provide free and confidential advice, but not all provide money advice.
Money Advice Scotland
0141 572 0237
www.moneyadvicescotland.org.uk
Provides details of advice agencies throughout Scotland that offer a free, independent, impartial and confidential advice service.
Citizens Advice Bureau (CAB)
(UK and Northern Ireland)
www.adviceguide.org.uk
Look in the Phone Book or on the CAB website for the telephone number of your local bureau.
National Debtline
0808 808 4000 (freephone)
www.nationaldebtline.co.uk
Provides a free, confidential and independent telephone advice service.
Consumer Credit Counselling Service (CCCS)
0800 138 1111 (freephone)
www.cccs.co.uk
Offers you help to deal with several debts.
Business Debtline
0800 197 6026 (freephone)
www.bdl.org.uk
Free, confidential and independent advice for self-employed people and small businesses.
Credit Action
0800 138 1111 (freephone)
www.creditaction.org.uk
Works in partnership with the CCCS and .publishes factsheets about debt and budgeting.
Payplan
0800 917 7823
www.payplan.com
Free confidential advice on debt problems.
OTHER HELPFUL CONTACTS
The organisations below may also be able to offer you assistance:
Jobcentre Plus Office
Your local office can tell you if you are eligible for any State benefits – look in your Phone Book for details.
Directgov
0845 300 3900 (Tax credits helpline)
0845 300 3909 (Minicom/Textphone)
www.directgov.gov.uk
For information about tax credits.
Council Tax Benefit
To see if you are eligible for help with your council tax bill, phone Jobcentre Plus on 0800 055 6688 or contact your local council.
Shelter
0808 800 4444
www.shelter.org.uk/adviceonline
Offers help with housing, mortgage debt or problems with welfare benefits.
Financial Services Authority (FSA,)
Phone the helpline on 0845 606 1234.
The FSA produces several guides on how to manage your money and these are available online at:
www.moneymadeclear.fsa.gov.uk