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.
0300 777 0107
All members provide free and confidential advice, but not all provide money advice.
Money Advice Service (MAS)
Phone the helpline on 0300 500 5000.
The MAS produces several guides on how to manage your money and these are available online at: www.moneyadviceservice.org.uk
Money Advice Scotland
0141 572 0237
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
Look in the Phone Book or on the CAB website for the telephone number of your local bureau.
0808 808 4000 (freephone)
Provides a free, confidential and independent telephone advice service.
Step Change Debt Charity
0800 138 1111 (freephone)
Offers you help to deal with several debts./
0800 197 6026 (freephone)
Free, confidential and independent advice for self-employed people and small businesses.
0808 271 3728
Free confidential advice on debt problems.
Other helpful contacts
Jobcentre Plus Office
Your local office can tell you if you are eligible for any State benefits – look in your Phone Book for details.
0345 300 3900 (Tax credits helpline)
0345 300 3909 (Minicom/Textphone)
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.
0808 800 4444
Offers help with housing, mortgage debt or problems with welfare benefits.