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Helpful contacts

There are many organisations which offer free, independent money advice. Their advisers can assess your situation and devise a suitable course of action for you.

Budgeting and debt advice


0800 280 2816

Payplan offers free debt solutions, including free debt management plans and Individual Voluntary Arrangements or IVA's.

The following link provides access to PayPlan's Financial Wellbeing Hub and provides self-help resource.

The following link provides access to PayPlan's budget tool which will assist customers with every type of bill and give you information on any benefits you may be entitled to.


0800 138 7777

Set up by the government, the MoneyHelper service offers free, impartial advice on everything from budgeting to managing periods of financial difficulty.

MoneyHelper's Money Navigator Tool can provide helpful guidance personalised to your financial needs, and highlight areas where you should consider taking action now to avoid money problems in the future.

Citizens Advice Bureau (CAB)

0800 144 8848 (England)
0800 702 2020 (Wales)
0800 028 1456 (Scotland)

The Citizens Advice Bureau offers free, impartial advice on a wide range of subjects, including specific help with mortgage problems.

National Debtline

0808 808 4000

Provides a free, confidential and independent telephone advice service.

Step Change Debt Charity

0800 138 1111

Step Change offers free, impartial advice to people currently struggling with money, and gives tips on budgeting and managing credit commitments.

Business Debtline

0800 197 6026

Free, confidential and independent advice for self-employed people and small businesses.

Christians Against Poverty

0800 328 0006

Churches across the UK partnered with CAP to provide free debt help and community groups.

Mental Health & Money Advice

The Mental Health Money Advice service, brought to you by our charity partner, Mental Health UK, helps individuals who are experiencing poor mental health in combination with problem debt / insufficient income to manage their on-going commitments.

Mental Health UK offer individuals a holistic service by helping them to maximise their income, look at putting in place suitable and sustainable debt solutions. They also help individuals with budgeting and guiding our clients to relevant specialist charities to manage their mental health.

Other helpful contacts

Housing Loss Prevention Advice Service

If you're in England or Wales, you can access free legal support through the Housing Loss Prevention Advice Service and if you are required to attend a court hearing they may be able to represent you.

Jobcentre Plus Office

Find your nearest job centre

Your local office can tell you if you are eligible for any State benefits.

Government benefits

For information about benefits.

Council Tax Reduction

To find out if you may be eligible for a reduction in your council tax or to apply.

Need more help?

Call us

If you need more help, speak to our dedicated Credit Management team.

0345 850 1766

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