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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 8am to 8pm; Sat 8am - 4pm 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 9am to 9pm; Sat 9.30am - 1pm 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. Face to face – search online for local Citizens Advice Bureau
www.adviceguide.org.uk
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.