Help & Advice
Free, independent, impartial advice
In addition to discussing your payment difficulties with us, you may also want to discuss your situation with a professional advisor such as a debt counsellor or a solicitor. There are also sources of free and independent debt advice available.
Details of some of these organisations are given below:
MoneyHelper
0800 138 7777 www.moneyhelper.org.ukFor free, unbiased and easy-to-access money tools, information and advice, including how to access independent free debt advice services. Calls are also free.
0800 138 0555 (Welsh)
Citizens Advice England
0800 144 8848 www.citizensadvice.org.ukRelay UK - if you can't hear or speak on the phone, you can type what you want to say: 18001 then 0800 144 8884.
For advice and information on debt and other topics, visit your local Citizens Advice.
Citizens Advice Wales
0800 702 2020 www.citizensadvice.org.uk/walesRelay UK - if you can't hear or speak on the phone, you can type what you want to say: 18001 then 0800 144 8884.
For online advice on debt, visit their Help with Debt webpages or visit your local Citizens Advice bureau for advice and information on debt and other topics.
Citizens Advice Scotland
0800 028 1456 www.citizensadvice.org.uk/scotlandOffers free, confidential and face-to-face advice. Scotland’s Citizens Advice Helpline is open Monday to Friday 9am to 5pm. Calls are free.
Look for your local bureau: www.cas.org.uk/bureaux?postcode=
Link to “Get Advice” page: www.citizensadvice.org.uk/scotland/about-us/get-advice-s/
GOV.UK
www.gov.ukGovernment website providing information on a range of subjects including benefit entitlement, housing, local services, money, tax and pensions.
Money Advice Scotland
www.moneyadvicescotland.org.ukSpeak to someone confidentially, by accessing their webchat. They also have a range of resources for people going through the debt advice process including debt terms explained, help accessing your income and expenditure report, and benefits calculator.
StepChange Debt Charity
0800 138 1111 www.stepchange.orgOffers a structured programme of advice on how to manage your money.
StepChange’s Debt Advice Line is open Monday to Friday 8am to 8pm and Saturday 8am to 4pm.
Housing Advice NI
028 9024 5640 www.housingadviceni.orgFree, confidential impartial advice provided by the Housing Rights Service to the public in Northern Ireland.
Can provide advice by email via their website - visit www.housingadviceni.org/get-advice-email.
Shelter
0808 800 4444 www.shelter.org.ukThe housing and homelessness charity. Provides advice about dealing with mortgage arrears.
Shelter’s Helpline is open weekdays 8am to 8pm and weekends 9am to 5pm.
Northern Ireland Housing Executive
03448 920 900 www.nihe.gov.ukAdvice for Housing Executive tenants and leaseholders.
Advice on housing benefit, applying for a home, homelessness, grants and more.
National Debtline
0808 808 4000 www.nationaldebtline.orgProvides a free, confidential and independent telephone advice service.
Also provides specific advice for help on energy bills.
Payplan
0800 280 2816 www.payplan.comFree debt management plans and confidential advice on debt problems. Webchat also available.
Payplan’s Help Line is open Monday to Friday 8am to 8pm and Saturday 9am to 3pm.
Advice NI
0800 915 4604 www.adviceni.net/money-debt/debtFree, confidential tailored debt advice, budgeting advice, solutions to deal with your debt and negotiate with creditors on your behalf in Northern Ireland.
Advice UK
www.adviceuk.org.ukAdviceUK does not give advice to members of the public. They are a membership organisation for advice centres.
However, one of their member organisations may be able to assist you - visit their AdviceUK Member Directory or Scottish AdviceUK Member Directory.