USEFUL LINKS, HELP AND 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 lawyer. There are also many sources of free and independent debt advice available to consumers from well-regarded charities and other organisations. Details of some of these organisations are given below:
Free, independent, impartial advice

Citizens Advice England

0800 144 8848

www.citizensadvice.org.uk


Relay 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. 

     

MoneyHelper

0800 138 7777

0800 138 0555 (Welsh)

www.moneyhelper.org.uk/en

 

For free, unbiased and easy-to-access money tools, information and advice, including how to access independent free debt advice services.

Calls are also free.

Citizens Advice Wales

0800 702 2020

www.citizensadvice.org.uk/wales

or

https://www.citizensadvice.org.uk/debt-and-money/help-with-debt/w

 

Relay 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 Scotland

0800 028 1456

www.citizensadvice.org.uk/scotland/

 

Offers 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.uk

 

Government website providing information on a range of subjects including benefit entitlement, housing, local services, money, tax and pensions.




Money Advice Scotland

www.moneyadvicescotland.org.uk/Pages/
Category/help-for-people-in-debt

 

Speak 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.

Step Change Debt Charity

0800 138 1111

www.stepchange.org

 

Offers a structured programme of advice on how to manage your money.

 

Step Change’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.org

 

Send an Email via the website:  www.housingadviceni.org/get-advice-email

 

Free, confidential impartial advice provided by the Housing Rights Service to the public in Northern Ireland.

Shelter

0808 800 4444

www.shelter.org.uk

 

The 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.uk

 

Advice for Housing Executive tenants and leaseholders. Advice on housing benefit, applying for a home, homelessness, grants and more.


Jobcentre Plus

www.gov.uk/contact-jobcentre-plus

 

For information and advice, or to make a claim for benefits if you are under state pension age.

 

If you want to contact your nearest office, you can find their details using the local office search.







Pension Service

0800 731 0469

0800 731 0453 (Welsh)

www.gov.uk/contact-pension-service

 

Relay UK - if you can't hear or speak on the phone, you can type what you want to say: 18001 then 0800 731 0469

 

For information and advice, or to make a claim for benefits if you are over state pension age.

 

The Pension Service Advice Line is open Monday to Friday 9:30am to 3:30pm.

National Debtline

0808 808 4000

www.nationaldebtline.org

 

Provides a free, confidential and independent telephone advice service.

Christians Against Poverty (CAP)

www.capuk.org

 

For free debt advice in your home, check postcode coverage at www.capuk.org then call 0800 328 0006.

Payplan

0800 280 2816

www.payplan.com

 

Free 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/debt

 

Free, confidential tailored debt advice, budgeting advice, solutions to deal with your debt and Negotiate with creditors on your behalf in Northern Ireland


Other useful organisations

 

Civil Legal Advice

You may get legal aid if your home is at risk. Check at www.gov.uk/civil-legal-advice or phone 0345 345 4345. (Open Monday to Friday 9am to 8pm and Saturday 9am to 12:30pm).

 

Financial Ombudsman Service

If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help - Phone 0800 023 4567 or visit www.financial-ombudsman.org.uk.