I need debt advice

If you are experiencing financial difficulties, there are free debt advice options available to you.

Independent organisations provide expert advice on debt, including payday loans, student debt advice, unemployment or low income debt problems, debt help after bereavement and general debt stress.

If you contact any of the below organisations and find they are able to assist you, please let us know as this will allow us to provide you some time to work out a plan best suited to your individual circumstances.​

Please see below list of free debt advice organisations: 

Advice UK

Member centres offer debt advice, some providing specialist advice for minority, ethnic and refugee communities and people with disabilities. For further information, please phone 0300 777 0107 or click here to visit their website.

Christians Against Poverty (CAP)

A national debt counselling charity with centres throughout the UK. Please phone 01274 760720 or click here to visit their website.

Citizens Advice Bureau

Offers face-to-face debt advice. Get free information and advice about legal, money and other problems. Click here to visit website.

Money Advice Scotland

If you live in Scotland, phone 0141 572 0237 or click here to visit their website to find contact details for debt advice in your local council area.


Offers confidential and impartial advice to help people to clear their debts, reduce spending and make the most of their income. Click here to contact them.

National Debtline

Offers confidential and independent debt advice by telephone for people in the UK. Please phone 0808 808 4000 or click here to visit their website. 


Offers comprehensive advice, guidance and support for anyone struggling with debt. Please phone 0800 802 1510 or click here to visit their website.

StepChange Debt Charity

Offers confidential debt advice and support to anyone worried about debt. Please phone 0800 138 1111 or click here to visit their website.