If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across the UK, you can find help in a way that’s best for you.
How will a debt adviser help you?
A debt adviser will:
- Never judge you or make you feel bad about your situation
- Always be happy to talk to you, however big or small your problem might be
- Find ways to manage your debts even if you think you have no spare money
- Suggest ways to deal with debts that you might not know about.
Did you know?
Most people who have received debt advice say that they feel less stressed or anxious and more in control of their life again. All of the services listed in this article are free, confidential and hold a standard or membership code accredited by the Money and Pensions Service and are recommended by the UK Government.
Debt Advice Services
Online services are secure and you can get immediate, personalised help with some services available 24 hours a day. Telephone services are usually available weekdays, evenings and Saturdays, you can speak directly with an expert adviser. The NCCF doesn’t endorse any of the Debt advice services listed below.
StepChange Debt Charity
We help change the lives of thousands of people every week. Get free, confidential advice and practical solutions to help you deal with your debts. We’ve helped over 1.7m people. Create a budget and get a personal action plan with practical next steps. Get free help from one of the UK’s leading debt charities.
Whole of the UK inc Northern Ireland
www.stepchange.org
0800 138 1111
National Debtline
National Debtline offers free debt advice online through its digital advice tool and its web guides, fact sheets and sample letters. The National Debtline has helped millions of people with their debts, they’ll talk you through options and give clear advice on how to take back control of your finances.
Whole of the UK inc Northern Ireland
www.nationaldebtline.org
0808 808 4000
PayPlan
PayPlan’s supportive, non-judgemental team of advisers help thousands of people beat their debts every year. Their online debt solution tool, can give you a personalised debt solution in as little as 15 minutes. They also offer free live chat and email support for immediate help or you can call and speak to an advisor who will treat your call in the strictest of confidence.
Whole of the UK inc Northern Ireland
www.payplan.com
0800 280 2816
Financial Wellness Group
Financial Wellness Group provides free advice and solutions for people struggling with money, debt and budgeting. We have 27+ years of experience supporting people to find a route to become debt free.
England only
www.financialwellnessgroup.co.uk
0161 518 8285
Debt Advice Foundation
Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.
England and Wales only
www.debtadvicefoundation.org
0800 622 61 51
Advice NI
Advice NI deliver a range of advice services to the public including Debt and Money, Tax and Benefits, EU Settlement Scheme and Business Debt.
Northern Ireland only
www.adviceni.net/advice/debt
0800 915 4604
Money Adviser Network
The Money Adviser Network offers free debt advice backed by MoneyHelper. Provide your contact details in confidence and we’ll connect you with a qualified and regulated money advice provider so you can get back on track.
England only
https://adviser.moneyhelper.org.uk
Youth Legal and Resource Centre
Youth Legal is an independent charity based in Wandsworth, assisting marginalised and vulnerable young people across the London area offering legal and debt advice.
London Area
https://www.youthlegal.org.uk
0203195 1906
