Free independent help and advice

You can get independent and free advice to help you with money worries from many organisations, including:

PayPlan, live again

PayPlan, Live again

PayPlan offers free and confidential money advice that can help you to take back control of your finances.

They offer advice by phone, email and live chat making it quick and easy to access the advice you need.

0800 316 3486

Lines are open Monday to Friday 8.00am - 8.00pm and Saturday 9.00am - 3.00pm

Arrange a call or email back from PayPlan


National Debtline logo

National Debtline

National Debtline gives free debt advice by phone and online to people across the UK

0808 808 4000 

Lines are open Monday - Friday 9.00am - 9.00pm and Saturday 9.30am - 1.00pm

Visit National Debtline website

StepChange Debt Charity logo

StepChange Debt Charity

StepChange Debt Charity is a registered charity offering free, impartial advice and support to anyone who is worried about debt.

Their free counselling and debt advice can help you get back in control of your money and move forward with your life.

0800 138 1111

Lines are open Monday - Friday 8.00am - 8.00pm and Saturday 8.00am - 4.00pm

Visit StepChange Debt Charity website


Citizens Advice logo

Citizens Advice

Citizens Advice offers free help on a wide range of issues including debt.

Check your local phone book or Yellow Pages to get in touch.

Visit Citizens Advice website

The Money Advice Service logo

The Money Advice Service (MAS)

Set up by the UK government,  MAS offers free and impartial money advice. It can provide information  to help you decide the best way to take things forward and keep your payments on track.

It also suggest organisations which provide debt management services or providers who can help you keep on top of your money.

0800 138 7777

Lines are open Monday to Friday 8.00am - 8.00pm and Saturday 9.00am - 1.00pm

Visit The Money Advice Service website