Help with money

Debt and money advice

Some basic rules for dealing with debt problems are:


  • disregard debt problems
  • ignore court papers or letters from creditors


  • deal with all your debts
  • fill in and return any court forms
  • go to any court hearing

Free independent advice

There are a number of services that offer free, confidential and independent advice if you are struggling to deal with your problems:

Money Advice Service

: 0300 500 5000

The Money Advice Service gives free independent advice and guidance on money matters.

National Debtline

: 0808 808 4000

National Debtline is a free, independent, confidential debt advice service run by the charity Money Advice Trust.

My Money Steps

: 0808 808 4000

My Money Steps is a free online debt advice service from National Debtline. It is free, confidential and simple to use.

StepChange Debt Remedy

: 0800 138 1111

Debt Remedy is a free, anonymous online helping you make a personal action plan for the best way to deal with your debts


: 020 8834 9256

Turn2us is a free service that helps people in financial need to access welfare benefits, charitable grants and other financial help.

You can also get advice at GOV.UK: options for paying off your debt/

Credit unions

Credit unions are financial co-operatives, owned and controlled by their members. They offer a safe and convenient way to save and easy-to-access loans at fair rates of interest.

Fair debt collection

Our policy for fair debt collection and recovery is provided below.