From midnight to 3pm, Saturday 10 December, due to essential maintenance work our online services for benefits and managing council tax accounts will not be available. Please do not try to use these services during this time – we apologise for any inconvenience. You can still make council tax payments online or by phone during this time.
Help with money
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
Go to Citizens Advice: work out your budget to get help understanding:
- what you're earning
- what you're spending
- where you might be able to cut costs
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 Helper gives independent advice and guidance on money matters. Money Helper was previously known as the Money Advice Service.
: 0808 808 4000
National Debtline is an independent debt advice service run by the charity Money Advice Trust.
: 0808 278 7877 (free phone)
Citizens Advice: Debt and Money – offers a debt counselling service that may help if you are in severe financial difficulty.
: 0800 138 1111
StepChange free debt advice includes an online debt help tool that can help you make a personal action plan for the best way to deal with your debts.
: 0808 802 2000
Turn2us 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/
Fair debt collection
Our policy for fair debt collection and recovery is provided below.