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

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 Advice Service

: 0300 500 5000

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

National Debtline

: 0808 808 4000

National Debtline is an independent debt advice service run by the charity Money Advice Trust.

Citizens Advice
Voluntary and Community Resource Centre, High Street, Grays, RM17 6XP

: 03444 770 808

Citizens Advice: Debt and Money – offers a debt counselling service that may help if you are in severe financial difficulty.

StepChange Debt Remedy

: 0800 138 1111

Debt Remedy helps you make an personal action plan online 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.