Manage Your Finances
 

Useful Links

Organisations that can help you with debt problems

If you need further help, this section contains contact details for a number of free helplines, advice and consumer organisations, benefit helplines, ombudsmen, regulatory bodies, trade associations and credit reference agencies who may be able to give you more advice and assistance

National Debtline

National Debtline offers free, confidential and independent help over the phone if you’re in England, Scotland or Wales.

Free debt advice and information from National Debtline

Insolvency Service

The Insolvency Service provides information on alternatives to bankruptcy and what to do if an employer who is declared insolvent doesn’t pay you your redundancy entitlement.

Get help with matters relating to insolvency on the Insolvency Service website

StepChange Debt Charity

StepChange Debt Charity provides free, independent and impartial advice to people who have debt problems. Its website also offers free online guides.

Get debt advice from the StepChange Debt Charity website

Citizens Advice Bureau

The Citizens Advice Bureau provides free information and advice on legal, money and other problems.

Find your local Citizens Advice Bureau

Helplines

Adfam
National charity working with families affected by drugs and alcohol
Tel: 020 7553 7640
www.adfam.org.uk

Age UK
Advice about money, benefits and other issues for older people
Tel: 0800 169 6565
www.ageuk.org.uk

Business Debtline
Debt advice for the self-employed and small businesses
Tel: 0800 197 6026
www.bdl.org.uk

Childline
Confidential support for children
Tel: 0800 1111
www.childline.org.uk

Cruse
Advice and support for people dealing with death
Day by Day Helpline
Tel: 0844 477 9400
www.crusebereavementcare.org.uk

Dial UK
Advice for people with disabilities
Tel: 01302 310 123
www.dialuk.info

Drinkline
Provides help if you are worried about your drinking habits
Tel: 0800 917 8282

Gamblers Anonymous
Provides advice on how to deal with gambling problems
Tel: 020 7384 3040
www.gamblersanonymous.org.uk

Gamcare
For advice on gambling issues for gamblers and their families
Tel: 0845 600 0133
www.gamcare.org.uk

Gingerbread
Lone parent helpline, advice and information for one-parent families
Phone: 0808 802 0925
www.gingerbread.org.uk

Low Incomes Tax Reform Group
Website includes guides for people on low incomes with tax and tax credit problems
www.litrg.org.uk

Mind
A charity and helpline which helps with mental-health problems
Tel 0845 766 0163
www.mind.org.uk

National Domestic Violence Helpline
Support and information for people experiencing domestic violence
Tel: 0808 2000 247
www.refuge.org.uk

National Drugs Helpline
Information and advice about drugs
Tel: 0800 77 66 00
www.talktofrank.com

Relate
Advice and counselling to help with relationship problems
Tel: 0300 100 1234
www.relate.org.uk

Rethink National Information and Advice Service
Advice on many issues, including money, for people with serious mental-health problems
Tel: 0845 456 0455
www.rethink.org

Rights of Women
Legal advice for women
Tel: 020 7251 6577
www.rightsofwomen.org.uk

Samaritans
Confidential emotional support
Tel: 0845 790 9090
www.samaritans.org

Saneline
Support for mental illness
Tel: 0845 767 8000
www.sane.org.uk

Shelter
Free housing advice helpline
Tel: 0808 800 4444
www.shelter.org.uk

TaxAid
Free, confidential advice about tax problems
Tel: 0845 120 3779
www.taxaid.org.uk

Turn2us
Provides advice about charitable grants and benefits
Tel: 0808 802 2000
www.turn2us.org.uk

TV Licensing
General enquiries about payment schemes
Tel: 0300 790 6131 (general enquiries)
www.tvlicensing.co.uk

Back to top Phone us for advice 0808 808 4000

Benefits

Carers Direct
Information, advice and support for carers
Tel: 0808 802 0202
www.nhs.uk/carersdirect/Pages/CarersDirectHome.aspx

Child Benefit Enquiry Line
Tel: 0845 302 1444
www.hmrc.gov.uk/childbenefit/

Child Support Agency Enquiry Line
Tel: 0845 7133 133
www.csa.gov.uk

Child Trust Fund
A government savings account for children
Helpline: 0845 302 1470
www.childtrustfund.gov.uk

Pension Credit Claim Line
Tel: 0800 99 1234
www.gov.uk

Disability Benefits Enquiry Line
Tel: 0800 88 22 00
www.gov.uk

Tax Credits Helpline
Tel: 0345 300 3900
www.hmrc.gov.uk/taxcredits

Veterans UK Helpline
Help and advice for war veterans
Tel: 0800 169 2277
www.veterans-uk.info

Winter Fuel Payments Helpline
Tel: 0845 915 1515
www.gov.uk

Back to top Phone us for advice 0808 808 4000

Advice & Consumer Organisations

Association of British Credit Unions
Find your local credit union
Tel: 0161 832 3694
www.abcul.org

AdviceUK
Network of independent advice agencies
Tel: 020 7469 5700
www.adviceuk.org.uk

Alternative Dispute Resolution
Alternative ways of solving disputes to court action
www.adrnow.org.uk

Citizens Advice
Offering independent and confidential advice on issues such as debt, money problems and welfare benefits
www.citizensadvice.org.uk
www.adviceguide.org.uk

Civil Legal Advice Helpline
A telephone service providing free, confidential and independent legal advice
Helpline 0845 3454 345

Consumer Focus
Statutory organisation campaigning for a fair deal for consumers
Tel: 020 7799 7900
www.consumerfocus.org.uk

Citizens Advice consumer service
Tel: 08454 04 05 06
www.adviceguide.org.uk

IFA Promotions
for a list of Independent Financial Advisers
www.unbiased.co.uk

Institute of Money Advisers (IMA)
Trade association for money advisers. Does not give advice to members of the public
Tel: 0845 094 2384
www.i-m-a.org.uk

Law Centres Federation
They do not give advice but you can check on their website to see if there is a law centre near you
Tel: 020 7842 0720
www.lawcentres.org.uk

Law Society
You can search for a solicitor on their website
www.lawsociety.org.uk/choosingandusing/findasolicitor.law

Legal Adviser Finder (Directgov)
A directory of agencies providing legal advice in your area (part of the Directgov website)
legaladviserfinder.justice.gov.uk

Money Advice Service
Responsible for helping consumers understand financial matters and manage their finances better.  Use the Health check to get advice about how to manage your financial issues.
Tel: 0300 500 5000
healthcheck.moneyadviceservice.org.uk

Money Claim Direct
Issue claims in the county court on-line
www.moneyclaim.gov.uk

Money Saving Expert
Consumer website for best deals and money saving
www.moneysavingexpert.com

The Helplines Association
Provides on-line directory of helplines
Tel: 0845 120 3767
www.helplines.org.uk

Trading Standards
Information for consumers and local trading-standards offices
Tel: 0845 404 0506
www.tradingstandards.gov.uk

Which?
Campaigns to get a fairer deal for all consumers
Tel: 01992 822 800
www.which.co.uk

Back to top Phone us for advice 0808 808 4000

Fuel and Water

Anglian Water Assistance Fund
Tel: 01733 421 060
www.anglianwater.co.uk/household/your-account/problems-paying/assistance/

British Gas Energy Trust
Tel: 01733 421 060
www.britishgasenergytrust.org.uk

EDF Energy Trust
Tel: 01733 421 060
www.edfenergytrust.org.uk

Energy Saving Trust
Tel: 0800 512 012
www.energysavingtrust.org.uk

Home Heat Helpline
Tel: 0800 33 66 99
www.homeheathelpline.org.uk

npower Energy Trust
Tel: 01733 421 060
www.npowerenergytrust.org.uk

Severn Trent Trust Fund
Tel: 0121 355 7766
www.sttf.org.uk

South East Water’s Helping Hand
Tel: 01733 421 060
www.southeastwater.co.uk/pls/apex/f?p=sewl:245:0

Southern Water Trust Fund
Tel: 0845 270 0897
www.swtf.org.uk

Thames Water Trust Fund
Tel: 0300 123 6001
www.twtf.org.uk

The Yorkshire Water Community Trust
Tel: 0845 124 24 26
www.ywct.org.uk

United Utilities Trust Fund
Tel: 0845 179 1791
www.uutf.org.uk/Index.html

Veolia Water Trust
Tel: 01733 421 060
www.veoliawatertrust.org.uk

Warm Front
Tel: 0800 316 2805
www.warmfront.co.uk

Back to top Phone us for advice 0808 808 4000

Ombudsmen & Regulatory bodies

Adjudicator’s Office
For complaints about HM Revenue & Customs, the Valuation Office Agency and The Insolvency Service
Tel: 0300 057 1111
www.adjudicatorsoffice.gov.uk

British & Irish Ombudsman Association
Lists ombudsmen and complaint handling bodies
Tel/fax: 020 8894 9272
www.bioa.org.uk

Equality and Human Rights Commission
Advice and guidance on equality and human rights
Helpline England 0845 604 6610
Helpline Wales 0845 604 8810
www.equalityhumanrights.com

Financial Ombudsman Service
For complaints about banks, building societies, loans and credit, hire-purchase, mortgages, insurance, investments, endowment policies and pensions
Tel: 0845 080 1800or 0300 123 9 123
www.financial-ombudsman.org.uk

Financial Services Authority (FSA)
Regulator for financial services such as banks and credit companies, insurance companies and mortgage lenders
Consumer Helpline
Tel: 0845 606 1234
www.fsa.gov.uk

Financial Services Compensation Scheme
An independent organisation which pays compensation if you have a claim against firms authorised by the FSA
Tel: 020 7892 7300 or 0800 678 1100
www.fscs.org.uk

Local Government Ombudsman
Deals with complaints about local councils and other bodies
Advice Line
Tel: 0300 061 0614
www.lgo.org.uk

The Legal Ombudsman
Tel: 0300 555 0333
www.legalombudsman.org.uk

Office of Fair Trading (OFT)
An independent organisation which protects your rights as a consumer
Tel: 0845 722 4499
www.oft.gov.uk

Office of Communications (OFCOM)
An independent organisation which regulates phone, television and radio companies
Tel: 0845 456 3000 or 0300 123 3333
www.ofcom.org.uk

Office of Water services (Ofwat)
An independent organisation which regulates water companies
Tel: 0121 625 1300
www.ofwat.gov.uk

Ombudsman Services: Communications
For complaints about phone and broadband companies who are members of the ‘Ombudsman Services: Communications’ scheme
Tel: 0330 440 1614 or 01925 430049
www.ombudsman-services.org/communications.html

Ombudsman Services: Energy
If you have a dispute with a fuel supplier
Tel: 0330 440 1624 or 01925 530263
www.ombudsman-services.org/energy.html

The Consumer Council for Water
For complaints about water companies
Tel: 0845 039 2837or 0121 345 1000
www.ccwater.org.uk

Parliamentary Ombudsman
Investigates complaints about UK Government departments or the NHS in England. Ask your MP
Tel: 0345 015 4033
www.ombudsman.org.uk

The Information Commission
For advice about data protection and freedom of information
Tel: 0303 123 1113
www.ico.gov.uk

Tenant Services Authority
Regulates social housing and will help you to find a housing association near you
Tel: 0845 230 7000
www.tenantservicesauthority.org

Back to top Phone us for advice 0808 808 4000

Trade Associations

British Bankers Association
Trade association for banking industry
General enquiries 020 7216 8800
Contact via website
www.bba.org.uk

British Cheque & Credit Association
Tel: 01244 505 904
www.bcca.co.uk

Building Societies Association
Trade association for building societies
Tel: 020 7520 5900
www.bsa.org.uk

Civil Enforcement Association
Trade Association for bailiffs and enforcement agents
Tel: 0844 893 3922
www.civea.co.uk

Consumer Credit Association UK
Represents the home credit industry
Tel: 01244 312 044
www.ccauk.org

Consumer Credit Trade Association
Represents consumer credit businesses
Tel: 0845 257 1166
www.ccta.co.uk

Council of Mortgage Lenders
Trade association for mortgage lenders
Tel: 0845 373 6771
www.cml.org.uk

Credit Services Association
Debt Buyers and Sellers Group
Trade association for collection agencies and debt-sale companies
Tel: 0191 286 5656
www.csa-uk.com

Energy Retail Association
www.energy-retail.org.uk

Finance & Leasing Association
Trade association for consumer credit and motor finance
Tel: 020 7836 6511
www.fla.org.uk

Lending Standards Board
www.lendingstandardsboard.org.uk

The UK Cards Association
www.theukcardsassociation.org.uk

Water UK
www.water.org.uk

Back to top Phone us for advice 0808 808 4000

Credit Reference Agencies

Equifax
For a copy of your credit file
www.equifax.co.uk

Experian
For a copy of your credit file
www.experian.co.uk

Callcredit
For a copy of your credit file
Tel: 0870 060 1414
www.callcreditcheck.co.uk

Credit Information and Fraud Avoidance Service (CIFAS)
Fraud prevention information
www.cifas.org.uk

 

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