Debt Advice

If you are experiencing financial difficulties, there are free debt advice options available to you.

Independent organisations provide expert advice on debt, including payday loans, student debt advice, unemployment or low income debt problems, debt help after bereavement and general debt stress.

If you contact any of the below organisations and find they are able to assist you, please let us know as this will allow us to provide you some time to work out a plan best suited to your individual circumstances.

StepChange logo

StepChange Debt Charity

A charity offering free, confidential debt advice and support to anyone worried about debt. Please phone 0800 138 1111 or visit



PayPlan offers comprehensive advice, guidance and support for anyone struggling with debt. Phone 0808 278 1282 or visit

National Debtline

National Debtline

Free, confidential and independent debt advice by telephone for people in the UK. Please phone 0808 808 4000 or visit

Cap Logo

Christians Against Poverty (CAP)

A national debt counselling charity with centres throughout the UK. Please phone 01274 760720 or visit

Citizens Advice

Citizens Advice Bureau

Offers free face to face debt advice. Get free information and advice about legal, money and other problems by visiting

Advice UK


Member centres offer debt advice, some providing specialist advice for minority ethnic and refugee communities and people with disabilities. For further information please phone 0300 777 0107 or visit

Money Advice Scotland

Money Advice Scotland

If you live in Scotland, phone 0141 572 0237 or visit to find contact details for debt advice in your local council area.

Vulnerable Customer?

For further assistance our Customer Care Team can be contacted on 01737 235210 or emailed on