You can also get help from:
- your local Citizen's Advice Bureau (CAB)
- Payplan: 0800 716 239 or visit www.payplan.com
- Consumer Credit Counselling Service: 0800 138 111 or visit www.cccs.co.uk
National Debtline can provide advice about how best to deal with your debts and the site also has fact sheets; sample letters and income and expenditure forms that you can use if you don't want to speak to anyone about your problems. This site will give you a step by step guide to dealing with your debts.
If you feel you would like to try and deal with your debts yourself, you can contact the National Debtline on 0808 808 4000 or go to their website at www.nationaldebtline.co.uk/scotland/.
In some cases, you may be able to apply for charitiable help, if you are on a low income and need help to purchase an essential item e.g. to fill an oil tank for heating. Charities such as SSAFA (a charity for those who have been in the Forces), other occupational charities or those associated with health problems may help you to pay for something that is essential if you or a support worker makes an application to them.