Where to get help
If you need help or advice with managing money problems, these organisations can help:
PayPlan
PayPlan is one of the UK’s leading providers of free debt advice. They offer confidential support to help individuals manage and reduce their debts.
They offer:
- free advice on a wide range of debt solutions, including Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), and Trust Deeds (Scotland)
- support for self-employed individuals
- tools like BudgetSmart to help manage household expenses
- online, phone, and live chat support
Contact details
- Website: www.payplan.com
- Phone: 0800 316 1833 (Mon–Fri 8am–8pm, Sat 9am–3pm)
National Debtline
National Debtline is a free, independent debt advice charity offering confidential support across England, Wales, and Scotland.
They offer:
- expert advice via phone, webchat, and their online tool “My Money Steps”
- help with budgeting, dealing with creditors, and understanding legal processes
- resources on topics like bailiffs, insolvency, and court action
- tailored support for individuals and families
Contact details:
- Website: www.nationaldebtline.org
- Phone: 0808 808 4000 (Mon–Fri 9am–8pm, Sat 9:30am–1pm)
Business Debtline
Business Debtline is a specialist service for self-employed individuals and small businesses facing financial difficulties.
They offer:
- free, impartial advice on managing business debts
- help with budgeting and creating tailored financial plans
- support via phone, webchat, and online resources
- guidance on dealing with tax, business rates, and creditor action
Contact details:
- Website: www.businessdebtline.org
- Phone: 0800 197 6026 (Mon–Fri 9am–8pm)
MoneyHelper (formerly Money Advice Service)
MoneyHelper is a government-backed service offering free, impartial guidance on money matters, including debt, pensions, and budgeting.
They offer:
- help with managing debt, reducing spending, and improving financial wellbeing
- guidance on pensions, insurance, fraud, and scams
- accessible support via phone, webchat, WhatsApp, and online forms
Contact details:
- Website: www.moneyhelper.org.uk
- Phone: 0800 015 4402 (Mon–Fri 9am–5pm)
StepChange Debt Charity
StepChange is the UK’s largest debt advice charity, helping hundreds of thousands of people each year with free, expert support.
They offer:
- free, confidential advice tailored to your financial situation
- online tools like Debt Remedy for instant guidance
- support with DMPs, IVAs, bankruptcy, and more
- help available via phone and online
Contact details:
- Website: www.stepchange.org
- Phone: 0800 138 1111 (Free from all UK networks)