Managing Debt

We understand that due to the rising cost of living, people might need financial support, and could even find themselves falling into debt.

Dealing with money issues can be difficult and hard to face, but it’s important to get the right help at the right time.

If you need guidance on your mortgage payments, visit our mortgage repayments page >

We’ve compiled a list of trusted organisations that can help you if you are in debt, or feel like you need financial support.

Not sure where to start? Step Change have a few simple questions to fill in so they can understand the best way to help you. They can then provide free, confidential and expert debt advice and money guidance best suited to your situation. They also have a helpline 0800 138 1111 (Monday to Friday 8am - 8pm and Saturday 8am - 4pm).

Other organisations that can help you

• Independent Age have an informative guide on managing debt.
  
  
• MoneyHelper (formerly known as Money Advice Service) have several helpful articles on ways to control your debt payments.

• Citizens Advice Debt and Money department (England) provide a wealth of information and advice about cost of living, debt advice, food banks and other organisations that can help.
  Citizens Advice Debt and Money department (Wales)
  Citizens Advice Debt and Money department (Scotland)

• National Debt Line – have lots of advice on their website available for people in England, Wales and Scotland. They also give free and independent debt advice over the phone and online via a webchat function. Call 0808 808 4000 (Monday to Friday 9am - 8pm and Saturday 9:30am - 1pm).
  
  
• StepChange is a debt charity that helps hundreds of thousands of people a year. Get free, flexible advice based on a comprehensive assessment of your situation. Call 0800 138 1111 (Monday to Friday 8am - 8pm and Saturday 9am - 2pm).

• Debt Advice Foundation offer free, confidential debt advice. They have debt calculators and other useful information on their website. Or call 0800 043 40 50 (Monday to Friday 8 - 6pm).
  

• Turn2Usprovide advice on what benefits, grants and debt advice services are available to you.

• Financial Wellness Group provides free advice and solutions for people struggling with money, debt and budgeting. Call 0161 518 8285 (Monday to Thursday 9am – 8pm, Friday 9:00am – 4:30pm).

Webpage last updated: July 2023.