Independent Advice

Where to find impartial and free help with your debts.


If you are having difficulty managing your debts, there are a number of national organisations that can provide impartial, free support and advice.

If you contact any of the organisations below, please let us know you are working with them, so we can provide you with some time to discuss your circumstances with your adviser and work out the best plan.

Money Adviser Network

The Money Adviser Network is a free service, backed by the Money Advice Service, which brings together a panel of debt advice agencies offering independent and impartial money and debt advice over the phone or online.

If you would like to speak to The Money Adviser Network please use the link below to provide your contact details in confidence so you can be connected with a qualified and regulated money adviser.

Other Free Debt Advice


PayPlan offer comprehensive guidance on a wide range of practical, long term debt solutions as well as practical budgeting assistance.

0800 280 2816

Christians Against Poverty (CAP)

A national charity working across the UK to lift people of all denominations out of debt and poverty.

01274 760 720

StepChange Debt Charity

StepChange Debt Remedy provides you with the expert advice, budget support and solutions to help you manage your debts.

0800 138 111

Citizens Advice

Provides practical, reliable and confidential information on a wide range of issues, including benefits, housing, employment and legal issues.

0844 411 1444

Money Advice Trust

Provides solutions and a structured approach to managing severe personal debt problems.

0808 808 4000

Advice UK

The UK’s largest support network of free, independent advice centres. Tel: 0300 777 0107

0300 777 0107

National Debtline

National Debtline is a charity that provides free and independent advice over the phone and online.

0808 808 4000

Other Support


Available 24 hours a day to provide confidential emotional support for people who are experiencing feelings of distress or despair. Tel: 08457 90 90 90

116 123

Age UK

Provide information and advice for the elderly.

0800 169 6565


Mind is a national organisation with branches in most towns and cities providing support to anyone experiencing mental health problems. The Mind information line is open 9am to 6pm Monday to Friday, please call 0300 123 3393 or email

0300 123 3393

Cruse Bereavement Care

Cruse Bereavement Care are a not-for-profit organisation designed to provide people who have recently lost a loved one with information and support on grief and their legal duties following a death.

0844 477 9400


Refuge supports women and children who experience all forms of violence and abuse, with a 24 hour helpline.

0808 2000 247