Where to go for help and advice on debt

We don’t work directly with consumers – however, there are free services you can access if you are struggling with debt.

If you have a query about your debt

If you owe money to a government department, you will always be contacted by that Department in the first instance.

If the Department later decides to use debt collection agencies or other private sector businesses to recover your debt, they will send you a letter to let you know they are doing this (it’s called a notification letter). If you have received a letter or a call from a Department or a debt collection agency about the money you owe, you should contact them directly using the contact details they have provided.

If you are struggling to make ends meet

It is always best to be open and honest about your circumstances as there are a number of support services you can access if you’re struggling to make ends meet. We have listed some of these free services below.


T: 0300 777 0107

W: www.adviceuk.org.uk

AdviceUK is the UK’s largest support network for free, independent advice centres.

Advice NI (Northern Ireland)

T: 0800 917 4607

W: www.adviceni.net

Advice NI offer information, advice, advocacy and representation on tax and benefits; debt; housing; employability / help to work; consumer rights; and older people’s issues.

Citizens Advice Bureau

T: 03444 111 444

W: www.adviceguide.org.uk

The Citizens Advice service is a network of charities that provide free, confidential and impartial advice on a wide range of problems from over 3,500 locations across the UK, including debt and consumer issues.

Civil Legal Advice (CLA)

T: 0345 345 4 345

W: www.gov.uk/civil-legal-advice

Get legal advice in England and Wales if you’re eligible for legal aid.

Money Advice Scotland

T: 0141 572 0237

W: www.moneyadvicescotland.co.uk

Money Advice Scotland promotes the development of free, independent, impartial and confidential debt advice.

National Debtline

T: 0808 808 4000

W: www.nationaldebtline.co.uk

National Debtline is a free, independent and confidential debt advice service run by the charity Money Advice Trust.


T: 0808 280 2816

W: www.payplan.com

Payplan offers comprehensive advice, guidance and support for anyone struggling with debt. Its purpose is to help people find a way out of debt and enable them to take back control of their money.


T: 0800 139 1111

W: www.stepchange.org

StepChange is the UK's leading debt advice charity, and has been helping people break free from problem debt for 20 years.