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 government department (HMRC, Department for Work and Pensions etc.) later decide to use debt collection agencies or other private sector businesses to recover your debt, they should send you a notification letter to let you know they are doing this. 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. We have listed some of these free services below.

Advice NI (Northern Ireland)

tel: 0800 917 4607

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.


tel: 0300 777 0107

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

Business Debt Line

tel: 0800 197 6026

Business Debt Line provides free debt advice service for the self-employed and small businesses in England, Wales and Scotland.

Citizens Advice Bureau

tel: 0344 411 1444

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)

tel: 0345 345 4345

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

Money Advice Service

tel: 0800 138 7777

Money Advice Service provides free and independent advice for those in debt.

National Debtline

tel: 0808 808 4000

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


tel: 0808 280 2816

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.


tel: 0800 138 1111

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

Would you like to know more?

If you are interested in finding out more about our services please fill out our contact form with details of what you're interested in and we'll get back to you as soon as possible.