Debt advice

Our free advice can help you manage your debts and get the support you need.

We can give advice over the phone, video call or in person at a time that suits you. In an advice session we’ll ask about you, your budget, and understand if there is anything else that makes it more difficult to manage your finances. Based on what you tell us we’ll recommend ways to deal with your debts.

We can help you budget more effectively, as well as manage rent, utility and council tax arrears. Confidential advice is delivered by accredited members of the Institute of Money Advisers (England) or Approved Money Advisers (Scotland). 

Some debts like credit cards, loans and car finance is known as Consumer Credit. Our advice on Consumer Credit & Mortgage debt is authorised and regulated by the Financial Conduct Authority.  We do not charge for the services we provide including our regulated activity. 

For regulated activity you have the right to complain to the Financial Ombudsman free of charge, if you are not satisfied with our response or if we fail to respond to you within eight weeks. You can find out more about the Financial Ombudsman Service. 

We are committed to ensuring that people accessing our services receive easy to understand information, that services are flexible to individual needs, offer fair value, and that everyone has access to the support they need, when they need it. 

You can find more information about Our Approach to Services and our Terms and Conditions of Service.