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If you are finding your current situation a struggle or you feel you need to speak to someone about your finances, you can contact any of the following independent organisations.

They can all offer you free, impartial advice on your finances and may even be able to help you with a debt management plan. Just let us know that you are dealing with one of these organisations and we will support you by giving you time and space to get the help you need.

StepChange Debt Charity (formally CCCS) - you can call them on their Freephone number 0800 138 1111 (which is free of charge for mobiles)

Citizens advice bureau - If you would rather speak to someone face to face, you can contact your local Citizens Advice Bureau. 03444 111 444

National Debtline is a debt advice charity run by the Money Advice Trust. They are a free and confidential debt advice service for people in England, Wales and Scotland. They have helped millions of people deal with their debts. 0808 808 4000

Below are some other organisations that you may find useful

Mind provide advice and support to empower anyone experiencing a mental health problem. They campaign to improve services, raise awareness and promote understanding. 0300 123 3393

Shelter gives practical housing advice and support online, in person and by phone. Their expert advisers give free, confidential advice 365 days a year. Calls are free from UK landlines and all major UK mobiles. 0808 800 444

Samaritans know a lot about what can help you through tough times. They can help you explore your options, understand your problems better, or just be there to listen. 116 123

Credit reference agency contact details

Experian
Landmark House
Experian Way
NG2 Business Park
Nottingham
NG80 1ZZ

0844 481 8000

Equifax
Equifax Credit File
Advice Centre
P.O. Box 1140
Bradford
BD1 5US

TransUnion
One Park Lane,
Leeds,
West Yorkshire,
LS3 1EP

0113 388 4300