Managing Debt

Useful contacts

The following teams and orgnisations offer useful advice in relation to debt management, and we recommend that you take the opportunity to take their free advice. They will be able to help with any questions and suggest a suitable course of action.

Citizens Advice Bureau

The Citizens Advice service can help you sort out money, legal or other problems by providing free advice and information. You'll find your nearest Citizens Advice office listed in the phone book.
Or visit

Pay Plan

Pay Plan provides a free debt management service.
Telephone 0800 917 7823
Or visit

Consumer Credit Counselling Service

This is a registered charity that provides free, independent and realistic debt management advice.
Telephone 0800 138 1111
Or visit

National Debt Line

This is a free helpline for people with debt problems.
Telephone 0808 808 4000
Or visit

Advice UK

Not an actual debt management charity (DMC), but is the largest UK network of advice organisations. Please note that they do not give advice themselves. They have contact details listed for most DMCs and other organisations that can help customers with their debt problems.
Telephone 0207 469 5700
Or visit

Christians Against Poverty (CAP)

CAP is a national debt counselling charity with a network of 102 centres based in local churches which provides free advice and assistance. A representative will go through your debt problems, make out a budget and set up a CAP bank account to pay off bills.
Telephone 01274 760 720
Or visit