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Free Independent Debt Advice

Free Independent Debt Advice

You can contact our team to ask any questions you have regarding the action we have been instructed to take; or to discuss a repayment plan. To speak to a member of our team call  0330 900 8000.

Where can I get more general debt advice?

For free independent advice, you can use one of the following resources:

Citizens Advice Bureau

Citizens Advice Bureau provides free, independent, confidential and impartial advice to you on your rights and responsibilities.


Step Change Debt Charity

Step Change (formerly the Consumer Credit Counselling Service) is a charity that provides FREE  debt advice.

Call them on: 0800 138 1111


Money Advice Service

The Money Advice Service, which was set up by government, helps you manage your money by offering free, independent and impartial advice service.

Call the Money Advice Service on: 0300 500 5000


Advice UK

The Money Advice Service, which was set up by government, helps you manage your money by offering free, independent and impartial advice service.

Call the Advice UK on: 0300 777 0107


National Debtline

The National Debtline helps you deal with your debt in four simple steps.

Call the National Debtline on: 0808 808 400


Debt Action NI

Debt Action NI focusing on helping the financially vulnerable in Northern Ireland by offering free, confidential and impartial debt and money advice services across NI.

Call the Debt Action NI on: 028 9064 5919


Christians Against Poverty

Christians Against Poverty help people in debt and poverty.

Call the Christians Against Poverty on: 01274 760720


Consumer Affairs

Consumer Affairs is a not-for-profit organisation that provides free and unbiased information on debt management, credit cards, mortgages, loans, and other products, allowing you to make smarter financial decisions.

Contact Consumer Affairs on: 020 3734 9464


There are other free sources of advice available and we do not favour any advisory service in particular. There are also several paid debt management companies (DMC’s) that you can go to for advice, but please note that the fees you pay to a DMC may reduce the amount you can set aside to actually repay your debt.

Provided that the terms of our instructions permit, we will always work with your appointed representative; be this a free advisor, a DMC or a friend/family member. However, we will need your prior written authority to do so.