If you are concerned about managing your money or you have debts, try not to worry, but do not ignore your problem – it won’t go away. If you cannot pay your rent because of money problems you may be evicted from your home. You must ask for help. There are many organisations that can give you advice about debt and money problems. They are listed below.
British Bankers’ Association (BBA)
The BBA produce some useful leaflets on proving your identity and a range of banking services.
The Money Advice Service
For information and advice on how to handle your money.
StepChange (CCCS)
The StepChange (formerly CCCS) provides free and confidential debt advice over the phone from budgeting advice to practical Debt Management Plans.
A debt management plan is a formal debt solution requiring a third party to act on your behalf in negotiations with your creditors to create an affordable repayment plan for you. If you think a DMP may be of use to your debt problem, use the CCCS Debt Remedy online tool first, in order to get free and impartial debt advice tailored to your specific needs. As a debt help charity the Consumer Credit Counselling Service (CCCS) is perfectly placed to help you manage your debts be that through a DMP, another formal debt solution or simply to give advice on budgeting and possible options. All their services are free to use and you can access the Debt Remedy online tool 24/7.
Citizens Advice Bureau
Citizens Advice Bureau (CAB) offer advice on debt problems and a very wide range of other money and non-money topics.
National Debtline
This is a telephone-based service and is a national helpline for people with debt problems. They will discuss debt problems with you and explain the options available to you
Payplan
Payplan provide free debt advice and information for people struggling to manage their money. Their expertise covers a range of formal debt solutions available, such as IVAs and Debt Management Plans as well as general debt advice guides.
Bankruptcy-Insolvency
Telephone helpline and online resources for consumers seeking debt advice
Age Concern
Age Concern provides information on income and benefits for older people.
Credit Action
Credit Action provides information and guidance for people with debt or money worries.
Advice UK
Advice UK is a registered charity and is the UK's largest support network for free, independent advice centres
If you are struggling to live on the money you have or are experiencing problems with debt, you may want to think about whether you are getting all the benefits or tax credits that you are entitled to.
For more information and advice you can visit the central government money advice section on the internet at GOV.UK. This also has a wide range of public service information and links to other organisations which you may find useful if you are looking for help or advice.
Shelter - Get Organised with Money
Does it feel like all the postman brings is trouble and worry? If you have ever looked at your pile of papers and bills and thought you don’t know where to begin, you’ll find help here to get you started. Take one step – then follow it with another. You’ll be dealing with your money worries in no time at all.
