Useful resources

If you’re struggling financially, it is important to seek help as soon as possible. This page contains some information that may be of help, whatever your situation.


There are several debt-management companies online and on the high street which offer help and advice for those with financial difficulty. We work closely with Stepchange and we strongly recommended you get in touch if you’re looking for guidance. StepChange is the UK’s leading debt-support charity and helps hundreds of thousands of people every year deal with their debt. With over 25 years’ experience in debt support, they are well-placed to help you find the best debt solution for your unique circumstances. Following an initial assessment of your budget, income and debts, StepChange will work with you to set up a solution that allows you to repay your debts to your creditors affordably. Importantly, StepChange is a charity, rather than a for-profit company, so you will not have to pay a fee to use the service and any support offered to you, will be given with your best interests in mind.

Visit the Step Change website

Citizens Advice

Citizens Advice, like StepChange, has helped countless households to get on top of their debts. Citizens Advice is a leading national charity that offers free, independent, impartial advice to people who are struggling with financial, legal, or consumer problems. You can chat with a debt advisor on their website, call their advice line, or drop in during selected hours at your local office. Citizens Advice will work with you to assess your finances and then negotiate with your creditors, on your behalf, to set up an affordable debt management plan. All support is free of charge, independent, and impartial – as with StepChange, Citizens Advice is a not-for-profit organisation.

Find out more

Financial Conduct Authority

The Financial Conduct Authority regulate financial services providers to ensure they are operating in an honest, fair and effective way. By making sure the market works well, they are also ensuring customers are treated fairly. As the regulatory body for the UK’s consumer credit sector, although not acting directly as a consumer champion in the same way as StepChange or Citizens Advice, one of the FCA’s key statutory objectives is to protect consumers from unfair, misleading, and unscrupulous practices.

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Financial Ombudsman Service

If you have made a complaint to any financial services company and have been unable to resolve the dispute, or are dissatisfied with the outcome, you can contact the Financial Ombudsman Service (FOS) to investigate. The FOS is an impartial dispute resolution service for customers who are not satisfied with the response to a complaint they have received from a company that provides financial services. Upon referring a complaint to FOS, they will investigate your dispute carefully and make a decision in either your favour or in that of the firm you are complaining against.

If you would like more information about the Financial Ombudsman and their service you can visit their website.