Free and independent advice

If you’re in debt, you need to take action quickly to stop the situation getting worse.

We are always keen to help customers, and look forward to working with you. However, we understand that in some circumstances you may not feel comfortable speaking about your financial situation directly with our agencies or us.

If you would also like independent assistance, the following organisations are providers of free, impartial advice:

National Debtline
Tricorn House
51-53 Hagley Road
Birmingham B16 8TP
Telephone: 0808 808 4000

Kempton House, Kempton Way
Dysart Road
Lincolnshire NG31 7LE
Telephone: 0800 280 2816

StepChange Debt Charity
Wade House
Merrion Centre
Telephone: 0800 138 1111

Alternatively, you can contact your local Citizens Advice Bureau by visiting

In addition, you can visit the links to two helpful Financial Conduct Authority (FCA) leaflets – both include a list of not-for-profit organisations offering free, confidential, impartial debt advice:
• Information sheet on arrears
• Information sheet on default

Other resources for customers include: