Money Wellness
We have partnered Money Wellness who are a free money advice and support service to help people who are struggling financially. Their mission is to help people live more and stress less.
They can run benefits and grants checks on your behalf and will do everything they can to maximise your income. Money Wellness’ advisers will talk to you about your current situation, your main concerns and provide the support you need. At the end of your conversation Money Wellness will help you find a way forward, which may include a debt solution that suits your needs.
Money Wellness services include
- Free Debt Advice
- Help with Budgeting
- Money Booster Tool
- Free Debt Management Plan
- Individual Voluntary Arrangement (IVA)
- Debt Relief Order (DRO)
- Debt consolidation
- Bankruptcy
Start by talking to Money Wellness
Visit Money Wellness's website.
Answer a few simple questions about your situation. Money Wellness will suggest the best way forward, and you can leave your number to be called back by one of their advisers.
StepChange
StepChange is a debt charity supported by government. They offer completely free and flexible debt advice, based on your situation.
You'll need to answer a short questionnaire to assess your situation. Then you can decide to manage the process online or by phone.
StepChange will offer you a solution that suits your needs. Along with debt management plans, the charity can offer you advice on money, mortgages and more.
StepChange services include
- free debt advice
- debt management plan to reduce monthly repayments
- breathing space to work out how to deal with debt
- IVA to write off unaffordable debts
- bankruptcy advice
- specialist calculators
- utility bill help
- mental health support with debts
Get help from StepChange
This is the three-step process StepChange follow:
- Work out your budget, income and debts
- Find a solution to your debt that suits your situation
- Set up a debt solution, and offer support with no time limit
PayPlan
PayPlan offer free debt advice for anyone. Their team of advisers will listen to your concerns and offer options that suit your individual needs.
As well as debt management plans, you can get general advice on debt, money management and visit their financial wellbeing hub (opens in a new window) for advice on budgeting and maximising income.
PayPlan also has a vulnerable client team. They are dedicated to supporting those who are struggling with their mental, physical and emotional health, mental and physical disabilities, addiction and terminal illness.
PayPlan services include
- free debt advice
- debt management plan to reduce monthly repayments
- IVA to write off unaffordable debts
- trust deed to reduce monthly payments
- breathing space to work out how to deal with debt
- support if you’re self employed
Start by talking to PayPlan
Visit PayPlan’s website to complete the starter form and choose if you want help online or over the phone. You’ll hear from a specialist advisor shortly after to start your next step.
National Debtline
National Debtline is a registered charity offering free confidential advice.
- advisers give impartial, non-judgmental advice
- contact them as many times as you need to
- get advice for someone else if you're worried about them
Speak to an expert by phone or through live chat. You can also use their Digital Advice Tool (available 24 hours, 7 days a week).
Business Debtline
Business Debtline is a registered charity offering free confidential advice.
- advisers give impartial, non-judgmental advice
- contact them as many times as you need to
- get advice for someone else if you're worried about them
Speak to an expert by phone or through live chat.
General advice
Debt and money help with CAB
The Citizen's Advice Bureau (CAB) can offer you support or advice on different money management topics.
This includes:
- cost of living
- help with debt and solutions
- using food banks
- mortgage problems
- pensions