Debt advice and Counselling

Independent advice is important when you have debts with more than one company.  Nationwide has worked with Citizens Advice (widely known as the CAB) to develop the Money Management section of its online Adviceguide. This has advice and information to help you deal with a wide range of debts, an interactive budgeting tool, and sample letters to send to your creditors. 

There are many other organisations who offer advice but some charge.  The ones listed below all offer free advice:

National Debtline – a free, confidential and independent telephone helpline for debt problems.  www.nationaldebtline.co.uk or tel 0808 808 4000 (England, Wales, and Scotland)

Advice UK - a network of independent advice-providing organisations. Telephone 020 7469 5700, or visit www.adviceuk.org.uk.

Citizens Advice Bureau – a network of local offices offering free, confidential independent advice -  www.citizensadvice.org.uk (England, Wales and Northern Ireland), or www.cas.org.uk (Scotland)

Christians Against Poverty – free advice with local networks www.capuk.org or tel 01274 760720

Consumer Credit Counselling Service – free, confidential advice and support – www.cccs.co.uk or tel 0800 138 1111

Credit Action – www.creditaction.org.uk or tel 0207 380 3390

Payplan – funded by the credit industry but is impartial and deals with all creditors.  www.payplan.com or tel 0800 280 2816.