There are a number of free advice services to help you manage your debts. The following list gives contact details of some of them.
Citizens Advice
The largest provider of free, impartial and holistic debt and money advice in the UK. For your nearest bureau, see your local phone book or visit the website:
National Debtline
A free telephone-based information and advice for people in England, Wales and Scotland. Call 0808 808 4000 or visit the website:
Consumer Credit Counselling Service
A charity funded by the financial services industry and specialising in debt management plans. Call 0800 138 1111 or visit the website:
Advice UK
The new name for the Federation of Information and Advice Centres. It is a large network of advice-providing organisations on 020 7407 4070 or at the website:
For agencies in Northern Ireland, contact the Association of Independent Advice Centres on 028 9064 5919 or visit the website:
Credit reference agencies
The following agencies hold information about people's credit histories. When you apply for a loan or credit card, this information is taken into account before any deal can be approved. You can always check your credit history to make sure the information is correct, by contacting these agencies.
Experian Ltd
Consumer Help Service
P.O. Box 8000
Nottingham
NG1 5GX
08702 416 212
Equifax Credit Information
Credit File Advice
PO Box 1140
Bradford
B21 50S
08705 143 700
Ireland:
Irish Credit Bureau
ICB House
Newstead
Clonskeagh
Dublin 14
00 353 1 260 0388 (From UK)
01 260 0388 (From Ireland)
BBC Cashwise
The BBC has been running an ongoing campaign called Cashwise, which aims to help people make the most of their money. If you would like a free Cashwise booklet to be sent to you in the post, please call 0800 022 022.