Take Control
Further advice
If you are struggling to take control, it is important to seek free independent advice as soon as possible. There are many organisations that are there to help you and they have already helped many people in a similar situation.

Don't be afraid about any hidden costs. All the organisations listed below will provide you with free, independent and confidential advice on how to deal with debt - including payment offer plans to your creditors.

The sooner you contact them, the sooner they will be able to help you.

Consumer Credit Counselling Service (CCCS)

The CCCS is a registered charity offering free, confidential advice and support to anyone who is worried about debt. Phone 0800 138 1111

www.cccs.co.uk
Payplan

Payplan helps hundreds of people with debt every day. Contact them for debt management plans, IVAs and free debt advice. Phone 0800 085 4298

www.payplan.com
National Debt Line

This helpline provides free confidential and independent advice on how to deal with debt problems. Phone 0808 808 4000

www.nationaldebtline.co.uk
Credit Action

For free money advice and self-help guides visit the Credit Action website.

www.creditaction.org.uk
Money Advice Map

For an easy-to-use search facility that allows you to find your nearest free and independent, face-to-face, money and legal advice centre - just by entering your postcode.

www.moneyadvicemap.org
Citizens Advice

If you want to speak to someone face-to-face, contact your local Citizens Advice Bureau for free practical information with a trained counsellor on a range of topics including; housing, benefits, debt and legal issues.

www.citizensadvice.org.uk (England & Wales)

www.cas.org.uk (Scotland)

www.citizensadvice.co.uk (Northern Ireland)
Mortgage Help from the Government

This government website provides information for people struggling with their mortgage. There are simple steps to follow depending on your situation.

http://mortgagehelp.direct.gov.uk/