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Helpful Contacts

Financial Help

Citizens Advice Bureau (CAB)
The Citizen’s Advice Bureau helps people resolve their legal, money, and other problems by providing free information and advice from over 3,200 locations, and by influencing policymakers.

Financial Services Authority (FSA): 0207 066 1000
Independent body that regulates the financial services industry in the UK. The FSA’s aim is to help promote efficient, orderly, and fair financial markets and help retail financial service consumers get a fair deal.

National Debt Line: 0800 808 4000
Provides free confidential independent advice on how to deal with debt problems.

Business Debt Line: 0800 197 6026
Free independent confidential advice for small businesses in the UK.

Money Advice Trust
Charity formed in 1991 to increase the quality and availability of free, independent money advice for people struggling with debt problems.

Money Scotland: 0845 612 6425
The Money Scotland website is the home of the Debt Arrangement Scheme (DAS) and provides general information and advice about debt for debtors, creditors, money advisers, employers, payments distributors, and anyone who is affected by debt.

Insolvency Act 1986: Info (PDF)
The Insolvency Act 1986 is the statutory piece of legislation that provides the legal platform for all matters relating to corporate and personal insolvency in the United Kingdom. Parts of the act have been updated by the Enterprise Act 2002, which came into enforcement in 2004. The Insolvency Act essentially governs any issue relating to personal bankruptcy and Individual Voluntary Arrangements and all orders relating to company insolvency.

Consumer Direct: 0845 404 0506
Their regionally based advisors are specially trained to give practical advice on all kinds of consumer issues - from problems with cars to faulty household appliances.

Money Claim Direct
Money Claim Online (MCOL) is Her Majesty's Courts Service Internet based service for claimants and defendants.

Financial Ombudsman Service: 0845 080 1800
The official independent expert in settling complaints between consumers and businesses providing financial services.

Financial Services Compensation Scheme: 020 7892 7300
The Financial Services Compensation Scheme (FSCS) is the UK's statutory fund of last resort for customers of authorised financial services firms. This means that FSCS can pay compensation if a firm is unable, or likely to be unable, to pay claims against it.



Credit Reference Agencies

Equifax: 0870 010 0583
Provides free credit reports, which help you, understand your credit file. It lets you know how lenders decide whether or not to lend to you. They also provide expert tips to get you the credit that you need.

Experian: 0870 241 6212
They help people and organisations make sense of complex data by providing analytical and information services that enable people to reach informed financial and commercial decisions.

Callcredit: 0870 060 1414
Callcredit Information Group Credit Solutions enables organisations to make decisions throughout the customer management lifecycle by combining a clear understanding of the latest technology, innovative products and sophisticated, real-time data models.


General Help

Adfam: 020 7553 7640          
Adfam is the leading national organisation working with and for families affected by drugs and alcohol.

Age Concern: 0800 00 99 66
Age Concern is the UK's largest charity working with and for older people

Age Concern Money Trail
MoneyTrail is an easy and free way to check if your plans are on track for the sort of retirement you’ve been looking forward to.

Childline: 0800 1111
Phone line for kids. If you are feeling unhappy or depressed, it can be hard to talk about how you feel. Try talking about your feelings to someone you can trust, or you can always talk to Childline.

Cruse Bereavement Care: 0844 477 9400
Cruse Bereavement Care exists to promote the well-being of bereaved people and to enable anyone bereaved by death to understand their grief and cope with their loss. Services are free to bereaved people.

Dial UK: 01302 310 123
DIAL information and advice services are based throughout the UK and provide information and advice to disabled people and others on all aspects of living with a disability.

Drinkline: 0800 917 8282
Drinkline offers the following services: information and self-help materials, help to callers worried about their own drinking, support to the family and friends of people who are drinking, and advice to callers on where to go for help.

Gamcare: 0845 600 0133
GamCare provides support, information and advice to anyone suffering through a gambling problem.

Gingerbread: 0800 018 5026
This is your one-stop online information shop. We'll be adding to it and updating it regularly, so please check back.

Help the Aged: 0808 800 6565
Help the Aged is an international charity fighting to free older people from poverty, isolation and neglect.

Housing Corporation: 0845 230 7000
The Housing Corporation is the government agency that funds new affordable homes and regulates housing associations in England.

Lone Parent Helpline: 0800 018 5026
Free, confidential information and publications on issues surrounding lone parents.

Mind: 0845 766 0163
Guidance and resources on mental health problems in the UK.

National Domestic Violence Helpline: 0808 2000 247
Helpline for victims of domestic violence.

Relate: 0845 1 30 40 16
Relate offers advice, relationship counseling, sex therapy, workshops, mediation, consultations and support face-to-face, by phone and through this website.

Rights of Women: 020 7251 6577
Rights of Women works to attain justice and equality by informing, educating and empowering women on their legal rights.

Samaritans: 0845 790 9090
Samaritans provides confidential non-judgmental emotional support, 24 hours a day for people who are experiencing feelings of distress or despair, including those, which could lead to suicide.

Saneline: 0845 767 8000
SANE has undertaken extensive research into self-harm and the results challenge many common misperceptions about who does it and why.

Shelter: 0808 800 4444
The housing and homelessness charity.

TaxAid: 0845 120 3779
TaxAid is a UK charity providing free tax advice to people who cannot afford to pay a professional adviser. The service is independent and confidential.


Ombudsmen & Regulatory Bodies

British & Irish Ombudsman Association: 020 8894 9272
This site lists the ombudsmen and other complaint-handling bodies who may be able to help you, if you have a complaint.

Local Government Ombudsman: 0845 602 1983
The Local Government Ombudsman looks at complaints about councils and some other authorities, including education admissions appeal panels. It is a free service. Their job is to investigate complaints in a fair and independent way – and they do not take sides.

The Law Society Consumer Complaints Service: 0845 608 6565
The Law Society represents solicitors in England and Wales. From negotiating with and lobbying the profession's regulators, government and others, to offering training and advice, we're here to help, protect and promote solicitors across England and Wales.

Office of Fair Trading (OFT): 0845 722 4499
The OFT is responsible for making markets work well for consumers. They achieve this by promoting and protecting consumer interests throughout the UK, while ensuring that businesses are fair and competitive.

Office of Telecommunications Ombudsman Service (OTELO): 0845 050 1614
We are an Ombudsman Service for public communication providers (PCP) and their customers.

Office of Water services (Ofwat): 0121 625 1300
The economic regulator for the water and sewerage industry in England and Wales.

The Consumer Council for Water: 0845 039 2837
The Consumer Council for Water was set up in 2005 to provide a strong voice for water and sewerage consumers in England and Wales.

Parliamentary Ombudsman: 0845 015 4033 
They carry out independent investigations into complaints about unfair or improper actions or poor service by UK government departments and their agencies, and the NHS in England.

The Equality and Human Rights Commission: 0845 604 6610
Championing equality and human rights for all.

The Information Commissioner's Office: 08456 30 60 60
The Information Commissioner's Office is the UK's independent authority set up to promote access to official information and to protect personal information.


Trade Associations

Association of Civil Enforcement Agencies: 01924 350 090
An independent association formed specifically to promote higher standards in the civil enforcement industry.

British Bankers Association: 020 7216 8800
The voice of the banking industry and all of the banks that operate within the United Kingdom.

Building Societies Association: 020 7437 0655
The Building Societies Association (BSA) is the trade association for all the UK's building societies.

Direct Selling Association: 020 7497 1234

Enforcement Services Association: 0117 907 4771
Formed in 1906 to provide a central organisation for certificated bailiffs and civil law enforcement agents and to promote ethical and professional conduct among members.

Mail Order Traders' Association: 0207 735 3410
The Mail Order Traders' Association of Great Britain was founded in 1948. Its major purpose is to operate a Code of Practice on behalf of the member companies and their customers.


To get the best information for your circumstances it is always recommended to speak with a qualified adviser. We could be helping you in a few short minutes in a friendly, no-obligation chat : Request a call back or call us on 0800 043 3329

Alternatively if you would prefer to receive information by e-mail, please feel free to contact us via this simple form.