More help and support

 

Get free, independent help with your finances from these organisations.

External organisations we work with

You can get free money advice and help with your situation from a number of independent organisations. Here we've listed a few, along with their contact details and services they offer.

 

>Concerned about your energy bills?

 

Who?

 

Incomemax logo

 

What services do they offer?

 

IncomeMax has been helping people find additional income and support services since 2009.

 

We’ve been working with IncomeMax since 2015 and have now teamed up to provide a financial support self-help checklist for our customers, packed full of links to extra tools, resources and information. It includes help with frequently asked questions about popular topics such as Universal Credit or COVID support, areas to find additional income, energy advice as well as useful organisations for almost every scenario.

 

>Use the self-help checklist tool.

 

How to get in touch?

  • As well as the online self-help tool available here, you can find out more about IncomeMax on their website. If you’ve been talking to us directly, we may also refer you to IncomeMax for more specialist support.

 

Who?

 

Step Change logo

 

What services do they offer?

 

StepChange are a free advice service, offering remote debt advice online, over the phone or via their live chat service. StepChange also have a website offering information and resources for those in financial difficulty.

 

StepChange are also a Breathing Space provider - read more about Breathing Space here.





How to get in touch

 

 

Who?

 

Money Helper logo

 

What services do they offer?

 

The Money Helper website offers a wide range of information and guides on managing your money, from budgeting to pensions.

 

Their website also helps you find a free debt adviser, based on where you live and whether you want phone, online or face to face help. You can find this here.





How to get in touch

 

 

Who?

 

Debtline logo

 

What services do they offer?

 

National Debtline provides free advice and resources to help you deal with your debts. You can access National Debtline by phone, webchat, or get advice through the website. There is also a digital debt advice tool, available 24/7 which you can access here.

 

Business Debtline offers more specialised assistance for those who are self-employed.





How to get in touch

 

 

Who?

 

Pay plan logo

 

What services do they offer?

 

PayPlan offer free, simple debt advice to anyone who needs it. They offer support either online or over the phone and can provide a personalised action plan to get you back in control of your finances. This includes money saving advice and checking what benefits you might be eligible for.

 

How to get in touch

 

Help with energy bills

Along with the overall increase in the cost of living, energy bills for household gas and electric are also rising. If you’re concerned about your energy bills and the price gap, please take a look at the information and resources on the Ofgem website:

You can also take a look at our tips on reducing your energy costs.

Breathing Space

 

Are you working with a debt advice provider who is authorised by the Financial Conduct Authority (FCA)? If so you could benefit from the Debt Respite Scheme more commonly called 'Breathing Space'. This scheme allows for a period of protection for people with problem debts and can last up to 60 days or more in specific situations. We will work with your debt advice provider and pause most enforcement action and contact. We will also freeze most interest and charges on your account.

 

This scheme can only be started by a FCA authorised debt advice provider or local authority (where they provide debt advice to residents). Please ask your advice service about Breathing Space and for more information please check out StepChange.