If you are experiencing severe financial difficulty, we recommend you contact the Consumer Credit Counselling Service, a registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent impartial and realistic advice. Alternatively you could contact Payplan (a not-for-profit organisation) who will also be able to offer debt management advice. Neither of these organisations should be confused with others who charge fees for their services.

Contact CCCS on 0800 138 1111
http://www.cccs.co.uk

Contact Pay Plan on 08000 854298
http://www.payplan.com