Dealing with money issues can be a stressful time. You are not alone in feeling this way. It is reported that over eight million people in the UK have experienced financial difficulties. We know that this can be tough to deal with and can leave you feeling overwhelmed. There are organisations that could help and support you.

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Step Change Debt Charity

Who is StepChange Debt Charity?

StepChange Debt Charity is the UK’s leading debt advice charity, helping over 650,000 every year to take back control of their finances, and their lives.

The support they offer is free, impartial and confidential and every client receives expert, personalised advice to help them deal with their debts. The service provided is available online or over the phone.

How does their debt advice work?

  1. They’ll ask for information about your finances to get a full picture of your situation. This will help to create a realistic monthly budget, to see what you can afford to pay towards your debts
  2. You’ll receive tailored debt advice, a personal action plan and a recommendation of the best debt solution to help you take control of your finances
  3. You’ll have all the information you need to make an informed decision 

How do I contact StepChange Debt Charity?

Visit their website for online advice at, or call them on 0113 138 1111 Mon-Fri 8am-8pm, Sat 8am-4pm.


National Debtline

National Debtline provides free advice and resources to help you deal with your debts. You can access their services over the phone, through their website or webchat. Understand your options and take control of your debts today.
Visit or phone 0800 808 4000.

The National Debtline contact centre is open Monday - Friday from 9am until 8pm, and Saturday 9.30am - 1pm.


Citizens Advice 

Citizens Advice through their network of independent charities, offers confidential advice online, over the phone, and in person, for free.

To find your local Citizens Advice please go their website at

To find other services locally that can assist with Debt Advice please enter your postcode in the advice local section located on the page


We often link to other websites, but we can't be responsible for their content.

Community Projects

We have launched a range of projects for our customers that offer employment support, digital training and wellbeing.

Useful links

Advice Local

Find help with benefits, work, money, housing problems and more.

Help and Support

If you're still unsure, get help and advice from Cotman's Money Advice Team


Tel: 01772 666446.