Help and support
Other agencies that can help you.
Having trouble making payments?
If you are having trouble paying back a loan or a credit contract you can discuss your options with a budget advisor. Contact details of your local budget advice service are in the White Pages or online, or you can call 0508 BUDGETLINE (0508 283438) to talk with a trained budget advisor.
Visit the Federation of Family Budgeting Services website.
If you think the creditor has treated you badly
You can talk to the creditor's disputes resolution service. These services are independent and they can help to to get a solution to the problem.
Find out how to contact a disputes resolution service
If you really can’t pay
If there is no way that you can pay back your debts then you can apply for a Summary Instalment Order, a No-Asset Procedure, or bankruptcy. Talk to the Insolvency & Trustee Service for more information about these options. Contact the Insolvency & Trustee Service on 0508 INSOLVENCY or 0508 467 658 or online.
Visit the Insolvency & Trustee Sevice's website.
Free legal advice
You can get help from a community law centre to understand your credit contract or to deal with a creditor that is acting illegally. Contact details of your local community law centre are in the White Pages or online.
Visit the Community Law Centre website.
For general consumer advice
Your local Citizens Advice Bureau can help you with general consumer advice and give you advice on how to solve a problem. Contact details of your local Citizens Advice Bureau are in the White Pages, online, or you can call 0800 FOR CAB (0800 367 222).
