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Help with money

Useful links to organisations offering help and advice with money issues. From pensions to investments, debt management to benefits.

General support

Money and Pensions Service

Consumer facing-service, providing free and impartial money and pensions guidance
for people across the UK.

Government services, tax, benefits, pensions and other legal matters.

Citizens Advice

Helpline: 03444 111 444

Advice and information on a range of issues including money, debt and benefits. Their website includes factsheets and template letters plus a search to find local advice.

Managing debt

National Debtline

Helpline: 0808 808 4000

Advice and information, including factsheets and template letters, to help you deal with debts.


Helpline: 0800 138 1111

Tailored advice and practical solutions to problem debt including free debt management plans.


Helpline: 0800 280 2816

Free Debt Management Services and access to other legal remedies such as Debt Relief Orders or Individual Voluntary Arrangements.

Debt and budgeting

We can help with debt, budgeting and managing your money.

Managing money better

Money Helper

Information and tips about everyday money tasks like buying insurance, budgeting and running a car.

Money Saving Expert

Information and advice to help you cut costs.


Helpline: 0808 802 2000

National charity helping people in financial hardship access welfare benefits, charitable grants and support services.

Savings and investments

Money Helper

Information on saving or investing, what to consider and how to get started.

Credit Unions

Credit Unions are owned by and run for members with profits going into improving services or paid as dividends to members. Credit Unions can be a good way to save and may be a cheaper way to borrow smaller amounts. Loans are available to members only.

Financial Services Compensation Scheme (FSCS)

Helpline: 0800 678 1100

Protects consumers when authorised financial services fail.

Financial Ombudsman Service (FOS)

Helpline: 0800 023 4567

Deals with complaints about financial products or services.

Financial Conduct Authority (FCA)

Helpline: 0800 111 6768

Protects against scams.

FCA Scamsmart

Helpline: 0800 111 6768

Check the warning list before committing to an investment or pension opportunity.


Civil Service Pension Scheme

Telephone: 0300 123 6666

Information about your Civil Service pension.

Pension Wise

Helpline: 0800 138 3944

Help if you are over 50, have a personal or workplace pension and want to make sense of your options.

Pensions Advisory Service

Helpline: 0800 011 3797

Free and impartial advice to people with personal or workplace pensions.

Pension Tracing Service

Helpline: 0800 731 0193

Free and impartial service to help you find lost pensions and advice on what to do with them.

UK Care Guide

Useful guide which defines potential pension scams, how they work and to gives tips on how to avoid them.

We can help

Speak to one of our Money Advisers. We’ll talk through your options. Where appropriate we’ll consider financial support alongside our advice and guidance.


Money Advice Scotland

Helpline: 0800 731 4722

Free, confidential money advice. Use their online tool to find an approved money adviser.

Scottish League of Credit Unions

Online directory of Credit Unions in Scotland.

Accountant in Bankruptcy (AiB)

Helpline: 0300 200 2600

AIB is Scotland’s Insolvency Service. Their website has a comprehensive guide to insolvency options in Scotland, including eligibility and how to apply.

Home Owners' Support Fund

Initiative from the Scottish Government to provide help to homeowners who are finding it difficult to pay their mortgages.

Shelter Scotland

Helpline: 0808 800 4444

In depth guidance for people facing eviction in Scotland.

Northern Ireland

NI Direct

Government services and information on tax, benefits and other legal matters.

Consumer Council – Northern Ireland

Information and advice on consumer rights and how to make a complaint plus useful tips on how to save money and get the best deals.

Advice NI

Advice and information on a range of issues, including money, debt and benefits.
There’s also an online search to access local advice services.

Irish League of Credit Unions

The League is owned by and run for members with profits going into improving services or paid as dividends to members. Credit Unions can be a good way to save and may be a cheaper way to borrow smaller amounts. Loans are available to members only. Local search facility.

Ulster Federation of Credit Unions

A federation of 38 credit unions. Their benevolent scheme pays a lump sum on death of a member. Credit unions can be a good way to save and may be a cheaper way to borrow smaller amounts. Loans are available to members only.

Housing Rights – Northern Ireland

Free independent housing advice to tenants and homeowners in Northern Ireland.

Insolvency Service

Information on DROs and bankruptcy, how to apply and the implications.

Money toolkit

Information and practical support to help you with money issues including JaneBot and our benefits calculator.

Anna’s story
I cannot express to you what that money meant to me at that time. It meant I could put food on the table for my kids. It’s as simple as that. To have a charity like this, just for us civil servants… it’s incredible. To everyone who donates, know that you’ve helped me get my kids through the toughest time of their lives. And mine. Thank you.
Anna's story

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