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.
Gov.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.
StepChange
Helpline: 0800 138 1111
Tailored advice and practical solutions to problem debt including free debt management plans.
PayPlan
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.
Turn2us
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.
Pensions
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.
Scotland
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.
From the moment I contacted the Charity for Civil Servants, I felt like they understood. I was amazed by their generosity and felt supported every step of the way.
Related pages
Caring and finances
Information about managing debt, benefits, Power of Attorney and financial support if you’re a carer for someone.
Wellbeing and health
Whatever you are coping with, we can listen and find ways to help.
Problem gambling
Sources of help and support if gambling or addictions are becoming harmful.
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