Received a letter from us? Relax, we’re here to help you…
We know how stressful managing debt can be, especially when dealing with life’s other challenges and unexpected events. If you would like us to, we want to try and help you.
Challenges we may be able to help you find the right path through include those relating to money, debt, budgeting, benefits and energy efficiency as well as those relating to health, relationships and general wellbeing.
One of our friendly and knowledgeable Pathfinders would like to take time to understand your individual circumstances. Their aim is to give you knowledge, support and encouragement in order that you can feel empowered to take more control of your situation.
We’re not a debt collection agency and will never ask for payment...
We’re not trying to collect your arrears and can’t take your payments. What we can do is help you plan to improve your financial situation and your ability to manage all your repayments. This will also help demonstrate to any businesses you owe money to that you are taking reasonable steps to address your debts and may prevent overdue bills being sent to a debt collection agency. In return for working with us, the business that asked us to contact you will temporarily hold your account from being referred to a debt collection agency.
We’ll support you to come up with a plan...
One of our team of Pathfinders will take the time to listen, talk through and understand your individual circumstances. Only then will they take time to clearly explain some options and their benefits so that you can decide which course of action is best for you. They will support you to come up with your own plan: some simple steps that might make a big difference to some of the challenges you face.
Plus, we’re completely free to you...
The company that asked us to contact you has agreed to pay all our costs in providing this service to you so that our service is completely free to you. They provide this extra support as they understand life is not straightforward and are committed to helping their customers when they are struggling with their bills.
Our service is only open to individuals that have received a letter from us. If we’ve not written to you then support may still be available from the many Charities out there.
Where we provide you with information about other charities and companies that may be able to help you further then we do not receive any income or fees from these companies. Any information we give you is unbiased and based simply on what is relevant given your circumstances.
Other questions you might have may be answered here
Support and Advice
We guide people to a range of independent charities and third sector organisations offering everything from debt advice to crisis support and improved wellbeing.
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About this organisation
StepChange provides expert debt advice and recommends debt solutions to suit individual situations also helping set up and support customers chosen solutions.
Who this organisation can help
This organisation can support people who are experiencing difficulties repaying their debts.
What this organisation can do for you
No matter how large or small your debt problem is, they can help. They will look at your financial situation and give you expert debt advice and recommend debt solutions to suit your situation. Step Change can also help you set up and support your chosen solution.
Get in touch
You can contact these amazing people by
- Phone: 0800 138 1111
- Website: www.stepchange.org/start.aspx
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About this organisation
Mind provide advice and support to empower anyone experiencing a mental health problem. They campaign to improve services, raise awareness and promote understanding.
Who this organisation can help
Mind can help you if you're living with a mental health problem or supporting someone who is.
What this organisation can do for you
Having access to the right information is vital when it is related to mental health. Mind can help you if you recently been diagnosed and require more information; if you want to help someone with mental health; or want to know if your legal rights have been affected. They provide guides and services to support plus tips for everyday living.
Get in touch
You can contact these amazing people by
- Phone: 0300 123 3393
- Email: info@mind.org.uk
- Post: Mind Infoline, PO Box 75225, London, E15 9FS
- Website: https://www.mind.org.uk/
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About this organisation
Cruse offer support, advice and information to children, young people and adults when someone dies. They also work to enhance society’s care of bereaved people.
Who this organisation can help
This organisation can support people who are experiencing emotional difficulty after the loss of a loved one.
What this organisation can do for you
If you contact this organisation, they can provide support, compassion and advice when dealing with loss.
Get in touch
You can contact these amazing people by
- Phone: 0808 808 1677
- Email: helpline@cruse.org.uk
- CruseChat: https://www.cruse.org.uk/get-help/crusechat
- Website: http://www.cruse.org.uk/
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About this organisation
BeGambleAware.org is administered and funded by an independent charity, Gamble Aware, whose mission is to keep people safe from gambling harms. They provide information to help people make informed decisions about their gambling.
Who this organisation can help
This organisation can support people who are seeking support and advice on how to quit gambling.
What this organisation can do for you
By contacting this organisation, you could access free, confidential help and support if you are worried about your – or someone else's – gambling. Support is provided by the National Gambling Treatment Service.
Get in touch
You can contact these amazing people by
- Phone: 0808 8020 133
- Live chat service, GamCare: https://www.gamcare.org.uk/get-support/talk-to-us-now/
- Website: https://www.begambleaware.org/
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About this organisation
Citizen's Advice understand that humanity all face problems that seem complicated or intimidating. At Citizens Advice they believe no-one should have to face these problems without good quality, independent advice. That’s why they are proud to give people the knowledge and the confidence they need to find their way forward - whoever they are, and whatever their problem.
Who this organisation can help
As the name suggests, the CAB are here to help any UK citizen.
What this organisation can do for you
They have a network of independent charities offers confidential advice online, over the phone, and in person, for free. If you contact this organisation, they might be able to help with the following: Benefits, work, debt and money, consumer, family, housing, law and courts, immigration and health.
Get in touch
You can contact these amazing people by
- Phone: 0800 144 8848
- Relay UK (for people with hearing impairments): 18001 then 0800 144 8884
- Website: http://www.citizensadvice.org.uk/
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About this organisation
Turn2us provide information and support about welfare benefits and charitable grants through and accessible website and a freephone helpline.
Who this organisation can help
Turn2us can support people who are on low income or in a financial need, anyone living in poverty in UK.
What this organisation can do for you
Turn2us can provide you with information on welfare benefits available to you and help you find or access charitable grants.
Get in touch
You can contact these amazing people by
- Phone: 0800 802 2000
- Website: https://www.turn2us.org.uk/
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About this organisation
Drinkaware aims to change the UK’s drinking habits for the better. They are an independent charity working to reduce alcohol misuse and harm in the UK.
Who this organisation can help
This organisation can support people who are experiencing difficulty with their own relationship with alcohol, as well as family and friends concerned about, or supporting those, finding difficulty with their relationship with alcohol.
What this organisation can do for you
This organisation provide impartial, evidence- based information, advice and practical resources and help people make better choices about alcohol.
Get in touch
You can contact these amazing people by
- Phone: 0300 123 1110
- Email: contact@drinkaware.co.uk
- Online Chat: https://www.drinkaware.co.uk/advice/alcohol-support-services/chat-with-an-advisor
- Website: https://www.drinkaware.co.uk/
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About this organisation
Energy Saving Trust is an independent organisation – working to address the climate emergency and empowering millions of householders every year to make better energy choices.
Who this organisation can help
This organisation can support people who need advice on how to save cost on energy. People who are paying too much for their energy bills and have can contact this organisation and see whether they can save money on their bills.
What this organisation can do for you
The Trust can advise you on how you can improve the efficiency of your heating system which can help reduce your fuel bills and save money.
Get in touch
You can contact these amazing people by
- Phone: 0808 808 2244
- Email: customer.feedback@est.org.uk
- Website: http://www.energysavingtrust.org.uk/
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About this organisation
Samaritans is a registered charity aimed at providing emotional support to anyone in emotional distress, struggling to cope, or at risk of suicide. They encourage, promote and celebrate those moments of connection between people that can save lives. Every life lost to suicide is a tragedy, and Samaritans’ vision is that fewer people die by suicide.
Who this organisation can help
This organisation can support people who are experiencing emotional distress, struggling to cope, or at risk of suicide throughout the United Kingdom and Ireland, often through their telephone helpline. You can get in touch about anything that’s troubling you, no matter how large or small the issue feels.
What this organisation can do for you
If you contact this organisation, they will show you the ways to cope and try to give you the skills to be there for others.
Get in touch
You can contact these amazing people by
- Freephone: 116 123
- Email: jo@samaritans.org
- Post: Freepost SAMARITANS LETTERS
- Self Help app: https://selfhelp.samaritans.org/
- Website: https://samaritans.org/
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About this organisation
At Age UK, they provide services and support at a national and local level to inspire, enable and support older people. Age UK stand up and speak for all those who have reached later life and protect the long-term interests of future generations.
Who this organisation can help
Too many older people feel they have no one to turn to for support. Age UK provide information and advice to over 60s.
What this organisation can do for you
If you contact this organisation, they can advise you on benefits entitlement, health, care, general wellbeing and lots more.
Get in touch
You can contact these amazing people by
- Phone: 0800 055 6112
- Online Form: https://www.ageuk.org.uk/contact-us/information-and-advice/
- Website: https://www.ageuk.org.uk/
We’re here to help you... just call us on 0800 061 2172