Help when you need it the most

If you are a member of the public and need more information or advice, our Money Manager budgeting tool and Money Max Benefits Checker can help you to understand your finances better and make sure you are receiving everything you are entitled to; see information on the right of the screen.


We also have a list of some useful organisations that can offer you free help and assistance below.


If you are a business looking to deal with the issue of rising debt or meet your regulatory or corporate sociability targets please contact Charis


Money Advice Service – providing free, impartial money advice online, over the phone or face-to-face. Visit or call 0800 138 7777

Community Money Advice (CMA) – A national charity that helps community groups establish free face-to-face debt advice services. Visit to find your nearest community group.

Citizens Advice – helps people resolve their problems including information and advice on debt, money and consumer advice. Visit for details.

Government – Visit the government website if you are in need of advice on many different topics. They offer advice on dealing with money issues, debts, bankruptcy, court orders and many more.

National Debtline – provides free advice and resources to help people deal with their debts. Visit or call free on 0808 808 4000.

PayPlan – Offering free debt advice and free debt management plans. Visit or call 0800 280 2816 for more information.

Stepchange – provides a full debt help service via its website including a debt remedy tool. If you prefer, speak to an advisor on 0808 138 1111.

Shelter – help for those facing housing issues including homelessness. Some local offices also provide specialist advice on debt and welfare benefit issues. Visit for details.