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If you are finding your current situation a struggle or you feel you need to speak to someone about your finances, you can contact any of the following independent organisations.
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StepChange Debt Charity
You can call them on their Freephone number 0800 138 1111 (which is free of charge for mobiles
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Citizens Advice Bureau
If you would rather speak to someone face to face, you can contact your local Citizens Advice Bureau. 03444 111 444
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National Debtline
National Debtline is a debt advice charity run by the Money Advice Trust. They are a free and confidential debt advice service for people in England, Wales and Scotland. They have helped millions of people deal with their debts. 0808 808 4000