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.
StepChange Debt Charity
You can call them on their Freephone number 0800 138 1111 (which is free of charge for mobiles
Citizens Advice Bureau
If you would rather speak to someone face to face, you can contact your local Citizens Advice Bureau. 03444 111 444
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