If you are concerned about your financial position, you may be able to benefit from advice given by an independent organisation.

If you are struggling with your finances, free, independent advice is available from the following organisations:

​​​​​​​StepChange Debt Charity (stepchange.org): the UK's leading debt charity, offering free debt advice and debt management plans.

Citizens Advice (citizensadvice.org.uk): free, confidential advice on debt, benefits and financial difficulty.

MoneyHelper (moneyhelper.org.uk): the government-backed financial guidance service for people in England, Scotland and Wales.