Provide debt advice and a free debt management service to people with debt problems. For debt advice throughout the UK, phone 0800 138 1111 or visit www.stepchange.org.

Provide a free debt management service to people with debt problems, phone 0800 085 4298 or visit www.payplan.com.

Christians Against Poverty is a national debt counselling charity with a network of 218 centres based in local churches. CAP offers hope and a solution to anyone in debt through its unique, in-depth service. Phone 01274 760720 or visit www.capuk.org.

If you live in England, Wales or Scotland, phone 0808 808 4000 or visit www.nationaldebtline.co.uk for debt advice and information.

UK Network of advice & information agencies, phone 020 7407 4070 or visit
www.adviceuk.org.uk.

For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book), or go to www.adviceguide.org.uk (England and Wales), www.cas.org.uk (Scotland) or www.citizensadvice.co.uk (Northern Ireland).

If you live in Northern Ireland, phone 0800 917 4607 or visit www.advice4debtNI.com.

If you live in Scotland, phone 0141 572 0237 or visit www.moneyadvicescotland.org.uk to find contact details for debt advice in your local council area.

For a list of independent advice agencies, and information about credit and hire agreements, phone 08454 04 05 06 or visit www.consumerdirect.gov.uk.

Confidential emotional support, 24 hours a day, phone 0847 90 90 90 or visit www.samaritans.org.

National, out of hours, mental health helpline providing support and information, phone 0845 767 8000 or visit www.sane.org.uk.

Visit www.csa-uk.com to find information about debt collection, how to get free debt advice and the standards the CSA expect members to work to. Alternatively click here to download the PDF.

CSA Contact details: Credit Services Association, 2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA. Tel: (UK) 0191 286 5656.

Visit www.oft.gov.uk to find out more information about debt collection or click here to download the PDF.

If you feel your debt is difficult to manage and is out of control, it is best you speak to someone so that they can give you advice on how to handle this situation.

Our advisors are trained to handle vulnerable and sensitive cases and we will look to give you as much help and support as needed.

If you do not want to discuss this with us, you can contact the following organisations who can give you expert help and advice:

Samaritans – Confidential emotional support, 24 hours a day, phone 0847 90 90 90 or visit www.samaritans.org.

SANELINE – National, out of hours, mental health helpline providing support and information, phone 0845 767 8000 or visit www.sane.org.uk.