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Financial Counselling

Financial counselling is available in varying forms. Registered charities such as the Consumer Credit Counselling Service and the National Debt Helpline provide independent, free debt counselling. However, there are many companies that claim to offer free advice but actually charge clients for their service. Discretion and caution is therefore advised when looking for debt support and advice.

Financial worry - Debt is becoming a major problem in the UK, with more and more people running into financial difficulty. Problems often arise due to a drop in earnings, redundancy or a change in family circumstances, which leaves people struggling to pay off their debts. Failure to read the small print, or bullying from persistent sales people can also lead to trouble.

Overspending on credit cards is one of the most common forms of debt. The temptation to pay with plastic, particularly during periods like Christmas can leave people with repayments that put serious strain on their bank accounts. And despite the fact that many credit card companies offer good deals on interest rates, many consumers actually pay close to 20%.

Although there are many companies that claim to offer free debt counselling, this isn't always the case.Individuals having money management problems are probably better off seeking guidance from charity-based services such as the ones detailed below. They offer independent advice about debt problems and explore all options and alternatives open to the individual.

Find financial counselling in your area

Free debt counselling help-lines

Consumer Credit Counselling Service - 0800 138 1111
Their helpline is open from 8am to 8pm, Monday to Friday and offers free debt counselling and budgeting advice for people experiencing financial difficulties. Phone lines are operated by trained advisors.

National Debt Line - 0808 808 4000
This national telephone helpline service provides free debt counselling help. Lines are manned by trained advisors who provide advice based on individual circumstances. The service is available 9am to 9pm weekdays and 9.30am to 1pm on Saturdays.

Debt counselling help

Consumer Credit Counselling Service
This charity offers independent debt counselling help and advice. Their advisory service has been used by many in the UK to alleviate money worries and is based on a proven formula. They provide a free 0800 phone number (see above) as well as a CCCS debt remedy service that enables individuals to get advice online

Credit Action
Another registered charity here, set up to help people manage their money more effectively. The site contains plenty of information and money saving tips as well as tools to accurately assess an individual's financial situation.

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