Independent help and advice
There are lots of independent organisations you can reach out to and get help and support.
Money advice
Getting independent help can help you manage your money and even boost your income.
If you need debt advice before applying for one of our schemes, the following non-profit organisations can help.
National Debtline
If you’re struggling to make ends meet, use the National Debtline’s cost of living hub to learn about help that might be available to you.
StepChange
If you’re vulnerable due to age, mental health or capacity you are able to get extra help via a free advocacy service.
Citizens Advice
Specialist caseworkers at Citizens Advice are trained to deal with any type of debt, including repossessions and negotiation with creditors.
Scope
Scope gives free and impartial advice with managing your energy and water needs.
deafPLUS
The deafPLUS helpline is delivered via live chat using either Skype or Facetime to deliver advice on benefits, housing, employment, and debt.
Money Wellness
Will help you sort out your financial problems however big or small. From budgeting help to money-saving tips and solutions that could make your borrowing more manageable.
Offering help and support to help you take control of your financial situation, and achieve your financial goals.
Friends Against Scams
Friends Against Scams is a National Trading Standards Scams Team initiative, which aims to protect and prevent people from becoming victims of scams by empowering people to take a stand against scams.
Stop Loan Sharks
Stop Loan Sharks investigates and prosecutes illegal money lenders and provides support for borrowers in the UK. If you have borrowed from a loan shark or are worried about someone else, they're there to help and keep your safe.
National Debtline
If you’re struggling to make ends meet, use the National Debtline’s cost of living hub to learn about help that might be available to you.
StepChange
If you’re vulnerable due to age, mental health or capacity you are able to get extra help via a free advocacy service.
Citizens Advice
Specialist caseworkers at Citizens Advice are trained to deal with any type of debt, including repossessions and negotiation with creditors.
Scope
Scope gives free and impartial advice with managing your energy and water needs.
deafPLUS
The deafPLUS helpline is delivered via live chat using either Skype or Facetime to deliver advice on benefits, housing, employment, and debt.
Money Wellness
Will help you sort out your financial problems however big or small. From budgeting help to money-saving tips and solutions that could make your borrowing more manageable.
Offering help and support to help you take control of your financial situation, and achieve your financial goals.
Friends Against Scams
Friends Against Scams is a National Trading Standards Scams Team initiative, which aims to protect and prevent people from becoming victims of scams by empowering people to take a stand against scams.
Stop Loan Sharks
Stop Loan Sharks investigates and prosecutes illegal money lenders and provides support for borrowers in the UK. If you have borrowed from a loan shark or are worried about someone else, they're there to help and keep your safe.
National Debtline
If you’re struggling to make ends meet, use the National Debtline’s cost of living hub to learn about help that might be available to you.
StepChange
If you’re vulnerable due to age, mental health or capacity you are able to get extra help via a free advocacy service.
Citizens Advice
Specialist caseworkers at Citizens Advice are trained to deal with any type of debt, including repossessions and negotiation with creditors.
Scope
Scope gives free and impartial advice with managing your energy and water needs.
deafPLUS
The deafPLUS helpline is delivered via live chat using either Skype or Facetime to deliver advice on benefits, housing, employment, and debt.
Money Wellness
Will help you sort out your financial problems however big or small. From budgeting help to money-saving tips and solutions that could make your borrowing more manageable.
Offering help and support to help you take control of your financial situation, and achieve your financial goals.
Friends Against Scams
Friends Against Scams is a National Trading Standards Scams Team initiative, which aims to protect and prevent people from becoming victims of scams by empowering people to take a stand against scams.
Stop Loan Sharks
Stop Loan Sharks investigates and prosecutes illegal money lenders and provides support for borrowers in the UK. If you have borrowed from a loan shark or are worried about someone else, they're there to help and keep your safe.
Extra support
We all need a shoulder to lean on from time to time.
The following organisations can offer free, independent, and confidential advice when you need extra support.
Cruse Bereavement Support
Grief can be overwhelming, that's why Cruse Bereavement Support is here to help.
Scope
The disability equality charity in England and Wales. They provide practical information and emotional support when it's most needed, and campaign relentlessly to create a fairer society.
Kidney Care UK
The UK's leading kidney patient support charity. They offer practical, emotional and financial help, and make sure no one faces kidney disease alone.
Royal Association for Deaf people
The Royal Association for Deaf people is a British charitable organisation whose mission is to promote the welfare and interests of Deaf people. It is a Deaf-led organisation.
They provide services to deaf people in the first or preferred language, usually British Sign Language (BSL).
Alzheimer's Society
Alzheimer's Society are working towards a world where dementia no longer devastates lives. They do this by giving help to those living with dementia today, and providing hope for the future.
Royal National Institute of Blind People (RNIB)
RNIB, the Royal National Institute of Blind People, is the UK's leading sight loss charity. They offer practical and emotional support to blind and partially sighted people, their families and carers.
They raise awareness of the experiences of blind and partially sighted people and campaign for change to make our society more accessible for all.
RNID
RNID support people who are deaf, have hearing loss or tinnitus.
With their communities they aim change society to make it more inclusive for everyone, help people hear better now and fund world-class research.
Samaritans
Samaritans is not only for the moment of crisis, they're taking action to prevent the crisis. They offer listening and support to people and communities in times of need.
Macmillan Cancer Support
Providing vital cancer services, research and campaigns for better cancer care.
Disability Rights UK
The UK's leading organisation led by, run by, and working for disabled people. They work with Disabled People's Organisations, public bodies, businesses and Government bodies across the UK to influence regional and national change for better rights, accessibility, benefits, quality of live and economic opportunities for Disabled people.
Cruse Bereavement Support
Grief can be overwhelming, that's why Cruse Bereavement Support is here to help.
Scope
The disability equality charity in England and Wales. They provide practical information and emotional support when it's most needed, and campaign relentlessly to create a fairer society.
Kidney Care UK
The UK's leading kidney patient support charity. They offer practical, emotional and financial help, and make sure no one faces kidney disease alone.
Royal Association for Deaf people
The Royal Association for Deaf people is a British charitable organisation whose mission is to promote the welfare and interests of Deaf people. It is a Deaf-led organisation.
They provide services to deaf people in the first or preferred language, usually British Sign Language (BSL).
Alzheimer's Society
Alzheimer's Society are working towards a world where dementia no longer devastates lives. They do this by giving help to those living with dementia today, and providing hope for the future.
Royal National Institute of Blind People (RNIB)
RNIB, the Royal National Institute of Blind People, is the UK's leading sight loss charity. They offer practical and emotional support to blind and partially sighted people, their families and carers.
They raise awareness of the experiences of blind and partially sighted people and campaign for change to make our society more accessible for all.
RNID
RNID support people who are deaf, have hearing loss or tinnitus.
With their communities they aim change society to make it more inclusive for everyone, help people hear better now and fund world-class research.
Samaritans
Samaritans is not only for the moment of crisis, they're taking action to prevent the crisis. They offer listening and support to people and communities in times of need.
Macmillan Cancer Support
Providing vital cancer services, research and campaigns for better cancer care.
Disability Rights UK
The UK's leading organisation led by, run by, and working for disabled people. They work with Disabled People's Organisations, public bodies, businesses and Government bodies across the UK to influence regional and national change for better rights, accessibility, benefits, quality of live and economic opportunities for Disabled people.
Refuge
Refuge is the largest specialist domestic abuse organisation in the UK. Their services support thousands of survivors, helping them to overcome the physical, emotional, financial and logistical impacts of abuse and rebuild their lives.
Cruse Bereavement Support
Grief can be overwhelming, that's why Cruse Bereavement Support is here to help.
Scope
The disability equality charity in England and Wales. They provide practical information and emotional support when it's most needed, and campaign relentlessly to create a fairer society.
Kidney Care UK
The UK's leading kidney patient support charity. They offer practical, emotional and financial help, and make sure no one faces kidney disease alone.
Royal Association for Deaf people
The Royal Association for Deaf people is a British charitable organisation whose mission is to promote the welfare and interests of Deaf people. It is a Deaf-led organisation.
They provide services to deaf people in the first or preferred language, usually British Sign Language (BSL).
Alzheimer's Society
Alzheimer's Society are working towards a world where dementia no longer devastates lives. They do this by giving help to those living with dementia today, and providing hope for the future.
Royal National Institute of Blind People (RNIB)
RNIB, the Royal National Institute of Blind People, is the UK's leading sight loss charity. They offer practical and emotional support to blind and partially sighted people, their families and carers.
They raise awareness of the experiences of blind and partially sighted people and campaign for change to make our society more accessible for all.
RNID
RNID support people who are deaf, have hearing loss or tinnitus.
With their communities they aim change society to make it more inclusive for everyone, help people hear better now and fund world-class research.
Samaritans
Samaritans is not only for the moment of crisis, they're taking action to prevent the crisis. They offer listening and support to people and communities in times of need.
Macmillan Cancer Support
Providing vital cancer services, research and campaigns for better cancer care.
Disability Rights UK
The UK's leading organisation led by, run by, and working for disabled people. They work with Disabled People's Organisations, public bodies, businesses and Government bodies across the UK to influence regional and national change for better rights, accessibility, benefits, quality of live and economic opportunities for Disabled people.
Need help paying?
If you’re struggling to pay, we can help. We have a range of plans to reduce your bills or help manage your payments.
Priority Services
If you have additional needs or a disability, we can help with meter reading, different bill formats,
priority repairs, emergency bottled water and more.