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Cost of Living Crisis Helplines

With a cost of living crisis looming, Alice Beer is here to offer some advice on what you can do.

Citizens Advice

Find your local Citizens Advice centre here. Alternatively, you can use the chat service to speak with a debt adviser online.

Tel: 0800 240 4420

Citizens Advice Scotland and Citizens Advice Northern Ireland also offer the same service

StepChange Debt Charity

It has an online debt advice tool you can use to get guidance. If you'd prefer to speak over the phone, it says the average call takes 40 minutes to complete. 

Tel: 0800 138 1111

Debt Action NI

Provides debt advice in each council area throughout Northern Ireland. It also has an online chat service which is available Monday to Friday from 10am to 4pm.

Tel: 0800 917 4607

Debt Advice Foundation

Offers debt advice over the phone. Alternatively, fill in its helpline call-back form and someone will call you back at a time that’s convenient for you.

Tel: 0800 043 4050 

Debt Support Trust

Advises people on potential debt solutions. It has a debt test you can take online to get advice. You can email or complete the enquiry form and someone will get back in touch. If you'd prefer to speak over the phone, the details are below.

Tel: 0800 085 0226


Helps people with debt advice and solutions. Fill in its three-step form online with your details and one of its advisers will call you back.

Tel: 0800 280 2816

Community Money Advice

Gives advice and practical support to people with debt problems. Check the website to find your local Community Money Advice service. 

Tel: 01743 341929

Business debtline

A debt advice service for small business owners and the self-employed. You can webchat with an adviser or speak to one over the phone.

Tel: 0800 197 6026

Other useful contacts

Financial Ombudsman Service is a service you can use to complain about a debt collection agency or lender, as well as other businesses in the financial sector. Check out its page on how to complain

Tel: 0800 023 4567

Jobcentre Plus is a government agency that helps people of working age find employment in the UK. Click here to find your nearest Jobcentre.

The Insolvency Service is a government agency offering guidance on bankruptcies and company insolvency. You can get in touch via email, using its contact form or by calling the number below. 

  • Tel: 0300 678 0015

Samaritans National Helpline is a charity aimed at helping people in emotional distress. You can call any time, day or night, or write them a letter or email if you'd prefer.

  • Tel: 116 123

Should I use a debt management company?

There is plenty of free and independent advice for people struggling with debt.

National Debtline offers mainly telephone-based free advice. It also runs a free online service called My Money Steps.

Face-to-face advice is provided by Citizens Advice and Citizens Advice Scotland.

Money Advice Scotland is an umbrella group representing debt advice agencies across Scotland.

StepChange offers free and confidential debt advice online and by phone.

If a debt management company fails to deal with your complaint against it, the Financial Ombudsman Service (FOS) may be able to help.

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Weekdays 10am-12:30pm