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If you are experiencing financial difficulties, you can contact one of the companies listed below for free confidential and impartial debt advice.

Citizens Advice Bureau: 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

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

StepChange Debt Charity: For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org

Christians Against Poverty (CAP): For debt advice throughout the UK phone 0800 328 0006 or visit www.capuk.org