Links to Independent Advice
If you are having difficulties keeping up with your monthly payments, it is important that you contact us as soon as possible. We are here to help you where we can.
We also strongly suggest that you seek independent financial advice to help you manage your mortgage. The following organisations provide jargon free information designed to help you.
The Money Advice Service
Telephone Number: 0300 500 5000
A website providing impartial information and tools to help you manage your money.
If you are having problems paying your mortgage, click here to download a Money Advice Service leaflet.
The Money Charity – previously Credit Action
Telephone Number: 020 7062 8933
A website that offers a range of resources, tools and training to help manage your money.
Free, confidential debt advice websites
Citizens Advice Bureau
Telephone Number: contact your local branch
The Citizens Advice service helps people resolve their legal, money and other problems by providing free independent and confidential advice. There are over 400 Citizens Advice Bureau offices across England and Wales and more than 20 in Northern Ireland. Look on the Citizens Advice website for details of your local bureau.
StepChange Debt Charity – previously CCCS)
Telephone Number: 0800 138 1111
The purpose of StepChange Debt Charity is to assist people who are in financial difficulty by providing credit counselling and free, independent, impartial advice.
Telephone Number: 0808 808 4000
A helpline that provides free confidential and independent advice on how to deal with debt problems.
The following sites may also be useful
Telephone Number: 0808 800 4444
Shelter can give confidential help to people with all kinds of housing problems.
A government website providing a wide range of information which includes public service information on money, tax, looking for a job, benefits and government mortgage rescue schemes.
Financial Conduct Authority
Telephone Number: 0800 111 6768
An independent body that regulates the financial services industry in the UK.
Financial Ombudsman Service
0800 0 234 567 - Free for people telephoning from a “fixed line” (for example, a landline at home)
0300 123 9 123 - Free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02
The official independent expert set up by parliament to settle individual complaints between consumers and businesses providing financial services.
Office of Fair Trading
The OFT’s job is to make markets work well for consumers. It promotes and protects consumer interests throughout the UK, while ensuring businesses are fair and competitive.
Click here to download an arrears information leaflet from the OFT.