Money worries can feel overwhelming, but there are organisations that offer free, confidential support and practical tools to help you take control.
Options you can consider:
1. Talk to your lender Let them know what’s going on — many lenders can offer temporary payment options or a more affordable plan while you get back on track. You could say something like:“I’m struggling with repayments at the moment — what options do you have that might help?”
2. Contact a free, trusted charity
These charities offer impartial support, guidance, and online tools:
• StepChange
• National Debtline
• Money Helper
• Citizens Advice
They can help you create a budget, prioritise bills, and explain both formal and informal ways to manage debt.
You’re never obligated to take any particular route — they’ll simply help you understand your options.
If your situation feels urgent (for example, rent, mortgage, energy, or council tax arrears), mention this so they can focus on the most time-sensitive issues first. Ask about protections available in your region — for example, ‘Breathing Space’ in England and Wales — which can pause interest, fees, or enforcement while you get organised.
Good to know
• These organisations are free and impartial. If anyone asks for payment for “credit repair” or promises quick fixes, be cautious. You can always check a firm’s legitimacy on the FCA Register.
• Speaking to a free debt charity won’t affect your credit score.
• Missed payments can stay on your credit report for up to six years, but the impact usually reduces over time — steady, affordable payments help show improvement.
If you’re ready to take the next step
• Choose one of the charities above and start with a short call or webchat.
• Let your lenders know you’re seeking help and ask if they can pause action while you explore your options.
• Set up a small, manageable payment for priority bills while you get the rest organised.