Staying debt free is the best option, but unfortunately many of us are forced to borrow and then hit hard times and struggle to pay back what we owe. Never feel overwhelmed and realize that there are thousands of others, if not millions, who have had the same experience. Here you can find help, and please use our Advice Guides to get an idea how to tackle your problems. The ABC are not financial advisers and we do not hold a Consumer Credit Licence. You should always seek expert help, avoid borrowing more to solve your problems and NEVER borrow from Loan Sharks (unlicensed lenders) operating outside the law.

If approached by unlicensed lenders contact Trading Standards Illegal Money Lending Team on:

Telephone: 0300 555 2222


or by text to: loan(space)shark(space) + your message to 60003 is is one of the largest insolvency knowledge hubs in the UK. We are owned by Jameson Smith & Co, which is one of the UK’s leading company turnaround and rescue practices. We provide services for large, medium and small businesses and are a leading knowledge source for accountants, the media and other professional advisers.

To learn more about what we do just visit our website. 



+44 (0) 8000 746 757

If you give us a call we can advise you on which course of action suits your particular circumstances. We have years of experience with HMRC, banks, creditors, suppliers, shareholders, lenders etc and we know their likely impact on your business. In many cases, you may not be the best person to judge your business's viability as you are too close to it. 

Called to be disciples of Jesus Christ, The Salvation Army United Kingdom Territory with the Republic of Ireland exists to save souls, grow saints and serve suffering.If you are in desperate financial need, they can work alongside you to help you stay out of debt. 

By raising awareness of the issues surrounding debt in the UK, and building on the vital work that we've done over the last 20 years, we'll help to overcome the massive problems that debt presents in the 21st century. 

Citizens Advice provides free, confidential and independent advice to help people overcome their problems. We are a voice for our clients and consumers on the issues that matter to them. 

Debt Advice Foundation is a registered national debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt. Because we're a debt charity, you can be sure that the advice we provide is impartial and based solely on what is best for you. 

Charis provides expertly tailored financial relief programmes, facilitating corporate provision through a variety of solutions to individuals and families in financial hardship. 

Charis’ schemes support those who are struggling to pay their bills or have other essential needs. We help individuals by using our skilled assessment processes to ensure those most in need receive the most appropriate help and services.

With 32 libraries in local communities across Glasgow as well as the iconic Mitchell Library, Glasgow Libraries are proud to provide a free library service to everyone living, working or studying in Glasgow. Library-based money advice services support the city's most vulnerable people in 11 sites across the city. Glasgow City Council’s Financial Inclusion Strategy is delivered by Citizens Advice Bureau and local partners and is designed to offer money advice in a familiar, comfortable setting.

We are more than a price comparison site. We allow users to shop across 14 stores (Tesco, Morrisons, ASDA, Sainsbury’s, Aldi, Waitrose, Ocado, Poundland, Iceland, Boots, Superdrug, Poundstretcher, M&S and Amazon) to optimise their grocery shop. We get our pricing directly from the retailers’ websites, with the exclusion of Aldi, which we collect manually at least once a week. Prices are updated on our site at least once a day, which means that we have all the latest prices and promotions reflected on our site. We are completely independent from the retailers on our site.



Birkett Long provides directors and shareholders with proactive advice on the nature and effects of insolvency before it happens, to give you the opportunity to appreciate your options and consider alternative strategies.

The earlier you spot the threat of insolvency and take advice, the better the position you will be in to minimise the risk to the company, and to directors and shareholders personally.

We are a registered charity and aim to improve the quality of life for those living and working in the central London neighbourhood of Fitzrovia. We do this by running a number of community projects to provide public benefit. We are not a law centre. We only do general advice about welfare, housing and debt.

From here we provide a free housing, welfare and debt advice service, support older people, deliver creative arts, culture, recreation, health and social activities, and community development and social integration for the Bangladeshi community.

We publish Fitzrovia News a free neighbourhood newspaper, promote citizenship and democracy, and encourage volunteering. We have an archive of community newspapers and organise the Fitzrovia Festival.

With a small donation and big faith, John Kirkby started Christians Against Poverty in 1996. He believed God was calling him to sacrifice his career in finance and use his knowledge of the industry to help the poor. In his hometown of Bradford, John set off on the incredible journey of CAP. His faith adventure led him to people crippled by debt; parents who couldn't feed their children, families facing eviction and desperate people living in fear and without hope. 

Christians Agaist Poverty 03

+44(0)1274 760720

National Debtline is a free, confidential, debt advice service for people in England, Wales and Scotland, run by the charity the Money Advice Trust. Nine out of ten people who get help from National Debtline say they feel more confident in tackling their debts and managing their money as a result.We’ve helped millions of people deal with their debts.

Colchester Credit Union Ltd, formed in 2002, is a Savings and Loans Co-operative open to anyone over the age of 18 years who lives, works or studies in the Borough of Colchester or District of Tendring. This is known as our Common Bond. There is a Young Savers Club for young people under 18 years. Details can be obtained on request.

Credit Unions offer a safe and easily accessible home for your savings and the opportunity to obtain a loan on ethical terms at reasonable rates.

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