Debt advice agencies

The agencies listed below may be able to offer you advice and assistance in dealing with money and debts.


StepChange Debt Charity (formerly CCCS, the Consumer Credit Counselling Service)

Registered charity offering free, impartial, confidential advice and support to anyone who is worried about debt. Dealing with debt can be a stressful experience but it need not be a challenge you face alone. Step Change Debt Charity has been providing free debt help to people across the UK for over 15 years. The services they can offer include debt counselling, personal budgeting, advice on borrowing and advice on setting up realistic debt repayment plans. StepChange can also help with identifying your highest priority debts and living expenses and can help you negotiate with your creditors. Use their online tool, StepChange Debt Remedy, for an instant assessment of your situation with free advice tailored to your individual needs.

Opening Times: Monday-Friday 8.00am-8.00pm; Saturday 8.00am-4.00pm


Brighton & Hove Citizens Advice Bureau (CAB)

Brighton & Hove Citizens Advice Bureau logo Offers free, confidential, impartial, and independent advice on managing your finances, including opening bank accounts, problems with bank accounts, benefit overpayments, council rent arrears, budgeting and general debt problems.

  • Office based at Hove Town Hall, 1 Tisbury Road, Hove, BN3 4AH
  • Drop-in advice times (held at the CAB offices at Hove Town Hall):  Mon-Fri: 9.15am-11.15am. 
  • Tel: (01273) 223951
  • Phoneline open Monday, Wednesday & Thursday: 9.30am-12.00 noon & 1.00pm - 3.30pm. Tuesday & Friday: 9.30am - 12.00 noon.
  • Website: www.brightonhovecab.org.uk


National Debtline

National Debtline logo Free, confidential and independent telephone helpline service on debt issues. Offers specialist advice, self-help materials and individually tailored Debt Management Plans. Language Line, an interpreter service, is available offering professional telephone interpreters in over 100 languages to translate what you and the adviser are saying to each other.


My Money Steps

Struggling to pay credit cards, loans or household bills?  My Money Steps is a free and easy to use online debt advice service from National Debtline. It will give you a personalised action plan to manage your debts and help get rid of the stress that goes with them.


Money Advice Service

Money Advice Service logo The Money Advice Service provides clear, impartial information about UK financial services to help you manage your money better and make more informed financial service choices. The website contains a section devoted to getting free debt advice. The Money Advice Service was set up by the government, is funded by the UK financial services industry and is run by an independent chair and board, appointed by the UK Financial Conduct Authority.

  • Tel: (0300) 500 5000 - calls should cost no more than 01 or 02 UK-wide calls and are included in inclusive mobile and landline minutes. You can also ask to be called back.
  • Opening Times: Monday-Friday 8.00am-8.00pm. Saturday 9.00am-1.00pm
  • Website: www.moneyadviceservice.org.uk


St Luke's Advice Service

St Lukes Advice Service logo Provides help with completing welfare benefit forms, appeals, correspondence with creditors and can offer legal representation at tribunals. Specialises in debt solutions such as agreeing suitable repayments and negotiating with creditors. Also offers help with income and expenditure forms, and advice on Individual Voluntary Arrangement (IVA) or Bankruptcy.


Debt advice from Shelter

Shelter,  the housing charity offers advice on dealing with debts and advice on where to get expert help.


Debt Advice Foundation

Debt Advice Foundation logo Registered UK debt advice charity offering free, confidential support and advice to anyone worried about debt. Can offer you information on what options are available to you based on your own personal circumstances.

  • Tel: (0800)  043 40 50
  • Lines Open: Monday-Friday 8.00am - 8.00pm.  Saturday 9.00am - 5.00pm
  • If you're calling from a mobile phone,  you can ask to be called back.
  • Website: www.debtadvicefoundation.org


Debt Support Trust

Debt Support Trust logo

The Debt Support Trust is a national charity offering advice on dealing with debts, including the use of debt management plans, Individual Voluntary Arrangements (IVAs),  Bankruptcy, Protected Trust Deeds* and Sequestration* (*for people living in Scotland).


Money Advice and Community Support

Money Advice and Community Support logo Charity providing a welfare benefit and debt advice telephone line. The service is impartial and confidential and the advice is free.

  • Office address: 24 Old Steine, Brighton, BN1 1EL
  • Advice line: (01273) 664040
  • Line Open: Monday, Wednesday & Thursday 10.00am - 12.00 noon. Tuesday & Friday 2.00pm - 4.00pm. Outside of these hours you can call and leave a message to request a call-back.
  • Email: info@macss.org.uk 
  • Website: www.macss.org.uk


East Sussex Credit Union

East Sussex Credit Union logo East Sussex Credit Union is a not-for-profit savings and loans co-operative focusing on the needs of those on low incomes.  The credit union offers easy-to-access savings accounts and affordable, flexible loans. It is authorised and regulated by the The Financial Conduct Authority, with savings covered by the Financial Services Compensation Scheme.

If you are in debt and are looking for ways to raise some money or if you’ve been refused loans by the high street banks, East Sussex Credit Union can offer an alternative to the high-cost loans offered by predatory lenders or doorstep lenders, sometimes referred to as loan sharks.

  • Address: Community Base, 113 Queens Road, Brighton, BN1 3XG
  • Help Point at Community Base: Mon-Fri  10.00am - 3.00pm (call for details of help points outside of Brighton & Hove City Council's area.)
  • Tel: (01273) 234 858  open Mon-Fri  9.30am - 4.00pm
  • Email:  info@eastsussexcu.org.uk
  • Website:  www.eastsussexcu.org.uk


Knoll Advice Centre

Hangleton & Knoll Project logo

Advice on housing, debts and benefits for residents of Hangleton and Knoll estates and bordering areas.

  • Open Mondays 10.00am-1.00pm (except bank holidays)
  • Tel:  (01273) 410 838 or (01273) 410 858
  • Address:  St Richard's Church & Community Centre, Egmont Road, Hove, BN3 7FP
  • Websites:  www.hakdirect.org.uk  and  www.hkproject.org.uk


Turn2us

Turn2us logo

Turn2us is a charity that helps people with financial difficulties to access the money available to them in the form of welfare benefits, charitable grants and other financial assistance.

  • Helpline:  (0808) 802 2000 open 8.00am - 8.00pm Monday to Friday
  • Calls are free from landlines.
  • Advice is confidential and independent.
  • Website: www.turn2us.org.uk
     

Business Debtline

Business Debtline logo The Business Debtline provides a free telephone debt counselling service for the self-employed and small businesses facing financial hardship.

  • Tel: (0800) 197 6026
  • Lines open: Monday-Friday 9.00am - 5.30pm
  • Website:  www.bdl.org.uk


Payplan

Payplan logo

Offers free, impartial debt solutions tailored to meet personal circumstances such as Debt Management Plans (DMPs) and Individual Voluntary Arrangements (IVAs).  Payplan is part-funded by donations from the UK credit industry.  It is not a registered charity.

  • Tel: (0800) 280 2816
  • Lines open: Monday-Friday 8.00am - 9.00pm, Saturday 9.00am - 3.00pm
  • Website: www.payplan.com


Gov.uk guide to dealing with debt problems

Step-by-step guidance provided by the UK Government’s public services access website:  www.gov.uk/options-for-paying-off-your-debts


Money Matters Online

brighton & hove city library service logo

A collection of links vetted by Brighton & Hove Library Service and designed to help you with money and finances. 


Citizens Advice Bureau (CAB) Advice Guide

CAB Advice Guide logo Online help provided by the Citizens Advice Bureau:  www.adviceguide.org.uk


Brighton & Hove NHS ~ Information Prescriptions

NHS Brighton & Hove logo The Information Prescriptions website has been developed to help people with long term health conditions or social care needs. The website offers information and links to support organisations that can help people manage their conditions better and live longer, healthier and more independent lives. The site includes tips on where to look for financial advice and benefits advice, both locally and nationally - go to:  www.ipbh.org.uk/financial-advice-and-benefits 


Martin Lewis ~ Money Saving Expert

Money Saving Expert logo

Guidance on  dealing with debt, including budgeting advice, a useful budgeting tool and ways to make your money go further. There’s also a guide to mental health & debt. The website is run by Martin Lewis. It is not a registered charity. Website:  www.moneysavingexpert.com


Legal Aid

Community Legal Advice logo

Legal Aid can help you pay for legal advice, mediation or representation in court if you can’t afford it.  This could include help for housing or debt problems.  The Gov.uk website has an online Legal Aid checker to help you find out if you are entitled to this help.


Gov.uk Benefits Adviser

 Many people are missing out on benefits and tax credits by not knowing that they may be entitled to them. The Benefits Adviser is an online questionnaire to help you find out which benefits and tax credits you and your family may be entitled to. No personal information is required.  The Benefits Adviser tool is provided by Gov.uk, the UK government’s public services access website:   www.gov.uk/benefits-adviser


talk about debt

talk about debt logo

The talkaboutdebt website provides useful information and tips on dealing with debts and suggestions on which of the national debt help organisations might be more suited to help you, based on your circumstances. The website also has some reviews of debt management companies and debt help charities from people who have used them. The website is run by Talk About Holdings Limited. It is not a registered charity. Website: www.talkaboutdebt.co.uk