If you have fallen behind with repayments, defaulted on a loan or not paid someone you owe money to then it's important you seek advice. The Money Helper, Stepchange and National Debtline are free, confidential services that can advise you of your options. You can make a call to these services with one of our Advice Workers who can guide you through the conversation and help you make a plan of action.

StepChange offer the widest range of practical debt solutions of any provider in the UK. They provide expert advice either online or over the phone, and they’ll recommend a range of practical debt solutions based on your situation. Still unsure? Take that first step with their 60 second debt test.