To find out about free independent money advisors in your area try:
Citizens Advice
(www.citizensadvice.org.uk)
Tel: 020 7833 2181
or
Advice UK
(www.adviceuk.org.uk)
Tel: 020 7407 407
There are also free national telephone helpline services that can give immediate help and advice, such as:
National Debtline
(www.nationaldebtline.co.uk)
Tel: 0808 808 4000
Consumer Credit Counselling Service
Tel: 0800 138 1111