Financial difficulties

Getting help before it gets out of hand

When money difficulties set in it’s essential that you seek help as soon as you possibly can. So if you’re finding it difficult to pay things like bills, your mortgage, or the minimum monthly payment amount on your credit card, we’ve got a comprehensive range of expert advice on how to cope and what to do.

If you’d prefer to speak to an independent party, then you could try the National Debtline web chat as shown below.

Web chat now with a National Debtline adviser

National Debtline offers free, independent advice on how to deal with your debts.
For practical advice about your options, web chat now with a National Debtline adviser.
Available Monday to Friday 9am to 8pm. Saturday 9:30am to 1pm. Closed Sunday
Start live chat

Money worries and your health

This short tool hosted by the NHS website will assess how money worries are affecting you and will give practical information from the Money Advice Service on how to get your finances under control.

Self-employed customers
If you are self-employed and experiencing financial difficulties, we can now refer you to Business Debtline for specialised business advice, please see here for more information.

There is a wealth of online advice and support available that can assist with all kinds of life, finance and health problems - if you know where to look for it. So we’ve brought together these resources to help you find this information.

Money Advice Service

Provides free, clear and unbiased advice to help you make the most of your money.

Visit site


Offers free, confidential help with debt and general money management.

Visit site

National Debtline

Provides free, confidential and independent advice on how to deal with debt problems. Includes web chat and email help facility.

Visit site

Helpful tools

There are a number of online tools available that can provide you with information and guidance if you need help with your finances. Click on the link below to get started.

Money advice service

Money advice

Tools and online chat that can help you budget, save and cut back on outgoings, as well as compare costs for different financial products.

Use tool

Balance my bills


A tool to help you review your income and expenditure, allowing you to compare your spending to the national UK average and showing where you might be able to save money.

Use tool

Budget planner

Landlords budget planner

An easy-to-use calculator that indicates the highest interest rate you could afford based on your overheads and monthly rental income.

Use tool