Free independent help and advice

Free independent help and advice You can get independent and free advice to help you with money worries from many organisations, including:

Payplan logo

PayPlan Free Debt Help

PayPlan’s free, confidential advice service is available to anyone worried about money, and can help reduce the amount you’re paying towards your debts each month. You can access their support either online or over the phone and will benefit from a personalised action plan for getting back in control of your finances, including money saving advice and a free benefits check.

Get help online or arrange a call-back from PayPlan

Or speak to them now on 0800 280 2816

(Mon to Fri 8am-8pm, Sat 9am-3pm)

StepChange logo

StepChange Debt Charity

StepChange Debt Charity is the UK’s leading debt advice charity. They help hundreds of thousands of people each year deal with their money worries with free, impartial and non-judgmental advice.

Whether you need debt advice, a way to get your finances back on track after coronavirus, support with budgeting, or managing persistent debt, StepChange can help.

Visit StepChange Debt Charity Website

Or speak to them now on 0800 138 1111

(Mon to Fri 8am-8pm, Sat 8am-4pm)

Citizens Advice logo

Citizens Advice

Citizens Advice provides free, confidential, impartial information and advice on a wide range of debt and benefits issues face to face.

Check your local phone book or Yellow Pages for your nearest Citizens Advice.

Visit the Citizens Advice website

Or speak to them now on 0800 144 8848 (for England) or 03444 77 20 20 (for Wales)

(Mon to Fri 9am-5pm)

Money Advice Service logo

The Money Advice Service

Set up by the UK government, MAS offers free and impartial money advice.

It can provide information to help you decide the best way to take things forward and keep your payments on track.

It also suggests organisations which provide debt management services or providers who can help you keep on top of your money.

Visit the Money Advice Service website

Or speak to them now on 0800 138 7777

(Mon to Fri 8am-6pm)

National Debtline logo

National Debtline

National Debtline gives free debt advice by phone and online to people across the UK.

Visit National Debtline website

Or call on 0808 808 4000

(Mon to Fri 9am-8pm)

Turn2Us logo


Finding things hard? Need somewhere to turn to?

Turn things around with benefits, grants and financial help you can count on.

Visit Turn2us website

Or call on 0808 802 2000

(Mon to Fri 9am-5.30pm)

Financial Conduct Authority

The Financial Conduct Authority (FCA) are providing information for consumers dealing with financial difficulties due to coronavirus on their website.

Visit the FCA website

Important: the content of this page is not intended to be taken as financial advice or recommendation from MBNA. You should seek independent financial advice if you’re unsure about your financial needs.

How could a debt management company help me?

A debt management company could help you manage your debts and negotiate with your creditors to try to reduce your overall payments, making a difficult financial situation easier to control.

They assess what you can realistically repay each month and create a debt management plan for you. They’ll also contact your creditors to negotiate a repayment term or amount.

A debt management company will manage your repayments from a monthly payment you make to them – you’ll receive regular progress updates and, in most cases, you’ll no longer be contacted by your creditors. Your circumstances will also be monitored to make sure your plan stays on track.

Just keep in mind, some debt management companies charge service fees but not the ones on this page. Plans are subject to status and signing up will affect your credit record, as well as your ability to obtain credit in future.