Debt and Gambling Support
If money worries or gambling are affecting you or someone close to you, free and confidential help is available. The organisations below are independent of us, and none of them will charge you for advice.
Talking to someone early usually opens up more options than waiting does. Whatever your situation, the services on this page are free, confidential and non-judgemental. You do not need to have reached a crisis point to get in touch with them, and asking for advice will not affect any mortgage or protection arrangements you hold through us.
StepChange Debt Charity
Free, impartial debt advice and managed debt solutions. StepChange helps hundreds of thousands of people each year with budgeting, dealing with creditors and finding a way forward. Advice is available online around the clock, or over the phone.
0800 138 1111
Monday to Friday, 8am to 8pm
Saturday, 9am to 2pm
Free from landlines and mobiles
National Debtline
Free and confidential debt advice from the charity Money Advice Trust, covering England, Wales and Scotland. Alongside their advisers they offer fact sheets, sample letters and My Money Steps, a free online tool that builds advice around your own budget.
0808 808 4000
Monday to Friday, 9am to 8pm
Saturday, 9.30am to 1pm
Free from landlines and mobiles
Gambling Support
If gambling is causing harm to you or to someone in your family, the National Gambling Helpline is open every hour of every day. GambleAware also provides self-assessment tools, a spend calculator and information on blocking software and self-exclusion.
0808 8020 133
Open 24 hours, every day
Run by GamCare
Free from landlines and mobiles
If you are struggling with your mortgage payments
If you are worried about keeping up your mortgage payments, speak to your lender as early as you can. Lenders are required to treat customers in financial difficulty fairly and there are often options available, such as a temporary change to your payments or an extension to your term. Contacting them early generally gives you more room to work with than waiting until payments have been missed.
You are also welcome to talk to us. We cannot give debt advice, but we can talk through your mortgage and protection arrangements with you and point you towards the right help.
Please note: the organisations listed on this page are independent of CSC Financial Ltd. We provide these details as a signpost to free help and we are not responsible for the advice or services they provide.