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If you are experiencing financial difficulty we will do our very best to help you, but you may also want to contact organisations offering free debt advice. We recommend that you contact the following organisations in the event of financial difficulties. All of these offer free advice and may be able to help you.

• National Debtline – a free, confidential and independent telephone helpline for debt problems. www.nationaldebtline.co.uk or on Freephone 0808 808 4000 (England, Wales, and Scotland)

• Advice UK - a network of independent advice-providing organisations. Telephone 020 7469 5700, or visit www.adviceuk.org.uk

• Citizens Advice Bureau – a network of local offices offering free, confidential independent advice - www.citizensadvice.org.uk (England, Wales and Northern Ireland), or www.cas.org.uk (Scotland)

• Christians Against Poverty – free advice with local networks www.capuk.org or tel 01274 760720

• Step Change Debt Charity - For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org

• Credit Action – www.creditaction.org.uk or tel 0207 380 3390

• Payplan – funded by the credit industry but is impartial and deals with all creditors. www.payplan.com or tel 0800 280 2816