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Debt advice

Free, confidential and impartial debt advice is available from independent organisations

If you’re worried about money or struggling to keep up with payments, help is available for you. Speaking to someone early may make things feel more manageable.

There are a number of organisations that offer free, confidential and independent money and debt advice. They can help you understand your options, deal with creditors, and reduce financial stress. Getting advice will not affect your credit file.

You do not have to be in arrears to contact these services.

What kind of help can they provide

Free debt advice organisations can help with:

  • Creating a realistic budget
  • Understanding your debts and priority bills
  • Exploring repayment options and debt solutions
  • Talking to creditors on your behalf
  • Support if money worries are affecting your mental health
  • Guidance on Breathing Space and other protections

All advice is impartial and tailored to your circumstances.

Important information

  • All organisations listed are independent of BufferMoney
  • Advice is free, independent, and impartial
  • Seeking advice will not affect your credit file

Need some extra help with your finances?

We understand that money worries can be stressful and affect your wellbeing. If you’re finding things difficult, you’re not expected to manage this on your own. Let us know if you need extra support, and we’ll take this into account when we speak with you.

You can also contact one of the free and independent organisations listed below for confidential help at any time.

Customers experiencing financial difficulties are encouraged to contact one of the following organisations for free, confidential and impartial money guidance and debt advice.

  • Money Advice Service: Free, easy-to-use money tools, information and advice. You can also phone 0800 138 7777 to speak to a money expert, use typetalk at 18001 0800 915 4622, or add +44 7701 342744 to your WhatsApp to send a message.
  • Citizens Advice: Advice and information on debt and other topics.
  • AdviceUK: Member centres offer debt advice, including specialist advice for minority communities and people with disabilities.
  • Christians Against Poverty (CAP): Free debt advice for people of any faith or none. To check if they cover your postcode call 0800 328 0006.
  • National Debtline: If you live in England, Wales or Scotland phone 0808 808 4000 or visit its website for debt advice and information.
  • StepChange Debt Charity: Free debt advice throughout the UK phone 0800 138 1111 or visit the website.
  • Money Advice Scotland: If you live in Scotland. You can use webchat to speak to an adviser, or email [email protected].
  • Citizens Advice Scotland: For advice and information on debt and other topics, contact your local
  • Citizens Advice Bureau or call the helpline on 0800 028 1456.
  • Advice NI: If you live in Northern Ireland, phone 0800 915 4604, email [email protected] or visit the website.
  • Citizens Advice Wales: If you live in Wales, visit the website, or call Advicelink on 03444 77 20 20 if you want to speak to someone about your debts. Calls cost the same as calls to landline numbers.
  • Business Debtline: If you are self-employed or a small business owner, phone 0800 197 6026 or visit the website for debt advice and information.
  • Mentalhealth.org.uk: Free help and resources for those struggling with debt management and their mental health.

Contacting us

If you’re struggling to make repayments or are worried about your finances, you can also contact our Customer Support team in the way that works best for you. 

If you have any accessibility needs or would prefer to communicate in a different way, please let us know and we’ll do our best to support you.

How we can support you

If you’re finding it difficult to keep up with your repayments, or think you might struggle in the future, please contact us as soon as possible. We’re here to listen and to help where we can.

Depending on your circumstances, we may be able to:

  • Talk through your financial situation in confidence
  • Give you time to get free, independent debt advice
  • Discuss temporary repayment arrangements
  • Consider short-term payment reductions or pauses
  • Help you understand your balance, payments, and options
  • Signpost you to free debt advice organisations for additional support

Any support we offer will be based on your individual circumstances.

1.

Email us

[email protected]

Our email inbox is monitored during the following hours:

Monday – Friday: 8am – 5pm
Saturday: Closed
Sunday: Closed

2.

Give us a call

0330 4000 123

Our phone lines are open during the following hours: 

Monday – Friday: 8am – 5pm
Saturday: Closed
Sunday: Closed

3.

Write to us

If you need to contact us by post or write to us with a query, our address is:

Loans 2 Go Limited t/a BufferMoney
Bridge Studios,
34a Deodar Road,
London SW15 2NN

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