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1 Dealing with Debt

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1. Introduction

2. Rent or mortgage payment problems

3. Council Tax bill problems

4. Hire Purchase (HP) problems

5. Gas, electricity and phone bills

6. Water bills

7. Loan and credit problems

8. What creditors can do to get their money

9. Going to court

10. Dealing with many debts

11. Dealing with bailiffs

12. Other legal protection if you are in debt

13. When you can be sent to prison for your debts

14. Terms used when dealing with debt

15. Further help

Citizens Advice
Your local Citizens Advice Bureau is listed in the phone book

The website of Citizens Advice

 The website of Citizens Advice

Advice UK
A network of local advice centres. To find your nearest centre,
phone: 020 7407 4070

The website of Advice UK

 The website of Advice UK

Law Centres Federation
Phone: 020 7387 8570

The website of Law Centres Federation

 The website of the Lawcentres Federation

National Debtline
For Advice and help with dealing with personal debts
phone: 0808 808 4000

The website of the National Debtline

 The website of the National Debtline

Business Debtline
For advice and help with dealing with business debts
phone 0800 1976026

The website of The Business Debtline

 The website of The Birmingham Settlement

For advice and tax issues, including tax debt
Phone: 020 7803 4959

The website of TaxAid

 The website of TaxAid

Energy Watch
For problems with gas and electricity companies
phone: 0845 9160708

The website of Energy Watch

 The website of Energy Watch

For problems with phone and telecoms companies
phone: 0845 456 3000

The website of Ofcom

 The website of the Oftel

Office of Fair Trading
For problems with credit, loans and hire purchase
phone: 0845 7224 499

The website of the Office of Fair Trading

 The website of the Office of Fair Trading

Trading Standards
Your local trading standards department is listed on the phone book, or at the website.
phone: 0845 7224 499

The website of the Office of Fair Trading

 The website of the Office of Fair Trading

To make a complaint online

 The website of the Office of Fair Trading

The Community Legal Service

The Community Legal Service has been set up to help you find the right legal information and advice to solve your problems.

You can get help through a national network of organisations including Citizens Advice Bureaux, Law Centres, many independent advice centres and thousands of high street solicitors. All of these services meet quality standards set by the Legal Services Commission, look for the Community Legal Service logo:

Community Legal Service Logo

Many of the organisations offer some or all of the their services for free. If you cannot afford to pay for advice you may be eligible for financial support through the Community Legal Service Fund (Legal Aid). You can order leaflets about funding from the LSC Leaflet line on 0845 3000 343.

You can use the Directory on the CLS Direct website to find details of quality assured advice providers.

The Legal Services Commission (LSC)

The Community Legal Service and the Community Legal Service Fund are managed by the Legal Services Commission.  To find out more about us visit our website at or find the details for your local Legal Services Commission office in the phone book. 

More about the CLS Quality Mark

 Click here to read more about the CLS Quality Mark

Use the CLS Directory

 Click here to go to the CLS Directory

Return to the CLS Direct Home Page

 Click here to go to the CLS Direct Home Page


16. About this leaflet

This leaflet is published by the Legal Services Commission (LSC). It was written in association with Birmingham Settlement.

The leaflets are regularly updated but the law may have changed since they were printed so the information in them may be incorrect or out of date.

Leaflet Version: April 2019

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