There are independent organisations that offer free, confidential and impartial advice. Try contacting StepChange, the debt charity for free, confidential advice. You can call them on 0800 138 1111 or visit Step Change.
Other independent organisations offering free advice include:
Citizens Advice Bureau: For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book) or go to Advice Guide (England & Wales), CAS (Scotland) or Citizens Advice (Northern Ireland).
My Money Steps: Money Steps is a new website where borrowers can get access to straight forward advice, information and the practical support they need to help them manage their borrowing and take control of their finances. It is free, impartial and backed by the Money Advice Trust and Barclaycard. Visit moneysteps.
If you've already appointed a Debt Management Company, please contact the company for any progress updates. If you haven't informed us, please call 0800 161 5213 and we will update your records to show that a Debt Management Plan is being arranged.
If you're having problems paying your bill, you can find more information on our money worries pages.