Below are the trusted services we point people to. Pick the one that matches where you are and what you need.
Free, confidential debt advice and debt solutions for people in the UK. One of the largest debt charities in the country, with online advice available 24/7 and a freephone helpline.
Regulatory status: Financial Conduct Authority (FCA), Firm Reference Number 729047. Charity numbers 1016630 (England and Wales) and SC046263 (Scotland).
Free, independent, confidential advice on debt, benefits, housing, employment, and consumer issues. Network of local offices across England and Wales.
Regulatory status: FCA for debt advice
Independent network of advice bureaux across Scotland offering free, confidential help on debt, benefits, housing, and consumer issues. The Money Talk Team service routes callers to their local bureau by postcode.
Regulatory status: FCA for debt advice
Free, independent debt advice over the phone and online, run by the Money Advice Trust. Covers England, Wales, and Scotland.
Regulatory status: FCA for debt advice
Free and impartial money guidance backed by the UK government, run by the Money and Pensions Service. Covers debt, pensions, benefits, and everyday money topics.
Regulatory status: Money and Pensions Service (MaPS), arm's-length body of HM Government
Free debt help, budgeting support, and money coaching delivered through a UK-wide network of local centres hosted in churches. New clients start by checking their postcode for coverage.
Regulatory status: Financial Conduct Authority (FCA); charity numbers 1097217 (England and Wales) and SC038776 (Scotland); company limited by guarantee registered in England and Wales number 4655175
Free, confidential debt support across Northern Ireland, run by Advice NI's Debt Action service and funded by the Department for Communities. Helps with budgeting, debt solutions, and creditor negotiation.
Regulatory status: FCA-authorised (FRN 618881). Funded by the Department for Communities (Northern Ireland Executive).
24-hour confidential listening line for anyone in emotional distress, struggling to cope, or at risk of suicide. Free to call from any phone in the UK and Republic of Ireland.
Regulatory status: Charity Commission (England and Wales) and OSCR (Scotland)
Suicide prevention charity offering free, confidential support via helpline, web chat, and WhatsApp. Open 5pm to midnight every day. Open to anyone aged 15 and over.
Regulatory status: Charity Commission (England and Wales)
Free, confidential, 24/7 mental-health text-message support for anyone in the UK who is struggling to cope. Trained volunteers respond by text.
Regulatory status: Mental Health Innovations, registered charity 1175670 (England and Wales)
Mental health charity for England and Wales offering information and signposting. The Infoline handles non-urgent questions about mental health support and local services. **Not a crisis line** for after-hours crisis support, route to Samaritans (116 123).
Regulatory status: Charity Commission (England and Wales)
Scotland's leading mental-health charity. The general enquiries line takes questions about SAMH's services; the Information Team handles non-urgent questions about mental health support and signposts to local Scottish services via email.
Regulatory status: OSCR Scottish Charity number SC008897; company limited by guarantee registered in Scotland SC082340
Free, confidential out-of-hours phone and webchat service for people in Scotland aged 16 and over who are experiencing low mood, depression, or anxiety. Run by NHS 24.
Regulatory status: NHS 24 (NHS Scotland)
Specialist financial support line for anyone experiencing domestic abuse who is in financial difficulty. Run jointly by Surviving Economic Abuse and Money Advice Plus.
Regulatory status: Money Advice Plus is FCA-authorised for debt advice; Surviving Economic Abuse is a registered charity: 1173256 (England and Wales) and SC051495 (Scotland)
Freephone 24/7 helpline for anyone affected by domestic abuse in England. Run by Refuge. Live chat and BSL support available during the day.
Regulatory status: Refuge, registered charity 277424 (England and Wales); company limited by guarantee 1412276
24-hour helpline for anyone in Scotland experiencing domestic abuse, forced marriage, or honour-based violence. Operated for Scottish Women's Aid.
Regulatory status: OSCR (Scottish Women's Aid as the operator)
Visit Scotland's Domestic Abuse and Forced Marriage Helpline
Confidential freephone helpline run by Welsh Women's Aid for anyone in Wales experiencing domestic abuse, sexual violence, or other forms of violence against women. Open 24 hours a day, every day of the year. English and Welsh language support available.
Regulatory status: Charity Commission (Welsh Women's Aid as the operator); contracted by the Welsh Government
Federation of local Women's Aid groups across Northern Ireland providing support to women and children affected by domestic abuse. Federation office signposts to local groups; eight local Women's Aid groups across the region provide direct support.
Regulatory status: Charity Commission for Northern Ireland (CCNI) registration 106451
Confidential helpline for any man in the UK experiencing domestic abuse from a partner or ex-partner. Run by the charity Respect.
Regulatory status: Respect, registered charity 1141636 (England and Wales); company limited by guarantee 7582438
National helpline for LGBT+ victims and survivors of domestic abuse, sexual violence, and hate crime in the UK. Run by the LGBT+ anti-abuse charity Galop.
Regulatory status: Galop, registered charity 1077384 (England and Wales); company limited by guarantee 2969307
Free, confidential support service for anyone in the UK under 25, covering mental health, money, housing, relationships, and crisis. Helpline, web chat, peer community, and free counselling.
Regulatory status: Mental Health Innovations, registered charity 1175670 (England and Wales)
Free, confidential helpline for parents, carers, and family members worried about the mental health of a child or young person up to age 25. Detailed information, emotional support, and signposting.
Regulatory status: YoungMinds, registered charity 1016968 (England and Wales) and SC039700 (Scotland)
Free, confidential 24/7 service for anyone in the UK under 19. Counselling by phone, online chat, or email. Operated by the NSPCC.
Regulatory status: NSPCC, registered charity 216401 (England and Wales), SC037717 (Scotland), 384 (Jersey)