General Issues

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Citizens Advice

Independent information from Citizens advice

Money Advice Service

An independent service set up by government to help people make the most of their money.

National Debtline

Helpful information from a national debt advice charity.

Step Change Debt Charity

Helpful information from a national debt advice charity.

My Money Steps

Money Advice Service site giving a personalised action plan to manage your debts.

Report a loan shark

Loan sharks are illegal moneylenders who often charge very high interest rates. You can check if a company is authorised to lend money and report loan sharks anonymously.

Debt Camel

Things to think about if you are trying to decide between different debt options


GamCare is the leading national provider of information, advice, support and free counselling for the prevention and treatment of problem gambling.  Services are confidential, non-judgemental and expert.

 Citizens Advice Calderdale

Advice and information for dealing with any debt issues including debt relief orders (DRO)
Call the local rate advice line to speak to an adviser. Open Monday – Friday call: 01422 842848

Noahs Ark

Free, independent debt advice including debt relief orders.

BASH, Brighouse

Foodbank and Support Drop in Service. Support and signposting especially for people who are homeless or vulnerably housed

CAP (Christians Against Poverty)

A  course to help anyone to get more in control of their finances, so they can budget, save and prevent debt.

Help with Debt

If you’re in debt, you need to take action quickly to stop the situation getting any worse

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Understanding which debts are a priority

it’s important to keep in contact with the people you owe money to. If you’re very worried about your debts, you may be afraid to contact them, but you can get help to do this.

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How to deal with your rent arrears

You’ll need help right away if you are unable to pay your rent.
Correspondence and/or letters regarding rent arrears should never be ignored.

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tools and resources to help manage you debt

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Sample letters to creditors

Helpful templates that are free to download and personalise

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I want information about managing my morgtgage

This could include mortgage costs and debt. You’ll need help right away if you are unable to pay your mortgage. Correspondence and/or letters regarding mortgage arrears should never be ignored.

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