Disputes

Calderdale Citizens Advice

Advice and information for the Calderdale community face to face, over the phone or by e-mail. Local rate advice line open Monday – Friday call: 01422 842848
http://www.calderdalecab.org.uk

Debt Advice Centre Brighouse

Free, independent debt advice. Call 07874240741 to speak to an advisor or mail debtadvice.brighouse@gmail.com

Noahs Ark

Free, independent debt advice including debt relief orders.
www.noahsarkcentre.org.uk

Citizens Advice

Adviceguide is published by the national advice charity Citizens Advice.
https://www.citizensadvice.org.uk/debt-and-money/help-with-debt/how-to-sort-out-your-debts/

Money Advice Service

An independent service set up by government to help people make the most of their money.
https://www.moneyadviceservice.org.uk/en

National Debtline

Helpful information from a national debt advice charity.
https://www.nationaldebtline.org/EW/Pages/New-site-redirect-page.aspx

Step Change Debt Charity

Helpful information from a national debt advice charity.
http://www.stepchange.org/

Advice Now

This website brings together the best information and ‘quick guides’ available on the web.
http://www.advicenow.org.uk

My Money Steps

Money Advice Service site giving a personalised action plan to manage your debts.
https://www.mymoneysteps.org

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.
https://www.gov.uk/report-loan-shark

Debt Camel

Things to think about if you are trying to decide between different debt options
http://debtcamel.co.uk/

GamCare

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.
http://www.gamcare.org.uk/

I want information about credit cards

This could include choosing and using a credit card, card fees and how to avoid running up debt.

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.

I want information about general debt issues

This could include information on money management, general credit and debt problems.

I want information about dealing with 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.

I want information about bankruptcy issues

This could include disadvantages and advantages of bankruptcy, the effect on your credit rating and how to go bankrupt.