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If you are struggling with managing debts advice is available whether your debt is big or small

National online debt advice services

These online services are secure, and you can get immediate, personalised help. Some services are available 24 hours a day.

National Debtline

Step Change Debt Charity

Debt Advice Foundation

Pay Plan


Castle and Crystal Credit Union

Credit unions are not for profit financial cooperatives. They provide a safe, convenient place to save money, and access loans at reasonable rates. Loans tend to start at £250 and go up to £10,000.

Breathing Space - debt respite scheme

If you live in England or Wales, you can get temporary protection from your creditors while you get debt advice and make a plan. This scheme is called ‘Breathing Space’.

Citizens Advice

Citizens Advice offer a debt helpline freephone service 0800 240 4420 (or Relay UK 18001 then 0800 240 4420). The debt helpline is available 9am to 5pm, Monday to Friday. It’s not available on public holidays. Calls are free from mobiles and landlines.

You can also talk about your debt issue with a trained adviser online. 


Live4Less is a free course offered by Adult Learning. It looks at:

  • budgeting
  • how to be energy efficient
  • reduce your travel costs
  • make simple and cost-effective meals

The course is 2 hours long and held across the borough in various venues. For more information, or to book a free place, call Adult Community Learning on 01384 818143 or email

West Midlands Gambling Harms Clinic

The West Midlands Gambling Harms Clinic support people affected by problem gambling. They can provide therapies, treatment and recovery to those in need. They also offer tools, support and resources for those who may need them such as family and friends.

Stop loan sharks

People are struggling to cope with rising food, fuel and energy bills and loan sharks may try to cash in. They use fear, intimidation, and control to create a vicious cycle of debt for those unable to pay back their loans which pushes their clients into poverty.


Stop Loan Sharks deliver free sessions to community groups and organisations to raise awareness. Please contact Nadeem Mahammed from the England Illegal Money Lending Team

Stop Loan Sharks App

Recognise the signs and report loan sharks through the Stop Loan Sharks app.


The Stop Loan Sharks newsletter contains information about their latest arrests, investigations and prosecutions. It also contains information on awareness raising events and other financial education initiatives.

To sign up to receive this newsletter, or to find previous editions, visit the Stop Loan Sharks website.