Staying debt free is the best option, but unfortunately many of us are forced to borrow and then hit hard times and struggle to pay back what we owe. Never feel overwhelmed and realize that there are thousands of others, if not millions, who have had the same experience. Here you can find help, and please use our Advice Guides to get an idea how to tackle your problems. The ABC are not financial advisers and we do not hold a Consumer Credit Licence. You should always seek expert help, avoid borrowing more to solve your problems and NEVER borrow from Loan Sharks (unlicensed lenders) operating outside the law.

If approached by unlicensed lenders contact Trading Standards Illegal Money Lending Team on:

Telephone: 0300 555 2222


or by text to: loan(space)shark(space) + your message to 60003

Wilson Field is one of the largest independent firms of licensed insolvency practitioners in the UK. Operating nationwide we specialise in business turnaround, insolvency, restructuring and refinance. Our team of experts are able to offer free advice, over the phone, through online chat or by arranging a free face to face consultation.The Insolvency Practitioners of Wilson Field are bound by the Insolvency Code of Ethics when carrying out all professional work relating to an insolvency appointment.



Our Energy Advice Service is dedicated to helping combat fuel poverty and provides one-to-one advice and support to people experiencing difficulties with their energy costs or who are at risk of fuel poverty. 

The Money Charity is a national financial capability charity providing financial education, information and advice to young people & adults throughout the UK.

We believe that being on top of your money means you are more in control of your life, your finances and your debts, reducing stress and hardship. And that being on top of your money increases your wellbeing, helps you achieve your goals and live a happier more positive life as a result.

The MSE Charity is a grant-making charity, it was launched in May 2008 by founder of the acclaimed Money Saving Expert website, Martin Lewis OBE. It is dedicated to improving information and education about debt, money and consumer issues in the UK. 

+44 (0) 161 834 9221

The E.ON Energy Fund has been set up to help customers of any energy company who are struggling to pay their bills, and who live in England, Scotland or Wales.

The npower Energy Fund offers grants to domestic customers of npower to clear gas and/or electricity arrears if the client first demonstrates their commitment to achieving financial stability by making regular payments over a three month period for ongoing usage.

Energy Projects plus is an independent social enterprise and registered environmental charity that has been in operation since 1995. Energy Projects Plus works with a variety of partners to help deliver projects that focus on improving domestic energy efficiency and reducing fuel poverty. 

+44 (0) 151 637 3628

The EDF Energy Trust helps families and individuals living in fuel poverty, suffering or other distress who are struggling to pay their gas and/or electricity bill by awarding grants to clear those debts. 

The British Gas Energy Trust, which incorporates the Scottish Gas Energy Trust, is an independent Charitable Trust established in 2004. The Trust contributes to the relief of poverty, with a particular focus on fuel poverty, helping those who are struggling to pay for their consumption of gas and electricity get back on their feet and remain debt free going forward.

Holdfast offers a wide variety of savings accounts, both for adults and children and these include a standard savings account, Christmas club, bill payment account and most recently an Oil Scheme to help Greenfields Housing Association tenants to raise the ever increasing costs of buying oil to heat their homes in the winter.

We provide affordable lending and flexible saving options for those residing or employed in the borough of Basildon. With a long and trusted record of helping people, we can provide loans and savings products that offer much more competitive rates than high street banks and building societies.

Harlowsave Credit Union (HSCU) is your local community financial cooperative. We provide straightforward and affordable banking services including loans, savings accounts and money management schemes.

Essex Savers is a financial cooperative owned and run by its members for the benefit of its members. We provide local, ethical, banking services offering a secure place to save and affordable credit when it's needed.

The Credit Union Foundation Ltd is a registered charity and a company limited by guarantee with a board of trustees consisting of directors of the Association of British Credit Unions (ABCUL) and independent trustees. 

Business Debtline is a charity run by the Money Advice Trust. We are a free debt advice service for the self-employed and small businesses in England, Wales and Scotland. We have helped thousands of people deal with their debts. Our team of expert debt advisers care about improving your situation and will help you to take control of your debts.

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