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Get help with urgent money matters

These guides are for people who need help in an emergency.

Get debt advice online for more support.

I have no money for food

Crisis loans

You may be able to get a grant or loan to tide you over. Apply for these through credit unions and charities. Your local council may be able to help too.

How to get emergency money

Foodbanks

Foodbanks can help with food, clothes, cleaning products and other useful items.

How to get a foodbank referral

I cannot pay for gas or electricity

Prepayment meters

Your supplier or local council may offer emergency help.

How to get credit for your prepayment meter

Energy bills

There are some schemes that give support with bills or arrears.

How to get energy bills help

I am worried about losing my home

Rent – eviction

You will be told if you are at risk of eviction. Get in touch with your landlord and ask them to agree to a payment plan.

How to deal with rent arrears

Mortgage – repossession

Tell your lender why you cannot pay. Try to work out a plan you can afford. They only repossess homes as a last resort.

How to deal with mortgage arrears

I am being chased to pay a debt

Bailiff calls and visits

Bailiffs must follow rules about what they can and cannot take.

  • You do not have to let them into your home
  • They cannot harass you

Read our bailiffs guides

County Court judgments (CCJs)

It can be scary to get a letter telling you to pay a CCJ. You can respond before they take further action. The court may agree that you can pay in stages that you can afford.

Read our CCJ guides

Martin on Feefo says:

"The hardest part is accepting the help!"

"I had been putting off accepting that due to a change in employment my lifestyle was exceeding my income. I was constantly looking at ways to make my finances more manageable.

"I was referred to StepChange by one of my creditors and they have been amazing. They have dealt with my situation in a way that means I no longer have too much month left at the end of my money!

"No longer feel like I am drowning. They supported me every step of the way and keep me updated."

Get help like Martin

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Hannah, Feefo Review