UK-Consumer Web Guide!

Useful Links

 

The following list organisations offer help with issues such as credit, debt, tax and other financial matters.


Experian Ltd.
Provides credit advice and credit reports.
www.insolvencyhelpline.co.uk
Telephone: 0870 241 6212
Address: Consumer Service Help Centre
Experian Ltd
PO BOX 8000
Nottingham
NG1 5GX


Equifax PLC
Provides credit advice and credit reports.
www.equifax.co.uk
Telephone: 0870 010 0583
Address: Credit File Advice Centre
PO BOX 3001
Glasgow
G81 2DT


Money Advice Trust
Provide individual help on personal financial issues.
www.moneyadvicetrust.org
Telephone: 020 74897704
Address: Bridge House
181 Queen Victoria Street London
EC4V 4VZ


Consumer Direct
Obtain personal advice on disagreements with lenders, pre-contractual information and consumer rights among other frequently asked issues
Contact them through www.consumerdirect.gov.uk or call on 08454 04 05 06.


Association of British Credit Unions (ABCUL)
Contact ABCUL for problems and inquiries about loans for people on low income.
This is the main trade association for credit unions.
www.consumerdirect.gov.uk
Address: Holyoake House, Hanover Street
Manchester M60 0AS
Tel: 0161 832 3694
Email: info@abcul.org


Consumer Credit Counselling Service (CCCS)
CCCS offers nationwide, free in-depth debt assessments.
ww.cccs.co.uk
Address: Wade House, Merrion Centre
Leeds, LS2 8NG
Telephone: 0800 138 1111
Email: info@cccs.co.uk


Financial Services Authority (FSA)
FSA gives free advice on financial products and regulates the financial services industry.
www.fsa.gov.uk/consumer
Address: 25 The North Colonnade, Canary Wharf
London E14 5HS
Telephone: 0845 606 1234


National Debtline
Access National Debtline's free telephone helpline for queries about debt problems.
www.nationaldebtline.co.uk
Address: The Arch 48 - 52 Floodgate Street
Birmingham B5 5SL
Telephone: 0808 808 4000


The UK Insolvency Helpline
Access their web site to obtain advice on personal and business debts.
www.insolvencyhelpline.co.uk
Address: National Administration Centre, 788-790 Finchley Road
London, NW11 7TJ
Freephone: 0800 074 6918 (open 24 hours - all year round)


Association of British Credit Unions (ABCUL)
ABCUL is the main trade association for credit unions, a source of loans to people on low incomes.
Holyoake House, Hanover Street, Manchester M60 0AS
Tel: 0161 832 3694
Email: info@abcul.org
Website: www.abcul.org


Citizens Advice Bureau Service (CAB)
CAB offers free independent advice. Use the telephone or CAB online directory to find your local branch.
Myddelton House, 115-123 Pentonville Road, London N1 9LZ
Website: www.adviceguide.org.uk


Consumer Credit Counselling Service (CCCS)
CCCS offers nationwide, free in-depth debt assessments.
Wade House, Merrion Centre, Leeds LS2 8NG
Tel: 0800 138 1111
Email: contactus@cccs.co.uk
Website: www.cccs.co.uk


Experian
You can order your credit file from the credit reference agency.
PO Box 8000, Nottingham NG1 5GX
Tel: 0870 241 6212
Website: www.experian.co.uk


Financial Ombudsman Service
Offers free independent advice for resolving disputes with financial companies on issues such as pensions.
South Quay Plaza, 183 Marsh Wall, London E14 9SR
Tel: 0845 080 1800
Switchboard: 020 7964 1000
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk


Financial Services Authority (FSA)
FSA gives free advice on financial products and regulates the financial services industry.
25 The North Colonnade, Canary Wharf, London E14 5HS
Tel: 0845 606 1234
Website: www.fsa.gov.uk/consumer


Independent Banking Advisory Service (IBAS)
IBAS offers advice and help with financial problems such as debt negotiations, banks overcharging and business banking.
Somersham, Huntingdon, Cambridgeshire PE28 3W
Tel: 01487 843444
Website: www.ibas.co.uk


Money Facts
Money Facts is a comprehensive website offering advice on comparing and choosing: bank accounts, loans, pensions, insurance, and more...
Moneyfacts House, 66-70 Thorpe Road, Norwich NR1 1BJ
Tel: 0870 225 0476
Website: www.moneyfacts.co.uk


National Debtline
National Debtline is a free, national telephone helpline for people with debt problems.
The Arch, 48-52 Floodgate Street, Birmingham B5 5SL
Tel: 0808 808 4000
Website: www.nationaldebtline.co.uk


Payplan
Payplan provides a free debt management service.
Kempton House, Dysart Road, Grantham NG31 7LE
Tel: 0800 085 4298
Email: help@payplan.com
Website: www.payplan.com


The Adjudicator's Office
The Adjudiactor's Office handles complaints ranging from the Inland Revenue, National Insurance Contributions Office and Customs & Excise.
6th Floor, Haymarket House, 28 Haymarket, London SW1Y 4SP
Tel: 020 7930 2292
Email: adjudicators@gtnet.gov.uk
Website: www.adjudicatorsoffice.gov.uk


The Society of Will Writers
The non-profit-making self-regulatory organisation offers consumer advice on wills.
Eagle House, Exchange Road, Lincoln LN6 3JZ
Tel: 01522 687888
Website: www.willwriters.com


The UK Insolvency Helpline
The UK Insolvency Helpline is a detailed online resource with a freephone helpline that gives advice to people and businesses in debt.
788-790 Finchley Road, London NW11 7TJ
Tel: 0800 074 6918
Website: www.insolvencyhelpline.co.uk


Community Legal Service
As well as administering the Legal Aid System, the Legal Services Commission is responsible for the Community Legal Service.
The CLS is developing networks of people giving legal help and advice such as on housing, benefits and debts some of which may be provided without charge. Where there is a charge, assistance may be available through the CLS Fund.


Consumer Credit Couselling Service
Consumer Credit Counselling Service (CCCS) is a registered charity whose purpose is to assist families and individuals who are in financial difficulty by providing independent and confidential counselling on personal budgeting, advice on the wise use of credit and, where appropriate, achievable plans to repay outstanding debts. Its services are free and confidential.
Website: www.cccs.co.uk


Consumer Direct A one-stop service run by the DTI providing on line access to information and advice for consumers
Website: www.consumerdirect.gov.uk


Home-Repo.org
A site containing plenty of useful, readable information on home reposession and debt collection. There are also real life cases giving experiences of reposession and shortfall claims
Website: www.home-repo.org


insolvencyhelpline.co.uk
The UK Insolvency Helpline was established with the remit to look at meeting a long-standing need for debt and credit advice.
Importantly, it is the UK's only personal and business debt consultancy offering free advice to consumers on financial problems.
The dedicated aim of the service is to provide clients with a caring, professional hands on approach to financial problems with the ability to identify and resolve problems at an early stage. As well as providing assistance to individuals, help is also available for c ompanies, sole traders, students and specifically help related to mortgages.
Freephone: 0800 074 6918
email: info@insolvencyhelpline.co.uk
Website: www.insolvencyhelpline.co.uk


National Debtline
Provides advice and support on all aspects of debt as well as being able to refer you to local agencies.
Adviceline: 0645 500 511; Helpline: 0800 4000( Monday and Wednesday 10am to 4pm, Tuesday and Thursday 10am to 2pm Friday 10am to 12noon)


National Association of Citizens Advice Bureaux
Provides free, independent and impartial advice on matters including social security, employment, discrimination, consumer and debt matters, housing, legal etc. The website includes news headlines, news library, how to get advice with an online directory to find your nearest bureau and local website, together with online advice and information.
Website: www.citizensadvice.org.uk


Office of Fair Trading
General advice on your consumer rights in the United Kingdom. The site gives information on your rights under the law, and tips on how to complain or how to find someone who can help with your problem. There is also a series of downloadable consumer leaflets. A useful leaflet is published by the Officer of the Data Protection Commisioner (Your Rights) on how to consult your credit record and correct any mistakes.
Website: www.oft.gov.uk


Trading Standards Central
A one stop shop for consumer protection information in the UK. Subjects covered include mortgages, debts, problems with goods and services, vehicles, holidays etc. There are advice leaflets you can read on-line, print or save to read later. As well as those from Trading Standards there are lists of leaflets available from other organisations.
Website: www.tradingstandards.gov.uk

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