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Helping Customers in Financial Difficulty

Helping you take control

We appreciate that from time to time you may find yourself struggling to stay in control of your finances or simply worried about not having enough money. We also appreciate that this may be embarrassing for you to speak with us about, however it is really important that you do so to enable us to work with you and find solutions.

If you are struggling to meet your bills, pay for daily necessities and don’t know where to turn for help and guidance, please don’t let the situation get any worse - visit us (e.g. your branch (opens in a new window), Financial Solutions Centre or call us direct) and talk to us and let us help you get your life back on track.

Alternatively, there are a number of organisations that provide free and impartial debt advice & guidance, many of which are listed below. You can talk to them about your financial concerns in complete confidence. Please be aware that there are many similar commercial organisations that will charge you for this service.

  • Be honest - it's the start of a journey to the solution
  • Don't ignore your debts - it won't make the problem go away
  • Take control of your future - Seek advice and talk to people

Consumer Credit Counselling Service (CCCS)

This is a registered charity that offers free and impartial advice. It is totally confidential, and supports anyone who needs advice and guidance to help them take control of their finances.

They provide a free money and budgeting service and if appropriate debt management guidance will also be made available. You can call them free of charge on 0800 138 1111 or visit their website at www.cccs.co.uk (opens in a new window)

You can also access their on-line ‘debt remedy tool’ (opens in a new window), which will assess your circumstances and provide you with tailored personal solutions.

Citizens Advice Bureau (CAB)

The CAB offers free face-to-face assistance to people with severe financial difficulties through their network of local offices. You can get the telephone number of your local bureau from The Phone Book, the local library or from the website:

PayPlan

They also provide a free advice service and can be contacted on 0800 917 7823 or at www.payplan.com (opens in a new window)

National Debtline

This is a telephone helpline and you can request a free debt management pack. The pack includes guidance on completing a personal budget plan to help understand and discuss your financial situation. They can be contacted on 0808 808 4000 or via www.nationaldebtline.co.uk (opens in a new window)

Money Advice Scotland

Established in 1989 the organisation aims to raise the standards of money advice to people with debt problems. They can be contacted on 0141 572 0237 or via www.moneyadvicescotland.org.uk (opens in a new window)

Advice UK

AdviceUK is the UK's largest support network for free, independent advice centres. It covers not only money and debt advice but also other areas such as homelessness, drugs and alcohol, benefits etc. They can be contacted on 020 7407 4070 or via www.adviceuk.org.uk (opens in a new window)

Other Helpful Services

Financial Services Authority (FSA)

This is a government organisation which was set up to provide impartial help and guidance to consumers on all money related matters. They provide a ‘money made clear’ (opens in a new window) facility that includes help on managing money, a budget calculator and money saving tips.

British Bankers Association

The BBA is the leading association for the UK banking and financial services sector. The British Bankers Association website (opens in a new window) includes a section dedicated to ‘coping with financial difficulties’.

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Useful Links

Clydesdale Bank is not responsible for the content of external internet sites