Resources Directory

Age UK

For older people. Help with benefits, managing money, avoiding scams and dealing with legal issues.
ageuk.org.uk/information-advice/money-legal/

Banking: Basic Bank Accounts

Many people entering a debt solution need to open a basic bank account with an organisation they do not have debts with. Most banks offer these.

• Barclays Basic Current Account
• Clydesdale Bank Readycash Account
• Coperative Bank Cashminder
• Halifax Basic Account
• HSBC Basic Current Account
• Lloyds Basic Account
• Nationwide FlexBasic Account
• Natwest Foundation Bank
• Yorkshire Bank Readycash Account
• RBS Foundation Account
• Santander Basic Current Account
• TSB Cash Account
• Ulster Bank Foundation Account

Note: For the purpose of switching away from debts; you choose a banking group you have no debts with. The groups are:-

• Lloyds Banking Group (Bank of Scotland, Halifax and Lloyds),
• Clydesdale Bank and Yorkshire Bank,
• RBS Group (NatWest, Royal Bank of Scotland and Ulster Bank)

Consumer Council for Water

Get support with your water bills
ccwater.org.uk

Consumer Credit Act 1974

All UK consumer borrowing which is enforcable bound by these terms and conditions. (heavy reading)
ccwater.org.uk

Citizen’s Advice – Debt and money

The most complete resource on the internet for UK consumers with debt problems.
citizensadvice.org.uk/debt-and-money

Credit Reports

These organisations offer a free credit report service; useful as it shows you how much you own to whom from borrowing. Note, while the service is free, you will be served with ads matching your credit rating.

• by Equifax – clearscore.com
• by Callcredit – creditkarma.co.uk

Financial Conduct Authority – FCA

The Financial Conduct Authority is the conduct regulator for 60,000+ financial services firms.
fca.org.uk/consumers

Of particular interest, the section on “Treatment of customers in default or arrears“.

GamCare

GamCare is the leading national provider of free information, advice and support for anyone affected by problem gambling.
gamcare.org.uk

Independant Age

Advice and support or older people
independentage.org

Money Helper

Impartial money advice, set up by government
moneyhelper.org.uk

OFGEM – (Office of Gas and Electricity Markets)

Impartial information and advice on household and business energy from Britain’s energy regulator.
ofgem.gov.uk/consumers/energy-guides

OFWAT

OFWAT is regulator of the water sector in England and Wales. Learn about your rights a consumer
ofwat.gov.uk/households/

Pre-Action Protocol For Debt Claim

This describes the conduct the court will normally expect of creditors prior to the start of legal proceedings. (heavy reading)
justice.gov.uk/courts/procedure-rules

Shelter

Shelter helps people struggling with bad housing or homelessness through advice, support and legal services.
england.shelter.org.uk and
scotland.shelter.org.uk

Samaritans

Whatever you’re going through, a Samaritan will face it with you.
samaritans.org

State Benefits

The best place to find government services and information
gov.uk/benefits

TaxAid

TaxAid offers free, confidential advice on tax to those on low incomes.
taxaid.org.uk

Turn2us

Turn2us is a national charity helping people when times get tough. We provide financial support to help people get back on track.
turn2us.org.uk