Where to go for assistance

If you’re struggling to manage your finances and find you’re falling behind, there are some places you can go for help.

Reaching out for help may feel difficult, but it can be an important and necessary step in getting things back on track.

Your bank may have a team that’s able to provide you with assistance and also look at your options if you’re struggling to meet repayments on your debts.

If you’re with HSBC and you’ve missed a loan, credit card or overdraft payment, or are worried about missing one in the future, we can help.

Call our team of specialists on 0345 850 0622 to get a helping hand.

If you’re worried about missing a mortgage payment, please call 0345 850 0633.

Lines are open:

• 08:00-18:00 Monday to Friday
• 08:00-16:00 Saturday¹

Please note, lines will not be open Christmas Day, Boxing Day and New Year's Day.

If you think your mental health could be affecting the way you manage your money, we have a range of services available to support you.

If you want independent advice, there are several government organisations and charities who can provide help and give general advice about managing money. You can find out about free independent money advisers in your area from:

• Citizens Advice - http://www.citizensadvice.org.uk  
• AdviceUK - http://www.adviceuk.org.uk

The following helpline services can offer help and advice:

• National Debtline - http://www.nationaldebtline.co.uk 
• StepChange Debt Charity - http://www.stepchange.org

You may find there are some organisations that will help you for a fee. In order to keep your costs down it may be more beneficial to start with charities and government organisations, but if you do feel you want to go to a commercial organisation make sure they’re certified by the Financial Conduct Authority.

If you feel you are given bad advice you can lodge a complaint with the Financial Ombudsman.

One of the first steps to getting control of your finances is to make a budget.

Read next: How to create a budget

¹We accept calls via Text Relay. To help us improve our service, and in the interests of security, we may monitor and/or record your call.