Skip to content

Advice on managing your money and dealing with debt

Related Links

Our Financial Inclusion Strategy, published in March 2016, is a universal strategy developed with an external advisory group.
A credit union is a community owned 'bank', owned and managed by its members and offers an easy and convenient place to save, and access to low cost loans.
The purpose of the fund is to offer payments or in kind support to provide urgent assistance to people where there is an identified need to safeguard health and well being.
Piggy bank

If you find you have problems in dealing with debt or borrowing money, you are not alone.

Help with dealing with debt

There are lots of organisations that can help you (All external links):

Citizens Advice Cymru  

Citizens Advice Cymru is working with the new Money Advice Service (External link)  to help everyone make the most of their money and take control of their finances.

To make an appointment with your local money adviser, email: or telephone 0300 330 0520.


A free non-profit online resource setting out the various complex aspects of personal finance in an easy to read format and includes directions to specialist advice lines and services.

The National Debtline

Provides free confidential and independent advice on how to deal with debt problems. Or visit My Money Steps (External link) for interactive advice online. Alternatively call the National Debtline free on 0808 808 4000 (Monday – Friday 9.00a m - 9 .00pm, Saturday 9.30am-1pm).


A specialist Consumer Credit Counselling charity that provides personalised debt advice that is specificall y tai lored for you. Call free on 0800 138 1111.

Paying your Bills

If you are struggling to pay utility bills, contact your supplier. They also offer advice if you’re struggling to pay your utility bills.

Home Heat Helpline 

The Home Heat Helpline offers advice on energy efficiency and fuel debts to people on a low income. Call free on 0800 33 66 99.

Dŵr Cymru

For the Welsh Water's Helpline, call free on 0800 052 0145 (Mon - Fri 8am to 8pm, Sat 8:30am to 1:30pm).

Mortgage rescue schemes 

Your local authority may have a mortgage rescue scheme. To find out what help is available in your area, contact your local authority

Charities such as Shelter Cymru also help and advise if you are in danger of losing your home, to find out more, visit the Shelter Cymru website (External link)

If you can’t pay:

Seek advice from the Citizens Advice Bureaux (External link)

For advice about claims against you, contact the HM Court Service (External link)

Borrowing money – don’t be a victim

Trading Standards

Your local Trading Standards office can offer help and advice if you are having problems with a loan. 

Loan sharks

If you are a loan shark victim, or think there may be a loan shark operating in your area, contact the Wales Illegal Money Lending Unit. They operate a 24 hour Hotline - 0300 123 3311.

Consumer advice

Contact the national consumer advice service on 08454 040506 (English) or 08454 040505 (Cymraeg) for advice and information about any consumer problem. 

Credit unions

Credit Unions offer low-cost loans that are a good alternative to pay-day loan companies or loan sharks and also offer an array of help and advice on how to manage your budget. Use the "Find your local credit union" link under "Related links" to find a credit union in your area.