Return to home page

Help and Advice

We cannot give you any specific advice in relation to dealing with your debts however, there are a number of organisations that you can get free independent help and advice from. We have set out the contact information for these organisations below.

There are also many companies around who will charge you for advice or help. Whilst these companies may help you understand how much to pay each of your creditors, it will mean less of the money you have available will go on repaying your debts.

The contact details for the organisations that are able to provide free independent help and advice are as follows:

Step Change Debt Charity

For debt advice throughout the UK you can phone 0800 138 1111 or visit


If you live in Northern Ireland phone 0845 600 62 62 or visit for general consumer advice.

Advice UK

Member centres are able to offer debt advice to the public, some providing specialist advice for minority ethnic and refugee communities and people with disabilities. Their contact number is 0300 777 0107 or 0300 777 0108.

Financial Ombudsman Service

If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help – phone 0800 023 4567 or visit

Back to top

Return to home page

company logos

Shop Direct Finance Company Limited. Registered number 4660974. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and Regulated by The Financial Conduct Authority.