Page last updated at 15:05 GMT, Wednesday, 24 September 2003 16:05 UK

Financial Contacts - Borrowing and Debt

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If you need to find out about loans or are in behind with a credit card repayment, where can you go for help? There are a number of organisations that can help you.

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Citizens Advice Bureau

The Citizens Advice Bureau service offers free, confidential, impartial and independent advice.

You can find out details of your local CAB by using the website's online directory (see link on right) or by looking up its local offices in your telephone directory.


Consumer Credit Counselling Service

The service offers free advice and information to those affected by debt.

Consumer Credit Counselling Service
Wade House
Merrion Centre
Leeds
LS2 8NG

Tel: 0800 138 1111


National Debtline

A helpline that offers confidential and independent advice to those in debt.

National Debtline
Tricorn House
51-53 Hagley Road
Birmingham
B16 8TP

Tel: 0808 808 4000
Fax: 0121 703 6940


Advice UK

The new name for the Federation of Information and Advice Centres.

It is a large network of advice-providing organisations.

Telephone: 020 7407 4070 or visit its website.

For agencies in Northern Ireland, contact the Association of Independent Advice Centres on 028 9064 5919.


Credit reference agencies

The following agencies hold information about people's credit histories. When you apply for a loan or credit card, this information is taken into account before any deal can be approved. You can always check your credit history to make sure the information is correct, by contacting these agencies.

Experian Ltd
Consumer Help Service
P.O. Box 8000
Nottingham
NG80 7WF
08702 416 212

Equifax Credit Information
Credit File Advice
PO Box 1140
Bradford
B21 50S
08705 143 700

Ireland:
Irish Credit Bureau
ICB House
Newstead
Clonskeagh
Dublin 14
00 353 1 260 0388 (From UK)
01 260 0388 (From Ireland)


Information Commissioner

The commissioner is responsible for enforcing the law regarding data protection and freedom of information

Information Commissioner
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Tel: 01625 545 745
Fax: 01625 524 510


The Insolvency Service

The service provides information for individuals and businesses affected by insolvency.

The Insolvency Service
21 Bloomsbury Street
London
WC1B 3QW

Tel: 020 7291 6895


Council of Mortgage Lenders

The CML represents the interests of mortgage lenders in the UK

Council of Mortgage Lenders
North West Wing, Bush House
Aldwych
London
WC2B 4PJ

Telephone: 0845 373 6771


Financial Ombudsman Service

the Financial Ombudsman Service provides consumers with a free, independent service for resolving disputes with financial firms

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Tel: 0845 080 1800
Fax: 020 7964 1001


Financial Services Authority

The FSA aims to maintain efficient, orderly and clean financial markets and help retail consumers achieve a fair deal

The Financial Services Authority
25 The North Colonnade
Canary Wharf
London E14 5HS

Tel: 020 7066 1000


Financial Services Compensation Scheme

The FSCS may pay compensation if an authorised firm is unable to pay claims against it.

Financial Services Compensation Scheme
7th Floor
Lloyds Chambers
Portsoken Street
London
E1 8BN

Tel: 020 7892 7300 Fax: 020 7892 7301


General Insurance Standards Council

The council is the watchdog established to set, monitor and enforce standards in all areas of general insurance, including the fair treatment of customers.

General Insurance Standards Council
110 Cannon Street
London
EC4N 6EU

Tel: 020 7648 7800
Fax: 020 7648 7808


The Institute of Chartered Accountants

The Institute of Chartered Accountants is the largest professional accountancy body in Europe, with over 125,000 members.

Institute of Chartered Accountants in England & Wales
Chartered Accountants' Hall
PO Box 433
Moorgate Place
London
EC2P 2BJ

Tel: 0207 920 8100


The Institute of Chartered Accountants of Scotland

CA House
21 Haymarket Yards
Edinburgh
EH12 5BH

Tel: 0131 347 0100
Fax: 0131 347 0105


Institute of Financial Planning

The Institute is the professional body that represents those involved financial planning.

Institute of Financial Planning
Whitefriars Centre
Lewins Mead
Bristol
BS1 2NT

Tel. - 0117 945 2470
Fax - 0117 929 2214


Office of Fair Trading

The OFT protects consumer rights and ensures that business compete fairly

Office of Fair Trading
Fleetbank House
2-6 Salisbury Square
London
EC4Y 8JX

Tel: 08457 22 44 99


Consumers' Association

The Association campaigns on key issues related to consumption of goods and services

Consumers' Association
2 Marylebone Road
London
NW1 4DF

Tel: 020 7770 7000
Fax: 020 7770 7600


The Consumer Credit Association

The Consumer Credit Association represents businesses involved in the UK credit industry

Consumer Credit Association
Queens House
Queens Road
Chester
CH1 3BQ

Tel: 01244 312044



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