Debt Advice and Counselling

We can only help you with your debts owed to us. We cannot help you with debts you may owe to other lenders, utility companies, or suppliers.

There are many debt counselling organisations offering help and advice. Nationwide will work with any of them. The ones listed below offer free services.

National Debtline

National Debtline is a free, confidential, and independent telephone helpline for people with debt problems in England, Scotland, and Wales. It is part of the Money Advice Trust, (registered charity no 1099506). Call free on 0800 808 4000, or visit

Citizens Advice Bureau

To find the phone number of your local bureau look in the phone book, visit your local library or information centre, or use the website for your area.

Advice Lines

AdviceUK is a network of advice-providing organisations, gathered together to enable you to find the right one. Telephone 020 7407 4070, or visit

Consumer Credit Counselling Service

Consumer Credit Counselling Service is a registered charity offering free, confidential advice and support to anyone who is worried about debt. Call free on 0800 138 1111, or visit


Payplan is funded through donations from the credit industry, but remains impartial and deals with all creditors. Call free on 0800 085 4298, or visit