This is a free, confidential helpline for people with cash flow and debt problems. They provide practical advice to callers, backed up by a free self-help pack, designed to help you manage your way through financial difficulties. Their advisors will provide telephone support along the way. You can download sections of the pack from the website.

0800 1976 026 10am to 4pm weekdays

Website: www.bdl.org.uk

See also the entry for Payplan Small Business Department.