Customer advice

If you are, or think you are entering a period of financial distress, help is at hand. More credit is not the answer. Several of these agencies can help

Help and Advice

Help and Advice
You can contact the following not-for-profit organisations for free, confidential and impartial debt advice, or for details of where to get such advice in your area.

StepChange Debt Charity
For debt advice throughout the UK phone 0800 138 1111 or visit

Citizens Advice
For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book) or go to (England & Wales), (Scotland) or (Northern Ireland).

National Debtline
If you live in England, Wales or Scotland phone 0808 808 4000 or visit for debt advice and information.

Money Advice Scotland
If you live in Scotland, phone 0141 572 0237 or visit to find contact details for debt advice in your local council area.

Money Advice Service
For free, unbiased and easy-to-access money tools, information and advice, including how to access independent, free debt advice services, visit or phone 0300 500 5000 to speak to a Money Adviser.

Member centres offer debt advice to the public, some providing specialist advice for minority ethnic and refugee communities and people with disabilities. For further information phone 0207 469 5700.

Royal British Legion
If you are in the military then please consider the advice that can be provided by the Royal British Legion.
Benefits and money advice service.
Legionline – 08457 725 725

You can also contact the Financial Ombudsman Service if you have a complaint that you cannot resolve with your lenders, please see below contact details.
Financial Ombudsman Service
Phone 0845 080 1800 or visit

Useful Document Links:
CFA Code of Conduct
Good Practice Customer Charter for Payday and Short Term Loans

If you are experiencing any additional financial hardship and need to speak to Cheque Centre directly contact us at:

Call - Cheque Centre Customer Service – 0131 610 0482
Lines are open Monday to Friday. 9:00am – 5:00pm GMT

More Credit Won't help

As much as the media believe that lenders like to see people in financial distress, they don't. Lenders want a smooth painless transaction, why would they want people struggling to pay?

We will do everything we can to help borrowers who find themselves in trouble. We will point you towards independent advice. Experts who have years of experience in offering help.

Please get intouch if you are struggling, people will help, not judge you.


Representative 49% APR. Representative example: £1500.00 borrowed for 12 Months. Monthly repayment is £154.12, total repayable is £1849.47. Total cost of credit £349.47. All loans are subject to status and only available to UK residents over the age of 18.