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Useful links

Independent advice if you're experiencing financial difficulties.

If you're experiencing financial difficulties, it's worth talking to an independent party such as a debt counsellor or a solicitor.

There are many reputable not-for-profit organisations providing free advice. Some of these are listed below, together with their contact details. These are all external sites with no connection to Together.

Citizens Advice 

The Citizens Advice service helps people resolve their legal, financial and other problems by providing free information and advice. They can offer advice face-to-face or over the telephone.


StepChange Debt Charity

StepChange Debt Charity is a registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice. Visit their website or call their helpline on 0800 138 1111.


National Debtline

National Debtline is a national telephone helpline for people with debt problems in England, Wales and Scotland. The service is free, confidential and independent. There is a website for people in England & Wales and a separate site for those in Scotland. The central helpline number is 0808 808 4000.


Money Advice Service

Set up by the Government, the Money Advice Service offers free information and advice on money matters over the phone on 0300 500 5000 and via online chats. You can also book appointments online for a face-to-face meeting to discuss your concerns if you prefer.


For personal customers who want to make a payment or discuss payment difficulties

We’re here between 8.30am and 7pm Monday to Friday. To pay using our automated system, available 24 hours a day, please call 0161 333 7410 and select option 1.

For commercial customers who want to make a payment or discuss payment difficulties

We’re here between 9am and 5:30pm Monday to Friday.