Council tax arrears
Stop bailiff action and agree affordable council tax repayments.
Get council tax helpFree · Confidential · UK registered charity
Struggling with money?
You don't have to face it alone.
Free, confidential support to help you understand your financial difficulties and explore the help available.
Or call 01872 859 515
What's happening with your money?
Our help is always free
Confidential and judgement-free
Registered charity no. 1164287
Based in Truro, Cornwall
How Hand in Hand Foundation helps you
Plain answers to what we do, what we don't, and what happens next.
What support we provide
Free, confidential general information about money worries and debt, and help understanding what options and organisations are available to you.
How our initial support works
You tell us what's worrying you — by phone or the callback form. We listen, help you make sense of your situation, and point you to the right next step.
Do we refer you to partners?
Some of our help is delivered through partner organisations. If a specialist would suit you better, we'll explain why and only refer you with your agreement.
What happens when you request a callback
Your enquiry is saved securely and sent to our team. We contact you using the details you give us. We don't promise a set time, but we aim to respond as soon as we can.
Are there any fees?
Our help is always free. If a partner or debt solution involves fees, that should be explained to you clearly before you agree to anything.
How your personal information is handled
We only use your details to respond to your enquiry. We don't sell your information. See our privacy policy for more.
Hand in Hand Foundation CIO is a registered charity in England and Wales (charity number 1164287). We are not authorised by the Financial Conduct Authority and do not ourselves provide regulated debt advice.
Takes about 2 minutes
Not sure where to start?
Answer a couple of quick questions and we'll point you to the right help.
What's worrying you most right now?
Free and confidential
Request a callback
Taking the first step can feel difficult. Tell us what's worrying you and we'll help you understand where to find support.
What happens next: we read your message and get in touch using the details you give us, as close to your preferred time as we can.
Who may contact you: a member of the Hand in Hand Foundation team. If specialist help would suit you better, we will explain and ask before passing you to a partner organisation.
Your information: used only to respond to your enquiry and kept confidential. Read our privacy policy.
Help for every kind of debt
Pick the area that worries you most — council tax arrears, bailiffs and enforcement agents, CCJs, credit card debt, loans, overdrafts or rent and mortgage arrears.
Bailiff help
Free bailiff help with your rights, what bailiffs can and can't take, and how to stop enforcement agents at your door.
Get bailiff helpCounty Court Judgments
Respond to claims, set aside CCJs and protect your credit file.
Get CCJ helpCredit card debt
Lower payments, freeze interest and find a way forward.
Get credit card debt helpLoans & overdrafts
Personal loans, payday loans and overdrafts — we'll guide you.
Get help with loansRent & mortgage arrears
Priority housing debt help to support you in staying in your home.
Get housing debt helpAttachment of Earnings & Benefits
Money being deducted from your wages or benefits? Find out how to reduce, suspend or challenge the order.
Get AEO helpDebt and mental health
Money worries keeping you awake? Free, confidential support with no judgement — and where to find mental health help.
Get supportBenefits check
Not sure you're getting all the support you're entitled to? We'll check Universal Credit, Housing costs, Pension Credit and more.
Check my entitlementStop bailiffs and council tax bailiffs
If an enforcement agent has written to you or knocked at your door, you have rights — and acting quickly usually means you can stop bailiffs taking your things. We give free help with bailiff letters, fees, payment arrangements, County Court Business Centre claims and how to deal with the company chasing you.
Enforcement companies we help people deal with
We are independent of all of these companies. If one of them is contacting you, we can help you respond.
- Rossendales
- Bristow and Sutor
- Ross and Roberts
- Newlyn bailiffs
- Equita
- Marstons / Marston Holdings
- Dukes Bailiffs
- DCBL
- Lowell
- Andrew James Enforcement
- County Court Business Centre
- Any other bailiff or enforcement agent
Debt help should never cost you money. As well as us, you can speak to StepChange (formerly CCCS), National Debtline or Citizens Advice. We are not connected to them, but we will always say if another free service is a better fit for your situation.
How we help — step by step
From your first call to your final payment, we're with you the whole way.
01
Get in touch
Call us, message us or fill in our short form.
02
We listen
A friendly advisor goes through everything — no judgement.
03
Your plan
We'll explain every option and help you choose.
04
Ongoing support
We stay with you so you can breathe again.
Always free
You'll never be charged a penny.
Confidential
Whatever you tell us stays with us.
Impartial
We don't sell loans or products.
About us
About Hand in Hand Foundation CIO
Hand in Hand Foundation CIO is a UK registered charity (charity number 1164287) offering free, confidential debt help. We help people who are worried about council tax arrears, County Court Judgments (CCJs), bailiff and enforcement agent action, credit card debt, loans and overdrafts, and rent or mortgage arrears.
We support adults right across the United Kingdom. Our registered office is in Truro, Cornwall, but the people we help come from every part of the country — by phone, online and through our help pages.
Our service is funded by grants from charitable trusts and funders, which means we never charge for our help. You will never be asked to pay for anything we do. Debt help is provided through our partner organisations, so you are always supported by trained advisors working to the same free and confidential standards.
Get free help todayKey information
- Full legal name
- Hand in Hand Foundation CIO
- Charity number
- 1164287 — registered with the Charity Commission for England and Wales
- Contact address
- Unit 12, Upper Floor, Threemilestone, Truro, TR4 9LD
- Help is always free
- Funded by grants from charitable trusts and funders — we never charge for help or support.
- Trustees
- Details of our trustees are published on the Charity Commission register.
Your questions, answered
Some of the things people most often ask us before reaching out.
You don't have to face this alone
Reach out today and a friendly advisor will help you understand your options — no pressure, no judgement.