Free · Confidential · No judgement

Debt can affect more than your finances

Your mental health matters too.

Debt doesn't stay on a bank statement. It can follow you to work, keep you awake at night and affect your relationships, confidence and mental wellbeing.

You might be:

  • Losing sleep because of money worries
  • Feeling anxious every time the phone rings
  • Avoiding letters, emails or your bank account
  • Feeling ashamed or embarrassed about your debts
  • Struggling to concentrate at work
  • Hiding money problems from your partner or family
  • Feeling like there is no way out

If that sounds familiar, please don't face it alone.

Behind every debt is a person

At Hand in Hand Foundation, we understand that behind every debt is a person.

When you speak to us, we're not here to judge how you got into debt.

We're here to listen, understand what's happening and help you work out what you can do next.

One problem doesn't have to become two

Getting support with your finances can help you begin taking back control — but looking after your mental wellbeing is just as important.

If debt is affecting how you're feeling, tell us.

  • You don't need to pretend you're okay.
  • You don't need to be embarrassed.
  • You don't need to have everything figured out before asking for help.

Sometimes the first step is simply saying: "I'm struggling."

Let's take the next step together.

Talk to one of our friendly advisers about your financial situation

Free. Confidential. No judgement.

Need support with your mental health too?

If you're struggling emotionally or feel unable to cope, specialist mental health support is available. These UK helplines are free, confidential and staffed by people who listen.

If you are in immediate danger or feel you may harm yourself, call 999 or go to A&E now.

A mental health emergency should be taken as seriously as a physical one — you will not be wasting anyone's time.

Need urgent help but it's not an emergency?

Call NHS 111 and select the mental health option, use 111.nhs.uk, or ask your GP for an urgent appointment. 111 will point you to the right place to get help.

Samaritans

116 123

24 hours a day, every day of the year

For everyone. Free to call from any phone, day or night — no pressure, no judgement, and you don't have to give your name.

Shout

Text SHOUT to 85258

24 hours a day, every day

Free, confidential text support from trained volunteers if you're struggling to cope. High-risk texters are prioritised.

NHS 111

Call 111 (choose the mental health option) or use 111.nhs.uk

24 hours a day, 7 days a week

Urgent mental health help that isn't an emergency. 111 will tell you the right place to get help — you won't be wasting anyone's time.

CALM (Campaign Against Living Miserably)

0800 58 58 58

5pm to midnight, every day

Suicide prevention helpline for anyone over 18. Live chat and WhatsApp are also available on the CALM website.

Mind infoline

0300 123 3393

Monday to Friday, 9am to 6pm (except bank holidays)

Confidential information about mental health problems, treatments, medication and where to get help near you.

Childline

0800 1111

24 hours a day, 7 days a week

Free, confidential support for anyone under 19. The number won't appear on your phone bill, even without credit.

These organisations are independent of Hand in Hand Foundation. Opening hours and details can change — please check each organisation's website for the latest information. If you need debt help, we're always here on 01872 859 515 (Mon–Fri, 9am–6pm).