Free information and advice about Personal Financial Problems 

Organisations offering free information and advice on housing, rent & mortgage arrears; benefits, pensions, tax credits; borrowing, dealing with debt, insolvency & bancruptcy; buying financial products, consumer advice and a range of other issues:-

The staff at these organizations are friendly and helpful, they have been trained to deal with the sort of problems you are facing and will have seen many similar problems before so there is no need to feel embarrassed.  Don't be afraid to ask for help sooner rather than later!

Free help and advice contacts
Taxaid 
Community Legal Service Direct
Citizens Advice Scotland
Consumer Direct 
Low Incomes Tax Reform Group 
Age Concern 
Consumer Credit Counselling Service 
Insolvency Service
National Debtline 

Other relevant information
Financial Services Authority 
Legal Services Commission 
Office of Fair Trading