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How do I manage my money if I have mental health problems?

Next steps

  1. Overview
  2. Budgeting
  3. Managing money
  4. Bank accounts
  5. Top Tips
  6. Codes of Practice and Guidelines
  7. Insurance
  8. Taking out credit
  9. Next steps

  1. Further reading
  2. Useful contacts
  3. Still looking for help?

These pages should be helpful

Useful contacts

Money Advice Service

You can use the Money Advice Service website to find a debt adviser near you and gain advice on other debt matters.

Address - 120 Holborn, London EC1N 2TD

Telephone - 0800 915 4633

(Monday to Friday 9am to 8pm and Saturday 9.30am to 1pm)


National charity that helps people in financial hardship gain access to welfare benefits, charitable grants and support services.

Address - 200 Shepherds Bush Road, London W6 7NL

Telephone - 0808 802 2000

Free Helpline
(09:00 – 20:00 Monday - Friday)

Citizens Advice

Citizens Advice is a network of 316 independent charities throughout the United Kingdom that give free, confidential information and advice to assist people with money, legal, consumer and other problems. Web chat available on website.

Telephone - 03444 111 444

Same as costs calling 01 or 02 for landline

Mental Health UK

Mental Health UK works across England, Scotland, Wales, and Northern Ireland to improve the lives of people with mental illness, and to support carers. Together our four founding member organisations, Rethink Mental Illness, Support In Mind Scotland, Hafal, and MindWise have worked for over 40 years to provide services, information, and advice to support anyone affected by mental illness.

Address - 89 Albert Embankment, London, SE1 7TP, United Kingdom

Rethink Trust Corporation

Find out about what a trust fund is and how setting one up could help you and your loved ones.

Address - Rethink Trust Corporation Enquiries, FREEPOST RSYC-ZCJT-RSRC, First Floor Castlemill, Burnt Tree, Tipton, DY4 7UF

Telephone - 0300 222 5702

National Debtline

This organisation provides free, independent and confidential advice about debt. You can contact them over the telephone, by e-mail or letter.

Address - National Debtline Tricorn House, 51-53 Hagley Road, Edgbaston, Birmingham B16 8TP

Telephone - 0808 808 4000

(Monday - Friday 9am to 8pm and Saturday 9.30am to 1pm)


StepChange provide free, confidential advice and support to anyone worried about debt. You can contact them over the telephone or online.

Telephone - 0800 138 1111

(Monday - Friday 8am - 8pm and Saturday 8am - 4pm)

Tax Credit Helpline

Address - Tax Credit Office, HM Revenue and Customs, BX9 1LR, United Kingdom

Telephone - 0345 300 3900, Textphone: 0345 300 3909

Up to 9p per minute for landlines, 3p – 55p per minute for mobiles
(The helpline is open 8am-8pm, Mondays to Fridays, 8am-4pm on Saturdays and 9am -5pm on Sundays (closed Christmas Day, Boxing Day and New Year's Day).)

Health Assessment Advisory Service

The health assessment advisory service arranges and carries out assessment for DWP.

Address - Customer Relations Team Health Assessment Advisory Service Room 4E04, Quarry House, Quarry Hill, Leeds LS2 7UA

Telephone - 0800 288 8777

(Mon – Fri 8am-8pm; Sat – 9am-5pm )

Financial Ombudsman Service

The Financial Ombudsman Service can deal with complaints from consumers about most financial matters including, for example: banking, insurance, mortgages, pensions, savings and investments, credit cards and store cards, loans and credit, hire purchase and pawnbroking, financial advice, stocks, shares, unit trusts and bonds.

Address - The Financial Ombudsman Service Exchange Tower London E14 9SR

Telephone - 0800 023 4 567 0300 123 9 123 

0800 023 4 567 calls to this number are now free on mobile phones and landlines 0300 123 9 123  calls to this number cost no more than calls to 01 and 02 numbers
(Monday - Friday 8am – 8pm Saturday 9am – 1pm )

Equality and Human rights commission

Protect people against discriminatory treatment and hold organisations, such as businesses and government, to account for what they do.


Telephone - 0808 800 0082

(Monday - Friday 9am-7pm Saturday 10am-2pm )


Experian plc is a consumer credit reporting agency. Experian collects and aggregates information on over one billion people and businesses including 235 million individual US consumers and more than 25 million US businesses.

Address - CreditExpert, PO BOX 7710, Nottingham, NG80 7WE

Telephone - 0344 481 0800 or 0800 013 88 88

(Monday to Friday 8am-7pm Saturday 8am-4pm)


Check your credit score You need to have an online account with Equifax to contact them.

Address - Equifax Ltd, Customer Service Centre, PO BOX 10036, Leicester, LE3 4FS

Telephone - 0800 014 2955* or 0333 321 4043

Call free for 0800 number and 0333 calls usually included in mobile and landline bundle otherwise 12p a minute
(8am to 8pm, 7 days a week (closed 3pm 24th to 8am 27th Dec).)

Call Credit 

Find out about your credit report with call credit.

Address - One Park Lane, Leeds, West Yorkshire, LS3 1EP.

Telephone - 0330 024 7574

The Law Society

The Law Society of England and Wales is the professional association that represents and governs the lawyers' profession for the jurisdiction of England and Wales.

Telephone - 020 7320 5650

Rethink Mental Illness

Rethink Mental illness directly support almost 60,000 people every year across England to get through crises, to live independently and to realise they are not alone. And we change attitudes and policy for millions.

Address - 89 Albert Embankment, London, SE1 7TP

Telephone - 0300 5000 927

(Line open from 9:30am - 4pm Monday to Friday.)

Financial Conduct Authority

Telephone - 0800 111 6768

Free phone
(Monday - Friday 8 am - 6 pm, Saturday 9 am - 1 pm )


Ofgem is the Office of Gas and Electricity Markets. We are a non-ministerial government department and an independent National Regulatory Authority, recognised by EU Directives.

Address - Commonwealth House, 32 Albion Street, Glasgow, G1 1LH.

Telephone - 020 7901 7000

Within this subject

  1. Overview
  2. Budgeting
  3. Managing money
  4. Bank accounts
  5. Top Tips
  6. Codes of Practice and Guidelines
  7. Insurance
  8. Taking out credit
  9. Next steps

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