Debt advice

Sadly, sometimes in life we fall into financial difficulties and are unable to see the light. At HMS we are committed to helping our customers find a solution so please give us a call to see how we can help.

Alternatively there are a number of independent resources available such as debt counsellors or charities that are able to provide impartial advice at no cost. Please see below for links to some resources that prior customers of HMS have found useful: 

Citizens Advice Bureau

Helps people resolve their legal, money and other problems.

Step Change

Provide free advice, support and solutions to those struggling with debt across the UK

The Money Charity

Empowers individuals to make the most of their money through information on financial products, saving, debt and budgeting.


Provides help and support for single parent families

Christians Against Poverty

A national debt counselling charity which aims to bring an end to UK poverty through debt help, its money course, its life skills course and its job clubs.

National Debtline

A debt advice charity which gives you independent debt advice over the phone as well as online


Offers free debt help and advice which includes free debt management plans.

Money Advice Scotland

Scotland’s Money Charity which helps people in debt and aims to improve their financial wellbeing

Debt Advice Foundation

A registered national debt advice and education charity which offers free, confidential support and advice to those worried about debt.


Helps individuals struggling with bad housing situations or homelessness through advice, support and legal services.

British Gas Energy Trust

Independent charitable trust to support families and individuals who are struggling to pay energy bills across England, Wales and Scotland.

Money Helper

Free and impartial advice on topics like benefits, money, family, care, home, pensions & retirement, savings and work.


Offers a confidential emotional telephone support line for men, women, children and young adults.


Provides emotional support to any individual in emotional distress, those struggling to cope or at risk of suicide across Great Britain and Ireland


Offers advice and support to anyone experiencing a mental health problem though its crisis resources, confidential phone line and its legal line which provides information on mental health law.


Aims to improve the lives of those severally affected by mental illness through local groups and services, information and campaigning.

Mental Health UK

Helps people resolve their legal, money and other problems.


Scotland’s national mental health charity providing mental health social care support, services in education to adults and young people.

Cruse Bereavement Support

Helps with grief and bereavement through a helpline or chat service.

The Compassionate Friends

A charitable organisation of bereaved parents, siblings and grandparents who aim to support and care for similarly bereaved family members who have suffered the death of a child or children of any age and from any cause.

Macmillan Cancer Support

Helps those affected by cancer with specialist healthcare, information and financial support.

Versus Arthritis

The UK’s largest charity which is dedicated to supporting individuals with arthritis.

Stroke Association

An organisation which provides specialist support and funds important research and campaigns to make sure that those affected by stroke can get the best care to get their lives back on track.

Parkinson’s UK

A charity that aims to improve the quality of life for people affected by Parkinson’s.

Dementia UK

Offers support and information for people who are affected by all forms of dementia which includes Alzheimer’s disease.


Provides advice for older people on topics related to health & wellbeing, money, legal issues, care and support as well as work and learning.


Provides relationship counselling and self-help tools for individuals and couples, family counselling, mediation and counselling for children and young people.


Offers free advice and guidance on topics related to domestic violence, cost of living support, divorce, death, bereavement, benefits, and money.