1. National Debtline — 0808 808 4000 www.nationaldebtline.co.uk
Phoneline open until 9pm weekdays and 9.30am — 1pm Saturdays. Website contains factsheets and guidance.
Advice covers — debt advice, insolvency, bailiff attendances, court enforcement action related to debts (charging orders, attachment of earning etc.), rent arrears, possession claims for non payment of rent, council tax/utility arrears
2. Shelter — 0808 800 4444 — www.shelter.org.uk
Phoneline open 7 days a week. Website contains useful factsheets and guidance.
Advice covers — homelessness, evictions (council and private landlords), mortgage repossessions. How to find somewhere else to live.
Useful for — anyone needing guidance on whether they can be evicted from their home. They can also help negotiate with the landlord to try and allow tenants to remain in the property.
Also, for advice local to the Wakefield or Dewsbury area on housing, you can contact:
– Springs Advice Centre, Wakefield – 01924 302085
– CHAS Housing, Dewsbury – 01924 324 990
3. AgeUK — 0800 169 6565 — www.ageuk.org.uk
Phoneline open 7 days a week between 8am — 7pm. Website contains impartial and informative factsheets and advice guides on a variety of topics aimed towards older people.
Advice covers — money matters, health, home & care, work & employment, wills & pensions.
Useful for — somewhere to start to get initial advice on all those issues facing older members of the community.
4. Consumer Direct – 08454 04 05 06 – www.direct.gov.uk
Phoneline open Monday to Friday 9am — 5pm. Website contains information on a wide range of consumer issues, including excellent template letters.
Advice covers — consumer rights on buying goods & services, buying a car, personal finance, protecting yourself from scams, doorstep & internet selling, holidays & travel, energy bills
Useful for — learning what your consumer rights are & taking practical steps to rectify your problem
5. Financial Services Ombudsman — 0800 023 4567 — www.financial-ombudsman.org.uk
Phoneline is open Monday to Friday 9am — 5pm and is a consumer helpline for advice on individual complaints against financial bodies.
The Ombudsman is an independent and impartial agency set up to deal with complaints on a wide range of financial matters, including banking, insurance, mortgages, credit cards, loans, savings, shares, hire purchase, pensions
The Ombudsman was established by Parliament and therefore, there are strict rules and timescales about bring complaints, which you will need to check with the body itself.
6. Insolvency Service — 0845 602 9848 — www.insolvency.gov.uk
Phoneline open Monday to Friday 8am — 5pm. Website contains advice on all insolvency issues, whether it be for an individual or related to a company, including the relevant forms.
Advice covers — bankruptcy, alternatives to bankruptcy, redundancy, director disqualification or restrictions, company administration, company liquidation
Useful for — guides on how to petition for your own bankruptcy or company liquidation or how a creditor could do this, also the impact of bankruptcy on your assets and life.
7. HM Court & Tribunal Service – www.hmcourts-service.gov.uk
Website has a CourtFinder facility which allows you to search for the address and contact details of all courts in England & Wales.
There is also a FormFinder facility which allows users to download court advice guides and court forms.
Useful for — guidance on attending court, details of courts and tribunals, obtaining free copies of court leaflets & forms
8. Companies House – 0303 1234 500 — www.companieshouse.gov.uk
Phoneline is open Monday to Friday 8.30am — 6pm. Website contains full information on setting up companies, including a Webcheck service for searching for information on companies.
Advice covers — company incorporation, strike off, dissolution, limited liability partnerships, overseas or cross border companies registered in UK
Useful for — searching for company addresses, obtaining information about company directors, annual accounts
9. HM Land Registry — 0844 892 1111 — www.landreg.gov.uk
Phoneline is open Monday to Friday 8am — 6pm. Website contains a wide range of forms, guidance and publications aimed at both the public and those in legal practice.
Advice covers — land registration, adverse possession, obtaining land registry office copies, leases, rectifying title, rights of way, joint ownership of property, bankruptcy & land
Useful for — an overview of the potential issues effecting ownership of land