Additional Help & Tips
There’s many organisations that provide free and
impartial debt help and advice. See our handy directory
below should you require additional help.
Money Helper
Free, unbiased and easy-to-access money tools, information and guidance. 0300 500 5000 Go to websiteNational Debtline
a charity providing free, independent and expert debt advice. 0808 808 4000 Go to websiteCitizens Advice
National charity offering confidential advice online, over the phone, and in person, for free. 0345 404 0506 Go to websiteMoney Wellness
Take your first step to easing your money worries with our tailored plans, support and advice. Go to websiteMoney Advice Scotland
Debt advice if you live in Scotland. Go to websiteCredit Karma
We've made your score clear and transparent. We'll show you what you can do to improve it. Go to webpageExperian
You can get your Experian Credit Score without paying a penny, by signing up for a free Experian Account. Go to webpageEquifax
Get Regular Alerts and Fix Any Errors On Your Equifax Credit Report & Score. Go to webpage
Vulnerability Registration Service (VRS)
The Vulnerability Registration Service (VRS) is the UK’s first central register for vulnerable people. It is free to use, entirely voluntary, and users can remove themselves from it whenever they decide their circumstances have sufficiently improved. By giving vulnerable consumers a single place to register their status, the VRS helps customers avoid having to repeat the same difficult conversations every time they engage with organisations like lenders and creditors. The VRS is a not for profit company limited by guarantee, so all income is reinvested in running the register and supporting vulnerable consumers, and is independent of any other database provider or credit reference agency. It has been developed following constructive dialogue over a long period with a range of stakeholders in the public, private, and charity sectors. Go to websiteMind
We provide advice and support to empower anyone experiencing a mental health problem. We campaign to improve services, raise awareness and promote understanding. Every year, one in four of us will experience a mental health problem. But hundreds of thousands of people are still struggling. We believe no one should have to face a mental health problem alone. We'll listen, give you support and advice, and fight your corner. Go to websiteSamaritans
Every day, Samaritans volunteers respond to around 10,000 calls for help. We’re here, day or night, for anyone who’s struggling to cope, who needs someone to listen without judgement or pressure. Samaritans is not only for the moment of crisis, we’re taking action to prevent the crisis. We give people ways to cope and the skills to be there for others. And we encourage, promote and celebrate those moments of connection between people that can save lives. We offer listening and support to people and communities in times of need. Go to websiteMental Health Foundation
Mental health problems can make earning and managing your money harder, and debt can trigger or worsen conditions such as anxiety, depression and stress. Since 1949, the Mental Health Foundation has been the UK’s leading charity for everyone’s mental health. Go to websiteTurn2us
Millions of people are missing out on thousands of pounds. Check what you are entitled to now. Go to websitePolicy in Practice
Welcome to our simple to use Benefit and budgeting calculator. Through just a few simple steps you can see how much benefit you are eligible for. Go to websiteentitledto
We are one of the leading providers of online benefits calculators in the UK today. We help people determine what they can claim from national and local government via our self-serve calculators. Go to websiteHousing Support
Government web page with household support information. Go to websiteMoney Saving Expert
See the Money Saving Expert website for regular hints and tips about cost of living help, and ways to get cheaper deals and receive discounted vouchers. Go to websiteMoney sharing made easy
Lend & Borrow money from close friends & family without the hassle. Loop, a new app that makes money sharing awkwardness free.(p.s It’s also 100% free to use!) Go to website
Help for Households
We know people are worried so the government is offering help for households. See what cost of living support you could be eligible for. Go to websiteCommon Questions
You've probably got a few questions?Here's some of the helpful answers.
Which debt advice company is best for me?
There are both free and fee charging debt advice companies. If you use the services of a free debt advice company, more of your disposable income could go towards repaying your creditors, meaning your debts could be repaid more quickly.
Will Perch apply a new default to my credit file?
Perch’s reporting to the CRAs is based on the breakdown of your relationship with the original creditor – if your account has already been defaulted by the original creditor, then they do not register a new default.
A default stays on your credit file for six years from the original registration and remains for the full term regardless of whether a debt is repaid during the six-year period, however if paid, the status of the default changes.
ACI is a trading name of ACI-UK Limited. Company registration number 03775287. Incorporated in England and Wales. Registered Offices: 10 Whitehills Business Park, Whitehills Drive, Blackpool, Lancashire FY4 5LW.
Authorised and regulated by the Financial Conduct Authority for Consumer credit regulated activity, Firm Reference No. 708400. Registered with the Information Commissioners Office, Registration No: ZA116228. Credit Services Association Membership No. 987 (CSA Code of Practice).