0845 numbers will be charged at the local rate based on current charges from BT landlines. Charges for calls from mobile phones and other networks may vary.

Advertising Standards Authority (ASA)
www.asa.org.uk
Tel – 020 7492 2222
Textphone – 020 7242 8159

Ofcom (Office of Communications)
www.ofcom.org.uk
Tel – 020 7981 3040 or 0300 123 3333
Textphone – 020 7981 3043 or 0300 123 2024

For a copy of the Banking Code
Banking Code Standards Board
www.bankingcode.org.uk
Tel – 0845 230 9694

For general leaflets
British Bankers' Association (BBA)
www.bba.org.uk
Tel – 020 7216 8800

Tips on how to stay safe online
Banksafe online
www.banksafeonline.org.uk

For general leaflets
Building Societies Association (BSA)
www.bsa.org.uk
Tel – 020 7520 5900

Banking information for people with mental health
problems and learning disabilities
Mental Health Foundation
www.mentalhealth.org.uk
Tel – 020 7803 1101

For details about Stamp Duty
HM Revenue & Customs
www.hmrc.gov.uk/so/faqs.htm
Tel – 0845 603 0135

For details about Home Information Packs
www.homeinformationpacks.gov.uk

For general leaflets
Council of Mortgage Lenders
www.cml.org.uk
Tel – 020 7438 8956

For housing advice and information
Shelter
www.shelter.org.uk
Tel – 0808 800 4444

Information on paying for care homes
Help the Aged
www.helptheaged.org.uk

For help in choosing a care home
Commission for Social Care Inspection
www.csci.org.uk
Tel – 0845 015 0120
Textphone – 0845 015 2255

General information from the government
Directgov
www.direct.gov.uk

Free financial guides for people affected by cancer
Macmillan Cancer Support
www.be.macmillan.org.uk

Various factsheets on banking, insurance and benefits
Mencap
www.mencap.org.uk
Learning Disability helpline – 0808 808 1111

Working with children, adults and people in later life
Mental Health Foundation
www.mentalhealth.org.uk

Money and mental health section
Mind
www.mind.org.uk
Tel – 0845 766 0163 (Mon-Fri 9-5)

Helping to ease the financial stress – for cancer sufferers
and their families
Omagh Independent Advice Services
www.dealingwithcancer.co.uk
Tel – 028 8224 3252

Information about the Child Trust Fund from HM Revenue & Customs
Child Trust Fund
www.childtrustfund.gov.uk

Information about high quality affordable daycare
Daycare Trust
www.daycaretrust.org.uk
Tel – 020 7840 3350

Parenting information and help from the government
Directgov
www.direct.gov.uk

Gingerbread / One Parent Families
www.oneparentfamilies.org.uk
Tel – 0800 018 5026 (open Mon-Fri 9-5 and Wed 9-8)

Child benefits
HM Revenue & Customs
www.hmrc.gov.uk/childbenefit
Tel – 0845 302 1444

Tax credits
HM Revenue & Customs
www.hmrc.gov.uk/taxcredits
Tel – 0845 300 3900

For FSA-regulated firms
Financial Services Compensation Scheme (FSCS)
www.fscs.org.uk
Tel – 020 7892 7300

For members of occupational salary-related pension schemes
Pension Protection Fund
www.pensionprotectionfund.org.uk
Tel – 0845 603 7224
Minicom – 0845 609 9899

For members of occupational salary-related pension schemes that wound up between Jan 1997 and April 2005
Financial Assistance Scheme
www.dwp.gov.uk/lifeevent/penret/penreform/fas/
Tel – 0845 601 9941

Financial Ombudsman Service
www.financial-ombudsman.org.uk
Tel – 0845 080 1800

The Pensions Advisory Service
www.pensionsadvisoryservice.org.uk
Tel – 0845 601 2923

Pensions complaints resolution
The Pensions Ombudsman
www.pensions-ombudsman.org.uk
Tel – 020 7834 9144

Information on your rights when shopping
Office of Fair Trading (OFT)
www.oft.gov.uk

Telephone and online consumer advice service supported by the OFT
Consumer Direct
www.consumerdirect.gov.uk
Tel – 0845 404 0506

One-stop shop for consumer protection information
Trading Standards
www.tradingstandards.gov.uk

Expert, unbiased information to help you make the right choice, whatever you’re buying
Which?
www.which.co.uk

A resource for consumer advice in Northern Ireland
Consumer Line
www.consumerline.org
Tel – 0845 600 6262

An independent consumer organisation for Northern Ireland’s consumers
Consumer Council
www.consumercouncil.org.uk
Tel – 0800 121 6022

Information about choosing and using a credit card from APACS – the UK payments association
Choosing and using
www.choosingandusing.com

For your credit rating report

Experian
www.experian.co.uk
Tel – 0844 481 8000

Equifax
www.equifax.co.uk

Callcredit
www.callcredit.co.uk
Tel – 0870 060 1414

National Debtline
www.nationaldebtline.co.uk
Tel – 0808 808 4000 (Mon-Fri 9-9, Sat 9.30-1 and 24-hour voicemail to request an information pack or factsheet)

Online CAB service
CAB Adviceguide
www.adviceguide.org.uk

Find your local CAB online
Citizens Advice Bureau
www.citizensadvice.org.uk

Consumer Credit Counselling Service
www.cccs.co.uk
Tel – 0800 138 1111 (Mon-Fri 8-8)
Mortgage arrears helpline – 0800 975 9558

Debt Advice Network
www.debtadvicenetwork.org
Tel – 0300 011 2340

Payplan
www.payplan.com
Tel – 0800 716 239

Money Advice Scotland
www.moneyadvicescotland.org.uk
Tel – 0141 572 0237

For housing debt advice
Shelter
www.shelter.org.uk
Tel – 0808 800 4444
(7 days a week 8-midnight)

For help in choosing financial products and services

For details of up to 8 independent financial advisers in your local area
IFA Promotion
www.unbiased.co.uk
Tel – 0800 085 3250
Type talk – 0800 083 0196

Find an adviser for investments, mortgages or insurance in your local area
MyLocalAdviser
www.mylocaladviser.co.uk

Find up to 6 PFS members to advise you on particular financial aspects
The Personal Finance Society
www.findanadviser.org
Tel – 020 8530 0852

Find an insurance broker
British Insurance Brokers Association (BIBA)
www.biba.org.uk
Tel – 0870 950 1790

The Institute of Insurance Brokers (IIB)
www.iib-uk.com

Information about product providers and other sources who provide ethical investments
Ethical Investment Research Service (EIRIS)
www.eiris.org
Tel – 020 7840 5700

For help in organising your finances to meet your life goals

Resources for young people giving useful information on budgeting and how to look after money
What about money
www.whataboutmoney.info

Young Scot
www.youngscot.org
Tel – 0808 801 0338

Guide to managing finances for students and graduates
Milkround Lifestyle Zone
www.milkround.com

For financial planning

Institute of Financial Planning
www.financialplanning.org.uk
Tel – 0117 945 2470

Personal Finance Society
www.findanadviser.org
Tel – 020 8530 0852

For a list of registered providers
Funeral Planning Authority (FPA)
www.funeralplanningauthority.com
Tel – 0845 601 9619

Working with and for older people
Age Concern
www.ageconcern.org.uk
Tel – 0800 00 99 66 (7 days 8-7)

Online CAB service
CAB Adviceguide
www.adviceguide.org.uk

Find your local CAB online
Citizens Advice Bureaux
www.citizensadvice.org.uk

Consumer Direct (from the OFT)
www.consumerdirect.gov.uk

Consumer Line (Northern Ireland)
www.consumerline.org
Tel – 0845 600 6262

Government website for citizens
Directgov
www.Direct.gov.uk

Advice and counselling for couples
Relate
www.relate.org.uk
Tel – 0845 130 4016

Information for young people
What about money
www.whataboutmoney.info

Young Scot
www.youngscot.org
Tel – 0808 801 0338

Guide to managing finances for students and graduates
Milkround Lifestyle Zone
www.milkround.com

Advice and support on finding a place to live
Shelter
www.shelter.org.uk
Tel – 0808 800 4444

Social housing and care homes
Directgov
www.direct.gov.uk

For factsheets and information on insurance
ABI Information zone
www.abi.org.uk

For insurance guides and Find a Broker service
British Insurance Brokers Association (BIBA)
www.biba.org.uk
Tel – 0870 950 1790

For an insurance broker who is an IIB member
The Institute of Insurance Brokers (IIB)
www.iib-uk.com

Use the house rebuilding cost calculator to find out whether you have enough buildings insurance
Building Cost Information Service (BCIS)
www.bcis.co.uk

Apply for a European Health Insurance Card
European Health Insurance Card (EHIC)
www.ehic.org.uk
Tel – 0845 605 0707 or pick up a form at the Post Office

Information about product providers and other sources who provide ethical investments
Ethical Investment Research Service (EIRIS)
www.eiris.org
Tel – 020 7840 5700

For investor guides and details of how to find a fund manager
Investment Management Association (IMA)
www.investmentuk.org
Tel – 020 7269 4639

For investor information and how to find an investment manager or stockbroker
Association of Private Client Investment Managers and Stockbrokers
www.apcims.co.uk
Tel – 020 7247 7080

For details of savings and investments backed by the government
National Savings & Investments (NS&I)
www.nsandi.com
Tel – 0845 964 5000

To buy and sell with-profits endowment policies
Association of Policy Market Makers
www.apmm.org
Policy valuation/sales enquiries – 0845 011 9406

To find out more about bonds
InvestinginbondsEurope.org
www.investinginbondseurope.org

To trace forgotten investments
The Unclaimed Assets Register
www.uar.co.uk
Tel – 0870 241 1713

To claim repayments for Ulster Savings Certificate
Department of Finance and Personnel
www.dfpni.gov.uk

To check US brokers and advisers
US Securities and Exchange Commission
www.sec.gov

To check US securities dealers
US National Association of Securities Dealers (NASD) Broker Check
www.finra.org

Information about product providers and other sources who provide ethical investments
Ethical Investment Research Service (EIRIS)
www.eiris.org
Tel – 020 7840 5700

Free high-quality legal information in England and Wales
Community Legal Service
www.clsdirect.org.uk
Tel - 0845 345 4345

To find a solicitor
The Law Society (England & Wales)
www.lawsociety.org.uk
Tel – 020 7242 1222

The Law Society of Northern Ireland
www.lawsoc-ni.org
Tel – 028 9023 1614

The Law Society of Scotland
www.lawscot.org.uk
Tel – 0131 226 7411

The Consumer Credit Act 1974 requires most businesses that offer goods or services on credit or lend money to consumers to be licensed by the OFT.

Office of Fair Trading (OFT)
www.oft.gov.uk

Consumer Direct
www.consumerdirect.gov.uk
Tel – 0845 404 0506

Consumer Line (Northern Ireland)
www.consumerline.org
Tel – 0845 600 6262

Information about countering money laundering
Joint Money Laundering Steering Group (JMLSG)
www.jmlsg.org.uk

Working to combat fraud and prevent you becoming a victim
Metropolitan Police Fraud Alert
www.met.police.uk/fraudalert

Tips on how to stay safe online
Banksafe online
www.banksafeonline.org.uk

Protect yourself from identity theft
Home Office Identity Fraud Steering Committee
www.identitytheft.org.uk

Personal information toolkit
Information Commission
www.ico.gov.uk

Stamp out scams
Consumer Direct
www.consumerdirect.gov.uk
Tel – 0845 404 0506

Information on scams
Consumer Line (Northern Ireland)
www.consumerline.org
Tel – 0845 600 6262

Protect yourself online, sponsored by government and leading businesses
Get Safe Online
www.getsafeonline.org

The UK's fraud prevention service
CIFAS
www.cifas.org.uk

For general information on buying and selling, buy-to-let and equity release
Council of Mortgage Lenders (CML)
www.cml.org.uk
Tel – 020 7438 8956

Consumer Credit Counselling Service
www.cccs.co.uk
Mortgage arrears helpline – 0800 975 9558

Information about product providers and other sources who provide ethical investments
Ethical Investment Research Service (EIRIS)
www.eiris.org
Tel – 020 7840 5700

Offers support to individuals and families who are finding it difficult to meet their mortgage or rental payments
Housing Debt Helpline Wales
www.housing-debt-helpline-wales.org
Tel – 0800 107 1340

For general information on all pensions
The Pensions Advisory Service
www.pensionsadvisoryservice.org.uk
Tel – 0845 601 2923
Women & pensions helpline – 0845 600 0806

For details and booklets on State pensions
The Pension Service
www.thepensionservice.gov.uk
Tel – 0845 606 0265
Minicom/textphone – 0845 606 0285
Booklet order line – 0845 731 3233
Minicom/textphone order line – 0845 604 0210

For a Pension Credit booklet
The Pension Service
www.thepensionservice.gov.uk
Tel – 0800 99 1234
Textphone – 0800 169 0133

To trace a lost pension
Pension Tracing Service
www.thepensionservice.gov.uk
Tel – 0845 600 2537
Textphone – 0845 300 0169 (open Mon-Fri 9-5)

To get a State Pension forecast
The State Pension Forecasting Team
www.thepensionservice.gov.uk/state-pension/forecast
Tel – 0845 300 0168
Textphone – 0845 300 0169 (open Mon-Fri 8-8 and Sat 9-1)

For information about contracting out of the additional State pension
HM Revenue & Customs
www.hmrc.gov.uk/faqs/nicqcoeg.htm
Contracted out helpline – 0845 915 0150

Information for scheme members, trustees and employers
The Pensions Regulator
www.thepensionsregulator.gov.uk
Tel – 0870 606 3636

Compensation fund for members of occupational salary-related pensions schemes
Pension Protection Fund
www.pensionprotectionfund.org.uk
Tel – 0845 603 7224
Minicom – 0845 6099899

Compensation fund for members of occupational salary-related pension schemes that wound up between Jan 1997 and April 2005
Financial Assistance Scheme
www.dwp.gov.uk/lifeevent/penret/penreform/fas/
Tel – 0845 601 9941

Pensions complaints resolution
The Pensions Ombudsman
www.pensions-ombudsman.org.uk
Tel – 020 7834 9144

Information about product providers and other sources who provide ethical investments
Ethical Investment Research Service (EIRIS)
www.eiris.org
Tel – 020 7840 5700

Find a credit union

ACE Credit Union Services
www.acecus.org
Tel – 0191 244 4061

Association of British Credit Unions Ltd (ABCUL)
www.abcul.coop
Tel – 0161 832 3694

Scottish League of Credit Unions
www.scottishcu.org
Tel – 0141 774 5020

UKCreditUnions Ltd
www.ukcu.co.uk
Tel – 01706 215 082

For a copy of the Banking Code
Banking Code Standards Board
www.bankingcode.org.uk
Tel – 0845 230 9694

For tips to stay safe online
Banksafe online
www.banksafeoneline.org.uk

For general leaflets on opening and managing a bank account
British Bankers' Association (BBA)
www.bba.org.uk
Tel – 020 7216 8800

For general information about building societies
Building Societies Association (BSA)
www.bsa.org.uk
Tel – 020 7520 5900

For information or questions about the tax rules for ISAs
HM Revenue & Customs
www.hmrc.gov.uk/isa/welcome.htm
ISA helpline – 0845 604 1701

For details of savings and investments backed by the government
National Savings & Investments (NS&I)
www.nsandi.com
Tel – 0845 964 5000

Information about product providers and other sources who provide ethical investments
Ethical Investment Research Service (EIRIS)
www.eiris.org
Tel – 020 7840 5700

To find lost accounts
My Lost Account
www.mylostaccount.org.uk

Compare gas and electricity costs using sites that are accredited with Energywatch’s Confidence Code – a voluntary code of practice
Consumer Focus
How to change supplier
Price comparison services

General information
Directgov
www.direct.gov.uk

Online CAB service
CAB Adviceguide
www.adviceguide.org.uk

Help for people on low incomes to understand the bits of the tax system that apply to them
Taxaid
www.taxaid.org.uk