May not be suitable in all circumstances. Fees apply. Your credit rating may be affected.
Free debt counselling, debt adjusting and providing of credit information services is available to customers by contacting MoneyHelper.
Additional Support Services For Your Consideration
Harper McDermott have listed below some links to external organisations that we feel may help our customers who need additional support.
We recognise that whilst our services can help you with your debts, there are often other areas, sometimes closely related to your debt problems or even the root cause of your unaffordable debts, where you need further support that is beyond our expertise.
We hope you find this helpful and would encourage you, if you feel it is appropriate, to seek further help from these organisations.
Mental Health
Stress – Anxiety – Depression – Suicidal
The following links may be able to help you if you are struggling with your mental health
Breathing Space
Breathing Space is a confidential listening service for people over 16 experiencing low mood, depression, or anxiety.
See Me
For phone numbers & email addresses, check the website – Monday-Friday. 9am-5pm.
SHOUT
24/7 Mental health support via text message. Text ‘SHOUT’ TO 85258.
Samaritans
Samaritans is an organisation for people struggling with depression and suicidal thoughts. Call 0845 790 9090.
Mental Health Foundation
The Mental Health Foundation has a range of content designed to give you more information about mental health generally, and to help you to look after your own mental health.
SAMH
SAMH is Scotland’s national mental health charity. They work with adults and young people providing mental-health social-care support.
Gambling Addictions
The following links may be able to help you if you are struggling with a gambling addiction.
MoneyHelper Problem Gambling Guide
MoneyHelper guide for finding help and support with tackling Problem Gambling.
GAMSTOP
GAMSTOP is a free service that lets you put controls in place to help restrict your online gambling activities.
Gamblers Anonymous Scotland
24H Helpline – 0370 050 8881. For men and women to share their experience, strength and hope with each other.
PTSD
The following links may be able to provide help and support if you are struggling with PTSD.
PTSD UK
PTSD UK is the only charity in the UK dedicated to raising awareness of post-traumatic stress disorder.
See Me
See Me is Scotland’s national programme to end mental health stigma and discrimination.
Health Conditions
The following organisations may be able to provide help and support for the respective conditions.
Chest Heart & Stroke Scotland
Scotland’s largest health charity working to help people with chest, heart and stroke conditions. Advice Line – 0808 801 0899.
British Heart Foundation
Being diagnosed, or living with a heart or circulatory condition can be overwhelming. Call Monday to Friday, 9am to 5pm – 0300 330 3322
Macmillan Cancer Support
7 days a week 8am – 8pm. Call – 0808 808 0000.
Alzheimer Scotland
Dementia 24hr Helpline. Call – 0808 808 3000.
Diabetes UK
For diabetes information, or just someone to talk to, call – 0141 212 8710, Monday to Friday, 9am to 6pm.
Age UK
If you have arthritis, there’s support available and things you can do to help make life easier. You can call the advice line on 0800 678 1602 between the hours of 8am – 7pm.
Alcohol, Drug & Substance Misuse
The following links may be able to provide help and support to those struggling, or who have previously struggled with, with alcohol or substance misuse.
Alcoholics Anonymous
AA hold face-to-face group meetings across the UK where people with an issue with alcohol support one another, as well as hosting online chat. You can also call 0800 9177 650.
Al-Anon
Al-Anon hold physical meetings for people affected by someone else’s alcohol use, and also provide a telephone advice service. Phone: 0207 403 0888 (10am – 10pm, 365 days a year).
DrinkAware
You can speak to trained professionals from the national alcohol support helpline, Drinkline on 0300 123 1110 (Weekdays 9am–8pm, Weekends 11am–4pm) or you can have a web chat with someone at Drinkchat between 9am-2pm on weekdays.
Talk to Frank
Talk to Frank offers confidential and anonymous help by phone, text (SMS), email, and live chat. Call 0300 123 6600, Text 82111 (24/7, 365 Days Per Year) or use LiveChat 2-6pm Monday-Friday.
Narcotics Anonymous
NA hold face-to-face group meetings across the UK where people with addiction issues support one another, as well as hosting regular online meetings. Call 0300 999 1212 (10am-midnight, 365 days a year).
Homeless & Housing
The following links may be able to help with those facing homelessness or housing difficulties.
Shelter Scotland
Advice, support & legal service to people struggling with poor housing and homelessness. Call 0808 800 4444.
Citizens Advice Scotland
Free, independent, confidential and impartial financial advice. Call 0800 028 1456.
Homeless Project Scotland
Glasgow based homeless charity. Call their Emergency Line on 0800 999 2477.
Simon Scotland
Simon Community Scotland provide information, advice, care, support, accommodation & homes to people experiencing, or at risk of, homelessness.
Domestic Abuse
The following organisations may be able to provide support and help to those suffering from domestic abuse or violence.
Scottish Women’s Aid
Women’s Aid’s Scottish Domestic Abuse & Forced marriage helpline – Call 0800 027 1234.
Abused Men in Scotland
AMIS is Scotland’s leading charity and helpline for male domestic abuse. Call 03300 949 395.
Bereavement
The following links may be able to help if you are struggling after the death of a loved one.
Cruse Scotland Bereavement Support
For bereavement support in Scotland, Call 0808 802 6161.
Scottish Government Bereavement Support
The Scottish Government Bereavement Support page has links to NHS Inform information on coping with grief, including counselling and therapy options.
NHS UK
The NHS UK website offers a good range of information and advice and links to external firms including Cruse Bereavement Care.
Marie Curie Bereavement Support
Marie Curie has a range of resources on coping with grief and helpful signposting to where you can get additional support if you feel this approach would be of benefit to you.
General Wellbeing
The following links may be able to help with general wellbeing and an overall improved mental health.
Headspace App
The Headspace App delivers tools and resources to help look after your mind, with a focus on meditation, a technique that involves training your mind in awareness and achieving a healthy sense of perspective.
CALM App
CALM aims to help users to get more restful sleep and wake up feeling refreshed. There’s exclusive music to help you focus, relax and sleep, and video lessons on mindful movement and gentle stretching.
The NHS
A range of helpful resources are available, including mood self-assessment tools, mental wellbeing and audio guides.
Togetherall
This anonymous, clinically managed community provides peer-to-peer mental-health support with 24 hour, 365-day access.
Bupa Feel Blog
Here you’ll find a wealth of free reliable information to help you in both your personal and professional life.
Physical Health
The following links may be able to help improve with physical health such as exercise and nutrition.
NHS – Live Well
The NHS Live Well website gives advice, tips and tools to help you make the best choices about your health and wellbeing.
BBC Good Food
BBC Good Food is all about good recipes and quality home cooking that everyone can enjoy. There’s help here to improve your cookery skills or expand your kitchen know-how.
Couch to 5k
The programme is designed for beginners to gradually build up their running ability so they can eventually run 5km without stopping and includes a range of resources including podcasts.
Family Support
The following links may be able to provide support and guidance to families or parents who are in need of some additional help or advice.
Children 1st
Every family needs a helping hand sometimes. From moments of crisis to everyday challenges, Parentline can help.
Young Minds Charity
Young Minds are the UK’s leading charity fighting for children and young people’s mental health.
My Tutor
Today one in five teens has a diagnosable mental health condition. See this teen mental health guide for parents here.
Money Advice
The following links may be able to help those struggling with unaffordable bills and debt. They may also be able to help provide some additional advice on how to become more financially healthy in the current economic climate.
Citizens Advice Scotland
Citizens Advice Scotland gives free, confidential information and advice to assist individuals with money, legal, consumer and other problems.
The Money and Pensions Service
The Money and Pensions Service’s main objective is to develop and co-ordinate a national strategy to improve people’s financial capabilities.
Money Saving Expert
Tips on saving money, shopping, special offers, mortgages, council tax, interest-rate payments and more.
MoneyHelper
MoneyHelper is a government organisation that joins up money and pensions guidance to make it quicker and easier to find the right help.
Entitled To Calculator
Check what benefits you might be able to claim with this free benefits calculator. Enter your details and receive an estimate of your entitlement to benefits.
Council Tax Reduction Tool
Find out whether you are exempt from having to pay council tax or you are eligible for a discount or reduction in your bill.