For Money Management & Debt - Advice on spending e.g. on insurance, mortgages, broadband, train fares, gym costs and others. - The Consumer Credit Counselling Service: counselling on personal budgeting, advice on use of credit, managing debt repayment. - Citizens Advice Bureau offers free advice on legal matters and debt counselling. - Help with childcare costs. - Anybody experiencing problems of debt and in need of advice can contact Luton Rights for their FREE & STRICTLY CONFIDENTIAL service. - The online CAB service that provides independent advice on your rights. - People across the UK are missing out on benefits and tax credits worth more than £5 billion a year. Entitledto can help make sure you get what is yours. - The helpline that provides FREE CONFIDENTIAL and INDEPENDENT ADVICE on how to deal with debt problems. - The OFT is responsible for making markets work well for consumers. We achieve this by promoting and protecting consumer interests throughout the UK, while ensuring that businesses are fair and competitive. - Financial Services Authority - an independent body that regulates the financial services industry in the UK. - Making sense of the law and your rights. - Equifax is a credit reference agency committed to providing you with access to the information that lenders will see when you apply for credit - instantly and securely. - Experian provides consumers, businesses and the public sector with information and analysis to help them make important decisions. We help you understand and manage your credit information. - Callcredit is the UK's most innovative, state of the art consumer credit reference agency with an extensive range of information and value added services for businesses and individuals. - CIFAS is the UK’s Fraud Prevention Service with 270 Members spread across banking, credit cards, asset finance, retail credit, mail order, insurance, savings and investments, telecommunications, factoring, and share dealing.  - adviceUK is the largest UK network of advice-providing organisations. Please note that we do not give advice ourselves. - public services all in one place. - The Department for Work and Pensions (DWP) is here to promote opportunity and independence for all, help individuals achieve their potential through employment and work to end poverty in all its forms. - Disability Living Allowance and Attendance Allowance are two of the most important social security benefits in the UK. This site provides comprehensive information about Disability Living Allowance and Attendance Allowance. - Homeless Link is the national membership organisation for frontline homelessness agencies in England. - This website offers free, confidential and independent legal advice for residents of England and Wales. - A charity formed in 1991 to increase the quality and availability of free, independent money advice to people with debt problems. - The Law Centres Federation is the voice of Law Centres®, which provide free independent legal advice and representation to the most disadvantaged members of society. - Citizens Advice collects evidence of CAB clients' problems and uses this to campaign for changes in policies and services. - The independent advice network. - Money Advice Scotland (MAS) was set up in 1989 courtesy of a grant from the Scottish Consumer Council as the umbrella organisation to represent individuals and agencies involved in all areas of money advice (debt advice).  - A money health check on the money advice service website. -for anyone going through a divorce, and want to see what others have gone through, people talk about their experiences – emotional and practical.  - Advicenow is an independent, not-for-profit Website, run by the charity Law for Life: the Foundation for Public Legal Education It provides accurate information on rights and the law.