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 * Benefits
   Universal Credit Find out how Universal Credit works and how to manage your
   payment
   Benefits if you have children Entitlements to help with the cost of pregnancy
   or bringing up children
   Benefits if you’re sick, disabled or a carer Understand what support is
   available for coping with ill health
   Benefits in later life You may be entitled for help with other costs on top
   of your State Pension
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   lost your job
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 * Everyday money
   Banking How to choose, use and manage bank accounts
   Budgeting How to budget, find the best deals and switch to save money
   Buying and running a car How to buy and finance a car, deal with problems
   with car finance, and cut running costs
   Credit and purchases Credit basics, applying for credit, credit ratings and
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   Becoming a parent Having a baby, returning to work, childcare costs
   Death and bereavement Wills, inheritance, sorting out estates
   Divorce and separation Sorting out money and homes, what if you have
   children, money after break ups
   Illness and disability Managing costs, extra financial support, help with
   work or study
   Long-term care Paying and getting funding, ways to pay, problems with care
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   Mortgage affordability calculator
   
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   support, coping with job loss
   Dealing with debt Bills, court fines, help with debts
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   Scams Spotting scams and what to do if you’re caught out
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 * Pensions & retirement
   Auto enrolment Introduction, how it works, all about contributions
   Building your retirement pot How much do you need, ways to build your pot,
   transferring and merging
   Pension basics Starting a pension, types of pension, understanding pensions
   Pension problems Complaints, financial help when retired, changes to schemes
   State Pension How it works, what you might get, National Insurance
   Taking your pension Ways to draw your pension, when can you retire, Pension
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   Investing How to invest, types of investing, buying and managing
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   Savings All Savings guidance
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 * Work
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   Work All Work guidance
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 * Welsh: 0800 138 0555
 * Typetalk: 18001 0800 915 4622
 * From overseas: +44 20 3553 2279

Hours
 * Mon – Fri:8.00am – 6.00pm
 * Sat, Sun and bank holidays:Closed

Calls from the UK are free. We’re committed to providing you with a quality
service, so calls may be recorded or monitored for training purposes and to help
us develop our services.

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Talk to us live for pensions guidance using web chat
Start webchat Hours
 * Mon – Fri:9.00am – 6.00pm
 * 
 * Sat, Sun and bank holidays:Closed

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Talk to us live for money guidance using webchat
Start webchat Hours
 * Mon – Fri:8.00am – 6.00pm
 * Sat:8.00am – 3.00pm
 * Sun and bank holidays:Closed

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Talk to us for pensions guidance using our web form
Open web form

We aim to respond within 5 working days

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Talk to us for money guidance using our web form
Open web form

We aim to respond within 2 working days

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Talk to us live for money guidance using WhatsApp
+44 77 0134 2744

Download app: WhatsApp

For help sorting out your debts or credit questions. For everything else please
contact us via Webchat or telephone.

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