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If your debt payments are affecting your ability to cover essential costs it would be worth speaking to a debt adviser.

We’ve teamed up with PayPlan who can help you deal with your debts so you can focus on your mental health, wellbeing and career. PayPlan offer free confidential debt advice and help over 100,000 people every year who are struggling with loans, credit cards and utility/mortgage/council tax arrears.

Speaking to PayPlan won’t affect your credit score. PayPlan will make sure they speak to you at the time and in the way that’s best for you. They tailor your advice to fit you and your circumstances.

Every year PayPlan help thousands of people who have had their finances impacted by ill health, separation, or other concerns. You aren’t alone with your money worries and PayPlan are here to support you. Visit the RCN Foundation portal on the PayPlan website to self-refer.

Key services available

You can check your estimated benefit entitlement online using a benefit calculator.

Citizen’s Advice have advice helplines. Calls are free from mobiles and landlines.

Adviceline (England):0800 144 8848

Adviceline (Wales): 0800 702 2020

Advice for Scotland: 0800 028 1456

Advice for Northern Ireland: 0800 915 4604

For help or advice about claiming Universal Credit contact the Help to Claim Service. They can guide you through the claim and discuss with you if you’d be eligible for an ‘Advance Payment’ if you need money quickly during the early stage of your claim.

Help to Claim England: 0800 144 8 444
Help to Claim Scotland: 0800 023 2581
Help to Claim Wales: 0800 0241 220

Universal Credit service centre Northern Ireland: 0800 012 1331