Getting help outside Danske Bank

• MoneyHelper offers a guide on how to talk to your creditors, making these conversations less daunting. They provide tips on living with a tight budget, including ways to cut costs and increase your income. Their ‘Dealing with Debt’ section can be helpful.
• Advice NI's Debt Service provides free, personalised debt advice, budgeting tips, and solutions to help you manage your debt. They can negotiate with creditors on your behalf and give information about short-term support available in Northern Ireland.
• Advice UK is a network of independent advice centres in the UK. They offer support on issues including debt, money, benefits, employment, housing, and consumer rights.
• StepChange Debt Charity  gives free debt advice to people facing financial difficulties. They help manage debt, create budgets, and explore options like debt management plans, individual voluntary arrangements, and bankruptcy. Their goal is to help you regain control of your finances and become debt-free. They offer services online and by phone.
• Citizens Advice is a network of independent UK charities that provides free, confidential, and impartial advice. Their services include debt and money management, guidance on budgeting, and dealing with creditors.
• Debt Advice NI offers support and guidance in Northern Ireland for people facing financial difficulties. They help manage debt through structured repayment plans and budgeting strategies. They assist in communicating and negotiating with creditors for easier repayment agreements and provide information on debt solutions like debt consolidation, Individual Voluntary Arrangements (IVAs), and bankruptcy.
• The Consumer Council provides free, independent support and advice for consumers and businesses in Northern Ireland. They focus on saving money on household bills, personal finance, budgeting, and living costs, and they offer interactive tools to help you save money.
• Christians Against Poverty (CAP) provides free debt help and local community groups across the UK.
• UK Finance Dealing with Debt (PDF) : This leaflet provides helpful advice on how your bank and other organisations can support you navigating debt.
• Community Wellbeing  provides links to local services and resources like foodbanks, community fridges, and mental health and addiction support.
• Housing Rights NI  is a charity in Northern Ireland that provides advice and support on housing issues. They aim to prevent homelessness and ensure everyone has access to safe and affordable housing. They offer advice, support, and legal help.
• Northern Ireland Housing Executive (NIHE) provides advice on Housing Benefit, applying for a home, homelessness, and grants. NIHE works to ensure residents have access to safe, affordable, and suitable housing. They also support community development and address housing challenges across Northern Ireland.

You may be eligible for extra financial support from the government. You can check your eligibility using the NI Direct Benefits Calculator or by calling the ‘Make the Call ’ Helpline on 0800 232 1271. The support available depends on your income and circumstances.

Cost of living support : If you receive certain income-related benefits like Universal Credit, or if you are disabled or a pensioner, you might qualify for a one-off payment to help with rising living costs. Eligible individuals are paid automatically.

Finance Support Service : This service offers short-term financial help to people living in Northern Ireland. If you're facing a financial crisis, you can apply for Discretionary Support or a Short-Term Benefit Advance online.

• AWARE NI provides mental health support for people with depression and bipolar disorder. They offer face-to-face and online support groups. You can contact them by emailing info@aware-ni.org
• The Samaritans support anyone who is struggling or needs someone to listen without judgment. They help not only during crises but also teach coping skills and how to support others. You can reach them 24/7 on Freephone 116 123.
• Lifeline is Northern Ireland’s crisis helpline for those in distress. Their counsellors help with trauma, suicide, self-harm, abuse, depression, and anxiety. You can get immediate help on the phone. Call 0808 808 8000 or 18001 088 808 800 for Textphone users, available 24/7.

• GamCare provides free information, advice, and support for anyone affected by problem gambling.
• Dunlewey Addiction Services  offers confidential help for people aged 18 and over in Northern Ireland who are affected by gambling.
• Gamban  lets you control your online gambling by preventing access to gambling sites and apps run by companies licensed in Great Britain for a period you choose.
• GAMSTOP  lets you control your online gambling by preventing access to gambling sites and apps run by companies licensed in Great Britain for a period you choose.

• Age NI helps older people live well in later life. They offer friendship, advice, and support on topics like benefits and care homes.
• The RNIB is a leading UK charity for sight loss. They provide advice on benefits, support services, equality, and rights to make life easier for people with sight loss.
• Hourglass works to stop harm and abuse of older people, including financial abuse. This is when someone misuses an older person's money. You can call their 24/7 helpline at 0808 808 8141 or text 07860 052906 for free.
• RNID  supports people in the UK who are deaf or have hearing loss or tinnitus. They offer information and services like hearing checks, managing hearing loss, hearing aids, and local support services.