{
  "generated": "2026-10-31",
  "note": "Free, confidential debt advice is available from these organisations. They will never charge you, and talking to them early gives you the most options.",
  "organisations": [
    {
      "name": "MoneyHelper",
      "url": "https://www.moneyhelper.org.uk/",
      "phone": "0800 011 3797",
      "what": "free, government-backed money guidance, Monday to Friday 9am to 5pm"
    },
    {
      "name": "StepChange Debt Charity",
      "url": "https://www.stepchange.org/",
      "phone": "0800 138 1111",
      "what": "free debt advice, Monday to Friday 8am to 8pm and Saturday 9am to 2pm"
    },
    {
      "name": "National Debtline",
      "url": "https://nationaldebtline.org/",
      "phone": "0808 808 4000",
      "what": "free, confidential debt advice, Monday to Friday 9am to 8pm and Saturday 9:30am to 1pm"
    },
    {
      "name": "Citizens Advice debt helpline",
      "url": "https://www.citizensadvice.org.uk/",
      "phone": "0800 240 4420",
      "what": "free advice on debt and benefits, Monday to Friday 9am to 8pm and Saturday 9.30am to 1pm"
    },
    {
      "name": "Samaritans",
      "url": "https://www.samaritans.org/",
      "phone": "116 123",
      "what": "free, any time, day or night, if things feel overwhelming"
    }
  ],
  "piggybank_customers": "https://www.piggybankloans.co.uk/support"
}