Useful links

I have added the following links because they will be relevant to people in debt.

Regulatory organisations

• Office of Fair Trading

  The OFT's missison is to make markets work well for consumers. Responsible for licensing debt advice companies under the consumer credit act.

• Insolvency Practitioners Association

  A recognised professional body for insolvency practitioners.

• R3 - Association of Business Recovery Professionals

  A professional association for insolvency, business recovery and turnaround specialists in the UK

• The Insolvency Service

  Administers bankruptcy and investigates the affair of bankrupts'

Charities

• StepChange debt management plan
• National Debtline
• Citizens Advice Bureau

Individual Voluntary Arrangements

• IVA.co.uk.

  One of the UK's leading sites on IVA's. Experts are resident in the forum to offer help and advice.

Money websites

• Bank accounts for bad credit

  Information on bank accounts for people with poor credit.

• Money Advice Service

  For individuals who need help managing their money.

• Money Saving Expert

  Martyn Lewis' money website.

Debt software

• Debtology

  An I-phone application that can be downloaded at I Tunes