You do not have to wait, and you do not need an account. These people are ready to listen.
Samaritans
Free, any time of day or night
Shout
Free text support, if talking feels like too much
NHS 111
If you need medical help but it isn't an emergency
In an emergency
If you or someone else isn't safe
National Debtline
Free, confidential debt advice
StepChange
Free debt advice charity
Citizens Advice
Free help with money, benefits and housing
MoneyHelper
Free, impartial money guidance