Warning: Late repayment can cause you serious money problems. For help moneyhelper.org.uk | Representative APR 89.9%
Warning: Late repayment can cause you serious money problems. For help moneyhelper.org.uk

Debt Advice & Financial Support

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If you’re experiencing financial difficulties it’s important you take action. We understand that at times it may be difficult to keep up with repayments and things can get on top of you.  In these circumstances, it’s important to get in touch with your lender as soon as possible as things may get worse if they’re not dealt with quickly.

Independent Debt Advice

In some circumstances, you may wish to seek independent debt advice from not-for-profit debt-counselling organisation such as where you have several creditors or want confidential advice and help.

You may find the information below to help you decide who you may need to speak to:

Money Helper

For free, unbiased and easy-to-access money tools, information and advice, visit www.moneyhelper.org.uk or phone 0800 138 7777 to speak to a Money Adviser

Money Advice Scotland

If you live in Scotland, phone 0141 572 0237 or visit www.moneyadvicescotland.org.uk to find contact details or debt advice in your local area

Citizens Advice Northern Ireland

If you live in Northern Ireland, phone 0800 028 1881, email [email protected] or visit www.citizensadvice.co.uk for debt advice

AdviceUK

Member centres offer debt advice including specialist advice for minority communities and people with disabilities – www.adviceuk.org.uk or phone 0300 777 0107

Christians Against Poverty (CAP)

For free debt advice in your home, check postcode coverage at www.capuk.org then call 0800 328 0006

Citizens Advice

For advice and information on debt and other topics, visit your local Citizens Advice (address in the phone book) or go to www.citizensadvice.org.uk
National Debtline

If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.org for debt advice and information

StepChange Debt Charity

For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org

Other useful organisations

Civil Legal Advice

You may get legal aid if your home is at risk. Check at www.gov.uk/civil-legal-advice or phone 0345 345 4345

Debt Advice & Financial Support FAQ's

  • We take pride in helping customers in financial difficulties, so if you’re concerned about keeping up with your repayments, please get in contact with your lender and they will do their best to help. To understand a true reflection of your current situation, they may ask you to complete an Income & Expenditure form. they can then agree on a suitable solution such as a repayment plan which can help spread your outstanding balance over a longer term.

  • The I&E form will help your lender understand your circumstances better by taking into consideration your income, outgoing and payments to other creditors.  This will allow them to see what’s leftover (after bills all are paid) to make sure the agreed solution is manageable and fits your circumstances. They would also encourage you to speak to other creditors and reach a suitable arrangement.