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Money worries

We're here to help you when things get tough

Get in touch

Money worries

Get in touch

Call us on
0800 068 9816

Minicom
0845 366 6104

Lines open
Monday to Friday 8am-9pm,
Saturday 9am-5pm
Sunday closed
Bank holidays 10am-5pm (excluding Christmas Day & Boxing Day when closed)

When you call us we will take the time to understand your situation. We will talk through your income (including any Benefits you receive) and your expenditure (including all of your bills and outgoings). We will then talk to you about the options available to help you. Before you call us, we recommend that you have the following to hand so that you have the most effective experience:

- Your monthly income (including any benefits, overtime, bonuses)
- Your monthly household spending
- The amount you owe
- The number of organisations you owe money to

bills-on-table-in-home

Money worries

Dealing with your finances

Nearly everyone has some kind of debt - a mortgage, credit card, loan or an overdraft. But if you are struggling to pay your bills and make ends meet then you should get help quickly.

If you're concerned about your debt, it's important to address the issue as soon as possible.  That way, you can take positive action rather than just worrying about it and letting things get worse.

When to ask for help

Get in touch

We're here for you

Before you call

It makes your call to us far more effective if you have to hand some important information.

Including:

- Your monthly income (including any benefits, overtime, bonuses)
- Your monthly household spending
- The amount you owe
- The number of organisations you owe money to

You should be able to find most of this information on your bank statements or by reviewing your online banking account.

What to expect when you call

When you call us we will take the time to understand your situation. We will talk through your income (including any Benefits you receive) and your expenditure (including all of your bills and outgoings). We will then talk to you about the options available to help you. 

Get in touch

Money worries

Get in touch

Call us on
0800 068 9816

Minicom
0845 366 6104

Lines open
Monday to Friday 8am-9pm,
Saturday 9am-5pm
Sunday closed
Bank holidays 10am-5pm (excluding Christmas Day & Boxing Day when closed)

When you call us we will take the time to understand your situation. We will talk through your income (including any Benefits you receive) and your expenditure (including all of your bills and outgoings). We will then talk to you about the options available to help you. Before you call us, we recommend that you have the following to hand so that you have the most effective experience:

- Your monthly income (including any benefits, overtime, bonuses)
- Your monthly household spending
- The amount you owe
- The number of organisations you owe money to

hero-man-phone-serious

Money worries

Getting help with your debts

Don't ignore your debts, especially if you've missed payments as this can affect your credit rating and you could incur additional charges.  Talk to the people you owe money to, be honest and explain your situation. Most will be happy that you have contacted them and will work with you to create a repayment plan to suit you.

Avoid using a company that charges fees for help, as this will mean that it will take you longer to pay off your debts.

There are lots of organisations who offer free advice to help you get back on track, including the Money Advice Service and Citizens Advice.

you can also get advice tailored to your situation from StepChange Debt Charity by completing an online questionnaire on their website. This service is free, you don't have to give your name and it only takes around 20 minutes to complete. Try the StepChange Debt Remedy online advice tool.

Things to think about before you contact these organisations...

Money worries

Understanding your debt

If you are worrying about slipping into debt, then using our useful tools to help you to set up a manageble budget and gain a better understanding of your financial position could make you feel more in control.

When you've looked at your budget and you have a better understanding of your debt, you can see how much you can afford to pay off each month.

money-advice-service-logo

Money worries

Money Advice Service

The Money Advice Service, provides free impartial independent advice and information on how to manage your money better. Clicking on the links to the tools and guides below will take you to the Money Advice Service website where you will have access to all of their information.

Go to the Money Advice Service website

Money worries

Useful tools from the Money Advice Service

Using these useful tools from the Money Advice Service, you may be able to gain a better understanding of your finances, your debt and what you can afford to pay back.

Money worries

Frequently asked questions

Money worries

We're here to help you to stay in control

Take the next step, get in touch

Money worries

Get in touch

Call us on
0800 068 9816

Minicom
0845 366 6104

Lines open
Monday to Friday 8am-9pm,
Saturday 9am-5pm
Sunday closed
Bank holidays 10am-5pm (excluding Christmas Day & Boxing Day when closed)

When you call us we will take the time to understand your situation. We will talk through your income (including any Benefits you receive) and your expenditure (including all of your bills and outgoings). We will then talk to you about the options available to help you. Before you call us, we recommend that you have the following to hand so that you have the most effective experience:

- Your monthly income (including any benefits, overtime, bonuses)
- Your monthly household spending
- The amount you owe
- The number of organisations you owe money to

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