Get money advice

Our money advisers provide free and impartial advice to anyone with problem debt.

How much debt is too much?

It really depends on your situation, how much you can repay, and how you feel about debt. Here are five key signs your debt is becoming a problem:

  1. You don't know how much you owe
  2. You're only paying the monthly minimum repayments
  3. You're paying bills late or sometimes going over your credit limit
  4. You're withdrawing cash from credit cards
  5. You're borrowing money to repay debts

Does this sound like you? You're not alone. Talk to one of our money advisers and you will soon be back in control of your debt again

What happens when you contact a money adviser?

Acknowledging the problem is the first step. When you ignore debt it can grow in the back of your mind until it seems huge. The good news is when you sit down and work out what you owe it's rarely as bad as it seems.

Initial enquiry

Your initial enquiry will be dealt with over the phone or as a drop in appointment. We will take some details about you, your financial situation, and the money you owe. We can often give advice over the phone and an appointment isn't necessary. If your situation is more complex we will invite you to attend an appointment. If you can't get out we can visit you at home or meet you somewhere local to you.

At your appointment

Please bring all the paperwork you can find to your initial appointment. Your money adviser will go over what you owe and will then talk you through the options to get out of debt. However bad the situation seems there is always something we can do.

Your money adviser will give you all the information you need to make a decision about what you would like to do. They will also give you this in writing so you can take time to think about it if you like.

Your money adviser can help you to do things like arrange a repayment plan or to apply for a debt arrangement scheme or bankruptcy.

We can't provide in court representation but if that's what you need we will refer you to someone who can help.

We can also help you to plan a budget that you can stick to moving forward so that you get out of debt and to help prevent you from getting back in to debt again in the future.

If you need to speak with someone regarding benefits and money advice, we will be happy to help.

Contact us


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