It is important if you find yourself in financial difficulties you let us know as soon as possible. We will be sympathetic and positive and we will do all we can to help you overcome your difficulties.
The sooner we discuss your problems, the easier it will be to find a solution. The more you tell us about your full financial circumstances, the more we may be able to help.
Practical steps you can take to help resolve your debt problems
Don’t ignore post from people whom you owe money to
Let us know and ask how we can help
Detailing your income and expenditure and how much you owe
Cut down on non-essential spending and claim any benefits or tax relief for which you may be eligible
If we accept your offer, make sure you stick to it
Keep us posted of any changes
Support and advice is available to help you deal with your circumstances
A free money advice service should be able to help you agree repayment plans with creditors
You may want to talk to your family, friends or support agencies who may be able to help. Many people find it helpful to get advice from a specialist debt counsellor (usually called a money adviser). You can get free, independent money advice from any of the following: