We know that circumstances can change, leaving people to struggle financially. Whatever your situation, we're here to help you however we can.
Budgeting and managing money top tips
Tracking the money you spend for a short period of time can be eye-opening. It will show how spending even small amounts of money add up over time, and reveal areas of spend that go unnoticed. You can find a helpful spending tracker on the Money Advice Service website.
Are you struggling to make payments?
Managing finances can seem overwhelming. If you’re starting to or have been struggling, we’re here to help so get in touch.
Don’t ignore the problem
If you’re starting to struggle financially, don’t wait for things to get out of control, contact your creditors early and let them know. We’re here to help you address the problem now.
Talk to us and other creditors
Get in touch with the company you owe money to as soon as possible if you’re worried about being able to make your repayments on time. It doesn’t matter if it’s your bank, a lender or your gas bill. They may be able to offer a solution such as a new payment arrangement or payment holiday.
Prioritise your debts
If you have multiple debts, it can be difficult to know which to pay off first. We believe you should make sure you can pay your priority bills first – for example your mortgage and utility bills. Once you have those sorted, then look at the remainder of your bills. It may be useful to get free advice from an independent third party such as the Money Advice Service, StepChange, or Citizens Advice.
Need to speak to someone? We're always here to help you. What you can expect when you call us.
Share your situation
Share in your own words what your individual circumstance are. Our team are highly experienced in helping people who find themselves in financial difficulty.
Work together to get a solution
By working with a member of our team we will be able to create an arrangement tailored to your current situation and which will be more affordable for you.
Let us know if your circumstances change again
We know things change, so if your circumstances become different for any reason just give us a call and we’ll work with you to adjust your arrangement so it’s right for your new situation.
Getting independent advice
If you’d prefer to speak to someone else, or have debts with multiple creditors, there are not-for-profit organisations that can help you with free independent financial advice: