Debt help

You may be finding it difficult to pay your bills or keep up with your loan repayments.  Don’t just ignore it, it is always best to talk to the people you owe money to before your situation spirals out of control.  Take a look at this video from the Money Advice Service:

Taking control

The National Debtline has a very useful tool to help you take control of your debts by following four easy steps:

Step 1: Increasing your income

Step 2: Working out your personal budget

Step 3: Dealing with your priority debts

Step 4: Dealing with your non-priority debts

Debt options

There are a number of debt options available to help you clear your debts:

  • Offers of repayment
  • Offer in full and final settlement
  • Debt Management Plan
  • Administration order
  • Individual Voluntary Arrangement (IVA)
  • Debt Relief Order (DRO)
  • Bankruptcy

For debt advice we can:

  • Help you manage your money
  • Agree an arrears repayment plan
  • Talk through your options
  • Apply for grants to help you clear some debts
  • Refer you for debt advice if needed.

Free debt advice

There are various agencies we can refer you to for debt advice depending on your circumstances.

Face to face

Telephone or e-mail advice

Internet advice