Financial Difficulties and Help

Need financial help?

Are you struggling financially? If you're finding that you're financially stretched and have difficulties meeting repayments, it can be daunting. But it's important not to bury your head in the sand and think that the problem will disappear. Unpaid bills can pile up and your debts can easily spiral out of control if you don't take action.

Contact us

If you don't think you'll be able to make your repayments to us, or have missed a payment already, please contact us as soon as possible. Our trained and friendly staff are here to help. They will complete an income and expenditure review and develop a plan with you, to help sort out your finances.

Speak to one of our friendly members of staff:
Call us on 0800 975 2088
8.00am - 6.00pm Monday to Friday
(excluding Bank holidays)

Further assistance

If you need more support, there are a number of non-profit debt-counselling organisations that can provide free and confidential help and advice, if you have problems with debt. They can give you practical advice and solutions, to help you get control of your debt. If a debt-counselling organisation is already helping you, we will work with them.

Step Change Debt Charity
The UK's leading debt advice service
0800 138 1111

They've designed a range of online tools to help people get free anonymous debt help 24 hours a day. These range from a 60-second debt test, to quickly assess the scale of the problem, to Debt Remedy, a full online debt advice and budgeting tool that provides a personal action plan to help people take their first steps out of debt.

Money Advice Service
0800 138 7777

Advice UK
0300 138 7777

Citizen's Advice
Please refer to the website for contact details for your area

National Debtline
0808 808 4000

Debt Advice NI
Debt advice for people living in Northern Ireland
0800 917 4607

Take action

Please don't delay taking any action if you do have debt issues.Debt can affect your credit rating and you may have problems getting a loan or mortgage in the future.