Money worries

You may be dealing with something unexpected such as an injury or illness, a job loss or relationship breakdown, all of which may affect your ability to make payments. You may be impacted by the rising cost of living.

Whatever the reason is, we’re here to help. Don’t wait to miss a payment before you talk to us- just talking to us about your options won’t affect your credit score.

We understand that money worries can be difficult to discuss, which is why our staff are specifically trained to listen to and talk with you about your individual circumstances and tailor solutions that work for you.

You'll also find information here on a range of support and advice you can get for free from independent providers.

If you’re in financial difficulty it can impact both your mental and physical health and wellbeing. Taking a proactive approach to managing your money worries is always the best way forward. If you are facing any of the following situations, it might be time to think about getting some help:

• You're worried about money and paying back what you owe - your debts feel like a huge burden
• You're being contacted about unpaid bills and missed payments
• You're dealing with difficult circumstances which are making it harder for you to manage your money
• You're regularly spending more than you earn
• You're struggling to pay your mortgage, rent, utility bills, or minimum payments on your credit cards
• You can't manage your day to day spending without relying on your credit card or overdraft
• Your credit cards are at the maximum credit limit