We offer Free and Confidential Face to Face Debt Advice.

It is important to sort out payment of your Council Tax as soon as possible. If you have received reminders for your council tax bill but cannot afford to pay please contact one of our agencies and we can help you arrange an affordable repayment schedule with the Council.

If you have credit cards or store cards and you are struggling to afford your monthly repayments or these repayments are being taken automatically and not leaving you with enough money to live on, contact your nearest agency and we can help you renegotiate affordable payments or look at other options.

Paying your Rent and Mortgage are a priority and if you are falling behind with payments you should seek help immediately. One of our advisor’s can advise you of the options available.

Catalogue debts can be a priority if you are dependant on them for essential items such as household goods and clothes. If this is the case repayment should be prioritised and budgeted for. However you should arrange a repayment that is affordable and doesn’t cause you to go without other essential items.

If you are falling behind with payments for your electric, gas or water please contact your nearest agency immediately. Our advisors advise you on cheaper social tariffs or suppliers and may be able to help you gain a grant to pay for your debt or arrange an affordable repayment schedule.

If you need to borrow, there are better options available than doorstep lenders who often charge a very high interest rate. If you are struggling to get affordable credit consider a visit to the Credit Union instead, they have wide range of products available.

If you have been threatened with court action, received a claim form or hearing date, ensure you have responded and made an affordable offer of payment (if you accept that you owe the debt). If the court is aware of your circumstances they should agree to a repayment that is affordable for you. If you are unsure of what action to take, contact one of our agencies for advice.

Whatever your debts, if you are unsure of what do or where to turn please contact your nearest agency to arrange a face to face appointment. We can go through your situation with you and come up with a plan to deal with your debt problem.

If you have taken out a loan that is secured against your house or another possession and you are no longer able to make the payments please contact your nearest agency immediately and we will go through your options and may be able to act on your behalf. If you have a loan from a bank or other
lender and you are unable to make repayments the lender should reduce your payments to a level you can afford.

When your council tax account has been passed to a Bailiff company they will add charges to your council tax account for the action they take. However if they are unsuccessful in gaining entry (they cannot force entry and can only enter your home if you allow them in) they will eventually return the account the Council and these charges will be removed. However you should arrange re-payment with the council as soon as you can. Depending on your income they will accept as little as £3.30/week in repayments.