Financial support

We know that circumstances can change and these can lead to financial difficulties. With rising interest rates and the increased cost of living, this may be a difficult time for some borrowers.

Some of the warning signs (not an exhaustive list) could be:

• Your current account is nearly always overdrawn

• You can only pay the minimum payment on your credit cards each month

• You have received unpaid bill reminders from one of your utility suppliers

• You have been refused credit for a new loan or credit card

• You have had to make a large, unexpected payment e.g. large tax bill, car or house repairs

Independent advice (personal finances)

We are here to help you find the right solution to help get you out of the financial difficulty, and we understand it can be difficult to talk about these issues; therefore, you may want to seek independent advice.

The following non-profit organisations may be able to help you. We will work with them too, if you would like us to.

• gives free debt advice by phone and online to people across the UK.

• is a registered charity offering free, confidential advice and support to anyone who is worried about debt. Their free counselling and debt advice can help you get back in control of your money and move forward with your life.

• The was set up by the UK government and offers free and impartial money advice. It can provide information to help you decide the best way to take things forward and keep your payments on track. It also suggests organisations that provide debt management services or providers who can help you keep on top of your money.

• provides free, confidential, impartial information and advice on a wide range of debt and benefits issues face to face. Check your local phone book or Yellow Pages for your nearest Citizens Advice.

Independent advice (business owners)

If you are a business owner, you can reach out to on 0800 197 6026, or visit their website to find the right debt solution for you and your business.

Information you can gather to help your conversations

Before talking to an independent organisation or us, it is worthwhile gathering some information to help with the conversation. Information that could help:

• Details of money coming in: any regular income, benefits or tax credits you receive.

• Details of money going out: details about your regular household expenses and any other direct debits and standing orders.

• Details of any other money owed: information about any other money that you owe and who it is owed to.

Related links for more information

• (includes details relating to Power of Attorney, Assisting someone with their account)