Help with Debt
Where can I get help?
It is important to address your money problems early. Letting things get out of hand makes it harder to put everything right.
Arrange to meet with a money adviser. Contacting a debt adviser through your bank if you have multiple debts may not be the best option. It is best to seek independent advice. They will be happy to review your finances and see if there is anything you can do to manage your money better. For example, an adviser may suggest you open a separate account at the bank for all of your monthly/weekly standing orders and other payments that you make.
Also contact the organisations that you are having difficulty paying. This maybe utility companies such as water, electricity or gas. Each of these companies will have payment plans that you can do to help you spread the cost of paying bills. Credit card companies may also be able to help you if you can't make the minimum monthly payment.
There are also a number of agencies and advice centres offering help for young people with money problems.
Organisations
National Debtline
National Debtline is a national telephone helpline for people with debt problems in England, Wales and Scotland.
They give expert advice over the telephone and send callers in debt a self-help information pack free of charge. The service is free, confidential and independent.
Telephone: 0808 808 4000
Address: Tricorn House, 51-53 Hagley Road, Edgbaston, Birmingham, B16 8TP
Fax: 0121 410 6230
Website: http://www.nationaldebtline.co.uk/
Opening Hours: Monday and Thursday 10am-4pm Tuesday and Wednesday 10am-7pm Friday 10am-12noon
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