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Sources of free and independent advice

Sources of free and independent advice

Help with understanding and managing Priority and Non Priority Debts

Your mortgage is a Priority Debt and it is important that you understand what this means when making decisions about your mortgage payments and any other debts, arrears and outgoings you have.

Citizens Advice has produced a helpful guide to understanding and managing Priority and Non Priority Debt.

MoneyHelper has provided guidance on the debts you should pay as a priority.

Once you have prioritised your debts, you can work out a budget to understand how much money you will have available going forward to pay your commitments. You might wish to use a tool such as the MoneyHelper Online Budget Tool or a tool provided by a debt adviser to help you do this.

StepChange Debt Charity
We are working with the UK’s leading debt charity, StepChange, to ensure our customers can access help with money worries when they need it.  Whether you need help with budgeting, debt advice or help with recovery after a financial shock, StepChange can support you.  At Hinckley & Rugby, we have seen first-hand the impact the pandemic has had on people’s finances so have partnered with the charity, which has over 25 years’ experience in debt management, to provide additional support and advice tailored to you.  This service is completely free and we encourage you to get help if you need it by visiting StepChange’s website.

Other sources of useful information and links to organisations which can offer you free, confidential and independent advice

If you are finding it hard to keep up with mortgage  payments, or if you are already having trouble managing your debts, you should seek free help and advice. Your rights and options depend on the type of agreement you have, and the law can be complex. However, you can get free independent help and advice from a number of organisations.

MoneyHelper: For free, easy-to-use money tools, information and advice. You can also phone 0800 138 7777 to speak to a money expert, use typetalk at 18001 0800 915 4622, or add +44 7701 342744 to your WhatsApp to send a message.

Citizens Advice: For advice and information on debt and other topics.

AdviceUK: Member centres offer debt advice including specialist advice for minority communities and people with disabilities.

Christians Against Poverty (CAP): For free debt advice. Check your postcode coverage on the website and then call 0800 328 0006.

National Debtline: If you live in England, Wales or Scotland visit the website or phone 0808 808 4000 for debt advice and information.

StepChange Debt Charity: For free debt advice throughout the UK visit the website or phone 0800 138 1111.

Money Advice Scotland: If you live in Scotland, visit the website where you can use webchat to speak to an adviser, or email webchat@moneyadvicescotland.org.uk.

Citizens Advice Scotland: For advice and information on debt and other topics, contact your local Citizens Advice by visiting the website or calling the Helpline on 0800 028 1456.

Advice NI: If you live in Northern Ireland, phone 0800 028 1881, email debt@adviceni.net or visit the website.

Citizens Advice Wales: If you live in Wales, you can visit the website or call Advicelink on 03444 77 20 20 if you want to speak to someone about your debts. Calls cost the same as calls to landline numbers.

Business Debtline: If you are self-employed or a small business owner, phone 0800 197 6026 or visit the website for debt advice and information.

Other Useful Organisations

Civil Legal Advice

You might be able to get free and confidential advice from Civil Legal Advice (CLA) as part of legal aid if you’re in England or Wales. You can check this here or phone 0845 345 4345.

Financial Ombudsman Service

If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help. Phone 0300 123 9123 or 0800 023 4567 or visit the website.