{"id":31806,"date":"2017-08-24T13:03:50","date_gmt":"2017-08-24T12:03:50","guid":{"rendered":"https:\/\/cawatford.org.uk\/internal\/?page_id=31806"},"modified":"2022-05-14T15:30:40","modified_gmt":"2022-05-14T14:30:40","slug":"debt-money","status":"publish","type":"page","link":"https:\/\/cawatford.org.uk\/internal\/get-advice\/debt-money\/","title":{"rendered":"Debt & Money"},"content":{"rendered":"

[vc_row gap=”25″ equal_height=”yes” el_position=”first” css=”.vc_custom_1488801559673{margin-bottom: 1em !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}” el_class=”box-advice”][vc_column width=”1\/3″ el_class=”link-clone”][vc_single_image image=”31669″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Debt Homepage” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.citizensadvice.org.uk%2Fdebt-and-money%2F||target:%20_blank”][vc_column_text]This page links to information you need to help to deal with your debt problems, how to avoid losing your home and how to get your finances back into shape.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″ el_class=”link-clone”][vc_single_image image=”31814″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”National Debtline” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.nationaldebtline.org%2FEW%2Finformation%2FPages%2Fdefault.aspx||target:%20_blank”][vc_column_text]National Debtline is a free debt advice charity, their website and helpline provide advice on a full range of debt issues, including: budgeting, prioritising debts, bailiffs and debt solutions.<\/p>\n

T:<\/strong> 0808 808 4000<\/p>\n

Mon-Fri 9am-8pm & Sat 9:30am-1pm<\/p>\n

Calls are free from landlines and most mobile networks.<\/p>\n

Webchat is also available.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″ el_class=”link-clone”][vc_single_image image=”31820″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Step Change” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.stepchange.org%2FHowwecanhelpyou.aspx||target:%20_blank”][vc_column_text]Step Change is a debt charity offering free Debt Management Plans. They can help you make payment offers to creditors and administer those payments for you.<\/p>\n

They can also help with other debt solutions.<\/p>\n

T:<\/strong> 0800 138 1111<\/p>\n

Mon-Fri 8am-8pm & Sat 8am-4pm<\/p>\n

Calls are free from landlines and most mobile networks.<\/p>\n

Webchat is also available.[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=”25″ equal_height=”yes” el_position=”first” css=”.vc_custom_1488801559673{margin-bottom: 1em !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}” el_class=”box-advice”][vc_column width=”1\/3″ el_class=”link-clone”][vc_single_image image=”31815″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Payplan” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.payplan.com%2Fdebtadvice||target:%20_blank|”][vc_column_text]Payplan is a debt charity offering free Debt Management Plans. They can help you make payment offers to creditors and administer those payments for you. Payplan can be of particular help to self-employed people whose income may be seasonal.<\/p>\n

They can also help with other debt solutions including Debt Relief Orders and IVAs.<\/p>\n

T:<\/strong> 0800 280 2816<\/p>\n

Mon-Fri 8am\u20138pm, Sat 9am\u20133pm<\/p>\n

Calls are free from landlines and mobiles[\/vc_column_text][\/vc_column][vc_column width=”1\/3″ el_class=”link-clone”][vc_single_image image=”31817″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Business Debtline” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:http%3A%2F%2Fwww.businessdebtline.org||target:%20_blank”][vc_column_text]Business Debtline are a free debt advice service for the self-employed and small businesses. Their website includes guides, fact sheets, budgeting tools and sample letters to help you write to your creditors.<\/p>\n

You can also get debt advice by using our webchat service or by calling helpline.<\/p>\n

T:<\/strong> 0800 197 6026<\/p>\n

Mon-Fri 9am-5:30pm<\/p>\n

Calls are free from landlines and most mobile networks.<\/p>\n

Webchat is also available.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″ el_class=”link-clone”][vc_single_image image=”31792″ img_size=”large” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Court claims, debt and bankruptcy” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.gov.uk%2Fbrowse%2Ftax%2Fcourt-claims-debt-bankruptcy%2F||target:%20_blank”][vc_column_text]Information about bankruptcy, County Court Judgements, claims against insolvent companies.[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=”25″ equal_height=”yes” el_position=”first” css=”.vc_custom_1488801559673{margin-bottom: 1em !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}” el_class=”box-advice”][vc_column width=”1\/4″ el_class=”link-clone”][vc_single_image image=”31669″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Prioritising Debts” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.citizensadvice.org.uk%2Fdebt-and-money%2Fhelp-with-debt%2Fget-help-with-your-debts%2Fget-help-with-your-debts%2Fcheck-which-of-your-debts-are-priority-debts%2F||target:%20_blank”][vc_column_text]When you have more than one debt, you must make sure you\u2019re dealing with the most important ones first.<\/p>\n

This tool shows you which of your debts is a priority debt.[\/vc_column_text][\/vc_column][vc_column width=”1\/4″ el_class=”link-clone”][vc_single_image image=”31814″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Factsheets” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.nationaldebtline.org%2FEW%2Finformation%2Ffact%2520sheet%2520library%2FPages%2Fdefault.aspx||target:%20_blank”][vc_column_text]A wide range of factsheets and guides to help you deal with debt and money issues.[\/vc_column_text][\/vc_column][vc_column width=”1\/4″ el_class=”link-clone”][vc_single_image image=”31814″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Sample Letters” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.nationaldebtline.org%2FEW%2Fsampleletters%2FPages%2Fdefault.aspx||target:%20_blank”][vc_column_text]A range of sample letters to creditors including asking to hold action, making offers, asking for information and making complaints.[\/vc_column_text][\/vc_column][vc_column width=”1\/4″ el_class=”link-clone”][vc_single_image image=”34684″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Money Helper” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.moneyhelper.org.uk%2Fen|target:_blank”][vc_column_text]MoneyHelper is a free service provided by the Money and Pensions Service[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=”25″ equal_height=”yes” el_position=”first” css=”.vc_custom_1488801559673{margin-bottom: 1em !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}” el_class=”box-advice”][vc_column width=”1\/2″ el_class=”link-clone”][vc_single_image image=”32383″ img_size=”medium” alignment=”center” onclick=”custom_link”][vc_btn title=”Financial Ombudsman Service” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:http%3A%2F%2Fwww.financial-ombudsman.org.uk%2Fconsumer%2Fcomplaints.htm||target:%20_blank”][vc_column_text]The Financial Ombudsman Service is the UK\u2019s official expert in sorting out problems with financial services.<\/p>\n

This page tells you how to complain to the Ombudsman about a business providing financial\u00a0services. You must have already made a complaint to the business before you can make a complaint to the Financial Ombudsman.[\/vc_column_text][\/vc_column][vc_column width=”1\/2″ el_class=”link-clone”][vc_single_image image=”32376″ img_size=”medium” alignment=”center” onclick=”custom_link” img_link_target=”_blank”][vc_btn title=”Direct Debit” style=”flat” shape=”square” size=”sm” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.directdebit.co.uk%2FPages%2FHome.aspx||target:%20_blank|”][vc_column_text]Information about Direct Debit;\u00a0the benefits, how to set up and how to cancel a Direct Debit and how you are protected by the Direct Debit Guarantee.<\/p>\n

Includes template letters to use with\u00a0your bank and the organisation with which you have a Direct Debit.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

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