Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

Debt Advice Centre

Simply match the description that best fits your current circumstances, then click on the appropriate 'remedy' link.

Short Term Problems

Are you between jobs, suffering illness, or have you had unexpected bills or a large financial commitment to cover? The following may be symptoms:

  1. You are using credit cards more
  2. Your overdraft is heavily relied on
  3. You've got new credit cards, 'just in case'
  4. You are concerned, but not overly worried
  5. You have considered a "Payday Loan"
  6. You are thinking twice before you spend
Get Through Short Term Problems

Debt Indigestion

Is too much income taken up with credit card and loan repayments, and you have little money left over each month? Does the following sound all too familiar?

  1. You are coping, but only just
  2. You pay unexpected bills by borrowing more
  3. You actively switch card debt to 0% deals
  4. You pay minimum payments on your cards
  5. You think your next pay rise is the solution
  6. You try to avoid thinking about your debt
Debt Indigestion Remedies

Going Backwards

Is your income not enough to cover your monthly expenditure any more, so your overall debt is increasing slowly?

  1. You have consolidated debts already
  2. You can only make minimum payments
  3. You don't open your monthly statements
  4. You have been turned down for credit
  5. You're worried, and are starting to panic
  6. You avoid talking about money
  7. You run out of money well before payday
  8. You're losing sleep, drinking more or both
Start Moving Forward With Debt

Out of Control

Are you over-borrowed and struggling to pay your bills on time? Are your financial worries impacting on your quality of life?

  1. You're in arrears on your credit accounts
  2. You've been contacted by debt collectors
  3. You've been threatened with court action
  4. You can't keep your promises to pay
  5. Your relationships are affected
  6. You avoid opening any statements or bills
  7. You're worried, losing sleep and weight
  8. You're thinking of taking extreme actions
Get In Control