Getting help with debt*

Image: Woman smiling holding a piggy bankFalling into debt can happen to anyone at any time. 

Debt can spiral out of control unless you take action. It can result in court judgements against you, repossessions and losing your home.

We'll do everything we can to support you in preventing this from happening and offer free guidance that can help you to reduce your debts*.

We can also refer you to a number of specialist advisers.

If you would like to talk to someone about your situation please get in touch using our online form.

Get in touch

image: Ken's storyKen's story: Financial support

Many of us worry about how we’re going to survive financially in our retirement years – but imagine trying to get by without any sort of pensions or benefits.

Our team are here to help you get the support you’re entitled to.

Here’s Ken’s moving story and how we were able to help him at a difficult moment of his life.

Read Ken's story

Additional help...

For more ways of saving money, visit our money saving tips page. There are also lots of other organisations you can talk to about your debt situation, including:

Image: Step Change logoStepChange Debt Charity
Offering free debt advice, the StepChange helpline is open Monday to Friday between 8am and 8pm as well as Saturday from 8am-4pm. For more information, please visit their website or call 0800 980 8270 (calls free from landline and mobile).

StepChange also offer:
  • 60-second debt test to quickly assess the scale of the problem
  • Debt Remedy, a self-help option that provides you with a personal action plan.
For more information about StepChange, watch these short videos:
  Introduction to Stepchange

  StepChange referal process

  StepChange debt solutions

Image: Citizens advice logo
Citizens Advice
If you want to speak to someone face-to-face, your local Citizens Advice service offers free, impartial confidential advice on a wide range of issues including debt.

 You can also find lots of useful information and advice from:  

* Optivo’s Money Guidance service helps residents to maximise their income through:
  • budgeting support
  • applying for eligible welfare benefit entitlements
  • and accessing internal and external grants
Our service does not provide consumer debt advice, which is an activity regulated by the Financial Conduct Authority. For consumer debt issues, we will signpost to a regulated debt advice provider.

How we can help:

We're passionate about helping our customers to save money. And there are a number of ways we can help, including offering support on:
  • The best way to budget
  • How to open a bank account
  • How to claim benefits and understand the welfare benefit reforms
  • Top tips to reduce the cost of your bills
  • Grants and schemes you may be eligible for.


Contact us today to find out how we can help - simply use the form below to get started.  You can also contact us in a number of other ways to find out more information about how we can help.

 Get in touch