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Managing your debt

The earlier you tackle debt, the better. But if it feels like it’s getting out of control, please get in touch - especially if you’re missing important payments.


How we can help manage your debts

Repayment holidays

Taking a break from a scheduled loan or mortgage payment can give you valuable breathing space. You’ll pay a bit more in the long term - so you need to discuss this.

Learn more about repayment holiday

Rethinking your debt

We can change how your debt is structured by moving it into a single, cheaper loan, for example. Or changing the way your payments are planned, to make it easier to afford.

Get in touch

Debt FAQ

You’re not alone - 1 in 6 people in the UK struggle with debt. Here are some answers to the questions that most people ask about debt.

Frequently asked questions


Talk to us

We can discuss repayment holidays, combining debts, and other debt management strategies.

03459 785 785, 8am to 8pm.

Or book to see us in branch.

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Ways to spend and save smarter 

Stay connected to your money

From money saving tools to chatting to us securely. The app can help stay on top of your money on the move.

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Your bills and subscriptions in one place

Connect your bank account to ApTap to see all your bills and subscriptions in one place and help you get a cheaper broadband deal.

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Useful resources 

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Support from Lightning Reach

You can get useful info about grants, schemes and other financial support from this independent charity.

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Check your benefits with StepChange

You can get free, impartial and confidential advice. StepChange is available to anyone struggling with debt.