Are you struggling to meet your current financial commitments?

Are you having difficulties paying the bills?

Has a loss of income had an impact on you and your family?  

We provide free information and support on a wide range of debt-related issues and are authorised and regulated by the Financial Conduct Authority (FCA). Our specialist debt advisers can work with you to assess your current situation, look at your income and outgoings, and consider what to do next. Approximately half a million people across Scotland are not claiming the financial support they are entitled to. You don’t have to be one of them. We’re here to help.

How it works

INCOME

Together, we will evaluate your income, such as salary or benefits.

Then, we will offer solutions to maximise your income, helping to put you in a better financial position.

Benefits – You may be entitled to benefits that you are not claiming. We can complete a comprehensive benefit check with you to see if you could be receiving additional income you may be entitled to.

Grants & Financial Support – You may be entitled to government grants. Were you aware that you may be able to claim tax relief on items such as clothing, uniforms, and tools that you use for work?

These are just two sources of income that we can offer support for.

 

EXPENDITURE                                                                                             

It’s also important to evaluate your outgoings - necessary payments such as rent and mortgage, council tax, and other bills. We will look at key areas where savings can be made.

Council Tax – Are you a single person living alone, or with someone under 18 years of age? Did you know you may be entitled to a discount of up to 25% on your annual council tax bill?

Energy & Utilities – Did you know you can save by comparing energy providers and switching to a more cost-effective alternative? Were you aware that your energy supplier has an obligation to support you if you are struggling to pay for energy to heat your home?

These are just two of the many areas where savings can be made.

 

CURRENT CREDIT COMMITMENTS

High interest credit cards and loans can seem like they are taking forever to pay off. By only paying the minimum amount each month, it could take years, or even decades to clear the full balance.

We can look at the credit commitments that you currently have, and offer methods of reducing repayments, such as debt solutions which can write off portions of debt.

Our advisors are adept at negotiating with creditors to accept token payments if you are currently struggling. We can also negotiate alternatives, such as temporarily freezing interest charges or late fees.

 

WHAT’S LEFT?

It’s not all doom and gloom in situations where we are unable to afford monthly commitments. By assessing your situation, and understanding your remaining income, we can offer solutions to almost any financial predicament.

We can negotiate with creditors on your behalf or point you in the right direction if you want to do this yourself.

 

Our team of specialist debt advisors are on hand to help you through any situation. You’re not alone.

The first step is picking up the phone and calling us on 0808 196 2316 (Monday – Friday, 9am – 5pm).

 

We are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 834315.