If you are struggling to make ends meet or your debt is increasing each month - please ask for help. Ignoring it will only make it worse.
Money and debt advice
Always avoid loan sharks
Illegal money lenders take advantage of people struggling who feel they have nowhere else to turn. If you are offered money with little paperwork but high charges, always say no and get free help from a debt advice charity.
You are not alone and there is lots of support available:
- Apply for ‘breathing space’: temporary protection from your creditors while you get debt advice and make a plan.
- Get free local advice and support: our Money and Debt directory lists local organisations that can provide free advice and support to help you deal with your debt or money problems.
- Join your local credit union: this is a savings and loans co-operative that operate locally and can provide loans at low rates of interest. Their aim is to promote saving, careful money management and help those dealing with debt.