Frequently asked questions

You’re not alone. Debt can happen to anyone. The most important thing is to take the first step towards managing it. 

Here are some ways to start taking back control:

• Get a clear picture of what you owe and what you’re paying

• Prioritise your essential bills like rent, mortgage, and utilities

• Talk to your lenders, they may be able to offer support or payment plans

• Create a budget based on your income and spending

• Avoid taking on more credit unless it’s part of a clear, affordable plan

• Ask for help if you need it, there are plenty of ways to get support for free

We’ve pulled together some practical advice in these guides

• Smarter ways to manage debt
• Steps to build a healthier financial future

Get free, confidential advice and support

• StepChange offers free, confidential help and debt plans

• Citizens Advice gives you access to independent support and guidance

• National Debtline is a free debt advice service you can access over the phone and online.

And if you're worried about your repayments or feel like you're out of options, we're here to talk, without judgement. Get in touch today.