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Help With Debt

The stress of rising debt or past due bills can be overwhelming and it can happen to anyone - debt doesn't recognise class, race, weight or even income.

Whether you are on benefits or you earn £80k a year, everyone needs to manage to live within their own means, or you could run the risk of ending up in debt.

Credit can be empowering and help you get through life, but if it is misused, mis-sold or misunderstood, it can be a highly destructive force too.

Create a Budget

If you're feeling the strain financially, or struggling to repay a specific loan, don't ignore the problem. The sooner you address your money issues, the sooner you can start taking action.

The first step in the right direction of debt management is to make a list of any outstanding bills, debts and loans. Write down the lender’s details, how much you owe and how much your repayments are.

This will help you get a clear idea of your budget.

Talk to Your Creditors

Next, talk to your creditors quickly. Depending on the lender and the type of credit, you may be able to reduce your payments, extend the loan period, suspend repayments for a short period, or even repay the loan early.

You may not even know the options that are available to you, which is why you need to pick up the phone and make that important first call.

Helpful Resources

Don't stick your head in the sand and keep financial pressure to yourself. Speak to someone close to you or seek counselling and advice from a reputable source.

Here are some great and largely free resources we recommend checking out for help with debt:

Money Advice Service 

www.moneyadviceservice.org.uk or phone 0300 500 5000.

Citizens Advice

www.adviceguide.org.uk

National Debtline

www.nationaldebtline.co.uk or phone 0808 808 4000.

Stepchange Debt Charity

www.stepchange.org or phone 0800 138 1111.

Struggling? Talk to us

If you need help repaying a Stewart Finance loan, we can help - get in contact with us today

Contact us
27 Arley Avenue, Didsbury, Manchester M20 2LQ

Authorised and regulated by the Financial Conduct Authority

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Legal name: Hafod Finance Co Ltd, Registration number: 01704002, Registered address: Pacific Chambers, 11-13 Victoria Street, Liverpool L2 5QQ, ICO number: Z8467137, FCA registration number: 695264
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