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Debt advice
Facing up to debt is never easy, but it is important. You don’t have to panic about debt problems, but you mustn’t ignore them either – they won't go away! Late payment charges and interest payments can make your debts increase, not decrease, so seeking advice and sorting things out as quickly as possible is essential. So gather up all your financial information and contact an experienced sympathetic adviser from one of the following organisations.
The Money Advice Service
Whatever the situation with your finances, it's good to know you're on top of things and are making the most of what you have.
The money advice service is here to help. It offfers clear and unbiased money advice and information to help you make the most of your money, whatever your circumstances – and it's free.
The money advice service is independent and unbiased so it won;t recommend any particulr products or try to sell you anything.It was set up by government and is funded by a levy on the financial services industry.
You can access their services in three ways:
online – www.moneyadviceservice.org.uk
over the phone – call 0300 500 5000 and speak to a money adviser for unbiased advice on your money issues (call rates may vary)
face to face – if you find that speaking to a money adviser on-line isn't enough, you can request a face to face appointment by calling the number above.
Money Health Check – get started today
A good place to start looking at your money situation is the health check. Take less than 10 minutes to answer some easy questions about your attitude and behaviour – no need for bank statements or any other paperwork – and you'll get an action plan with three high priority actions and a list of others to take when you are ready. Each action has a drop down telling you HOW to do it, not just WHAT to do. Why not have a go right now by clicking here
Consumer Credit Counselling Service
If you are looking for some help to become debt free, contact the Consumer Credit Counselling Service (CCCS).
CCCS are a registered charity who have been providing free debt advice to people all over the UK for more than 15 years. To find out how they could help you, use the CCCS Debt Remedy online tool for an instant assessment of your current debt situation complete with a personalised budget. Follow the links to take a look at their website.
The National Debtline
The National Debtline is a telephone helpline for people with debt problems in England, Scotland and Wales. The service is free, confidential and independent. National Debtline is part of the Money Advice Trust, a registered charity. The service provides self-help advice to its callers and also publishes written self-help. Check out their website or give them a call on 0808 808 4000.
The Welcome In Café
The Welcome In Café at 11 Crescent Road, Worthing, holds a debt advice drop-in on Wednesdays between 2pm and 4pm. Contact them for an appointment or turn up at the drop in for a confidential chat. Call 01903 234 497, 01903 244 534 or 01903 821 921. Alternatively, you can visit The Food Bank website for email contact details.
The Frontline Project
The Frontline Project can help you review your financial situation and give advice on claiming a range of benefits. Drop into River of Life Church, 19A Broadwater Road, Worthing on Thursdays, 9.30am to 12.30pm or call their 24-hour message line on 01903 218 722 and they will respond as soon as possible. For other contact details, please visit their Frontline Worthing contact page.
