Last month, Ruth was feeling on top of her bills and budgets. But then came a run of bad days, and without the energy to check the balance and move money around, Ruth just put everything on the credit card to worry about when she was feeling better.
When she came to pay her next card bill, it was much higher than she had expected. Ruth began to feel overwhelmed – she paid what was due but that left less money for her other household bills. She was worried all her repayments would be too high, that she wouldn’t be able to make ends meet, and she didn’t know where to go for help.
It was Ruth’s brother who convinced her to give us a call. He could see she was worried about her finances, but once he found out how bad things had got he knew it was time for Ruth to let us know. By this point:
Ruth was really worried about calling us and unsure about what would happen next. But when she did call, she was connected to one of our support team, Carol.
Ruth had been dreading the call, but she felt so much better when she hung up. Carol really put her mind at rest, understanding her situation and offering advice to put her back in control. Ruth told Carol she was worried her benefits income would be taken to pay off her debts, but Carol assured her this wouldn’t happen.
We know your debts aren't going to disappear on their own, but we really can help. If you get in touch, we'll ask you about your income and outgoings so you can feel confident you're only repaying what you can really afford. And your priority payments – Council Tax, rent/mortgage repayments and household bills – will always come first.
It's probably the last thing you want to do, but giving us a call won’t make anything worse. We won't spring any surprises on you; our advisers are here to listen, understand and agree a solution with you – not demand payments you can’t afford.
You can rest assured, we’ll ask your permission before we do anything and check how you feel about your other finances.
We'll try to provide you with help that’s clear, practical and easy to understand. Also, we'll advise you where to find free and independent help.
Calls to 0800 and 0808 numbers are free from UK landlines.
Mobile charges may vary.
Calls to 03 numbers use free plan minutes if available – otherwise they cost the same as calls to 01/02 prefix numbers.
The line is free and open 8am – 9pm Monday to Friday, and 9am – 4pm Saturday.
If you're struggling with a few different debts or money worries,
may also be able to help you.
They are the UK's largest provider of genuinely free independent debt advice and managed solutions, helping almost 600,000 people a year resolve problems, repay debts and rebuild lives.
Every year, one in four of us will experience a mental health problem.
The Mind infoline offers free confidential mental health information and advice. They offer support in person, over the phone and online.
Find out if you're getting all the money you could be entitled to.
Visit entitledto and use their free benefits calculator to understand if financial support is available.
To protect the privacy of our customers, we have used photographs of actors and fictitious names, but they are based on real situations.