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If you are struggling with managing debts advice is available whether your debt is big or small

Borrowing

Castle and Crystal Credit Union

Credit unions are not for profit financial cooperatives. They provide a safe, convenient place to save money, and access loans at reasonable rates. Loans tend to start at £250 and go up to £10,000.

Breathing Space - debt respite scheme

If you live in England or Wales, you can get temporary protection from your creditors while you get debt advice and make a plan. This scheme is called ‘Breathing Space’.

Citizens Advice

Citizens Advice offer a debt helpline freephone service 0800 240 4420 (or Relay UK 18001 then 0800 240 4420). The debt helpline is available 9am to 5pm, Monday to Friday. It’s not available on public holidays. Calls are free from mobiles and landlines.

You can also talk about your debt issue with a trained adviser online.