Debt - When Should I Seek Help?

from Worcestershire NOW - MAY 2022

Nature Notebook

It could be time to get help with your debt if you are regularly worrying about money.

Struggling to pay your household bills or paying them with credit and relying on your overdraft or credit card to get by. Are you missing credit card repayments? Or hiding your spending habits from your family. Maybe you avoiding letters and calls from your creditors.

What should I do if someone I know is having problems with debt? You may have noticed a family member or friend acting differently. These signs may indicate they are having problems with debt: mainly as above hiding post, being unusually secretive about money and finances, getting phone calls from unknown callers, struggling to make ends meet plus avoiding activities they used to enjoy and asking to borrow money.

If you’ve noticed any of these signs or think someone you know may be having problems with debt, encourage them to seek help. But remember that they need to make the decision to get advice themselves. Giving them support and listening to them can make a big difference.

Who can I contact for free debt help and advice? Some debt management companies charge fees for their advice. There’s no need to take on more debt when there is free help available. These registered charities have debt advisers who can give you free, confidential debt advice: Your local Age UK can direct you to organisations that can help.

Citizens Advice offers help face-to-face, by telephone or by email.

Debt Advice Foundation provides free debt advice and support through its helpline (0800 043 40 50) and website.

National Debtline provides advice over the telephone (0808 808 4000), online and by email. They can send you a free self-help information pack.

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Quality care in Worcestershire you can trust

When a family is thinking about care for a loved one, they want the best - they want to know that the care home they choose will put their loved one’s safety, happiness, and wellbeing first.

Living in our Worcestershire homes is all about quality of life. Every colleague in our homes is passionate about enabling residents to enjoy a fulfilling lifestyle, tailored around their unique needs and preferences. The lifestyle teams organise a huge variety of group and one-to-one activities, with plenty going on each day.

Often families are so caught up in the dayto-day care of their loved ones that the personal relationship they share can take a step back. Once their relative has settled into our homes they are able to focus on spending quality time with them again just enjoying each other’s company.

With the extra support that our care home offers, new residents are often surprised at what they can do, whether that’s being able to continue with an activity they’ve enjoyed in the past, or even discovering new hobbies with our daily activities. n To find out more about care for yourself or a loved one at Care UK, call our friendly team on 0330 057 3576

Brook Court care home, Kidderminster Careuk.com/brook-court Kay.mayes@careuk.com

Chandler Court care home, Bromsgrove careuk.com/chandler-court paul.chambers@careuk.com

Perry Manor, Worcester careuk.com/perry-manor donna.townley@careuk.com

My Money Steps is a free online debt advice service run by National Debtline. You can develop your personal action plan to help manage your money and deal with debts.

StepChange Debt Charity provides advice over the telephone (0800 138 111) or online via its Debt Remedy advice tool, providing a personal action plan and a recommendation of available solutions for dealing with debts.

Advice UK has a network of independent advice organisations.

Shelter provides advice about housing and homelessness, including managing debt, paying rent or mortgage arrears, and dealing with possible eviction or repossession. How can a debt adviser help me? A debt adviser will help you come up with a budget and a plan to pay back your debts. They will advise you on how to contact your creditors to arrange repayments. Some advisers will negotiate with your creditors for you. Below are some things your debt adviser may discuss with you: • your income and expenses so the adviser can help you complete a budget. • your circumstances, such as whether you own your home, so they can understand your personal situation and discuss what options might suit you best. • your debts and creditors so they can advise you on the options for dealing with them. • all your options and identify what steps to take next.

It’s important to tell the debt adviser if any of the following applies to you:

• if any of the debts belonged to a spouse, partner or civil partner who has died • if your debts come from signing an agreement or a loan that you didn’t properly understand

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The following information is helpful for your debt adviser so try to have these on hand before you speak or see one: bank statements for the past 3 months; how much you owe and to whom; any letters or demands from your creditors; how old your debts are.

What debts should I pay off first? Be open with your debt adviser about all your debts so that he or she can help you to prioritise them, as not all debts are the same. Some debts, called ‘priority debts’, can lead to serious trouble if they aren’t paid. For example, if you don’t pay your mortgage, your home could be repossessed.

Priority debts include: mortgage; rent; Council Tax; gas or electricity; water; and unpaid fines.

Don’t panic if you’re behind on these bills. Seek advice as soon as possible so that you and your debt adviser can work out a plan of action to repay the money.

Can my energy be cut off if I can’t pay my gas or electricity bills? If you don’t pay your gas or electricity bill within 28 days, your energy supply could be cut off. However, it can’t be cut off without notice and your gas or energy company must send you a warning letter. If everyone in your home is of pension age, they can’t cut off your energy supply between 1 October and 31 March. If you’re having difficulty paying your gas or electricity bills, tell your supplier as soon as possible. You may be able to work out a payment plan or install a pre-payment meter. n

Your local Age UK numbers are: Worcester Office: 01905 724294 Malvern Office: 01684 560666 Tenbury Outreach: 07494762138 Age UK Bromsgrove, Redditch & Wyre Forest: 01527 570490