Debt Help and Advice
Advice if you are having trouble paying your Council Tax or Business Rates.
Help and Advice
If you are having trouble paying your Council Tax or Business
Rates it is important you contact us immediately on 0845
If we are aware of your situation we will do all we can to help
DON’T IGNORE THE PROBLEM
Contact the organisation you owe money
Let them know you are having problems. They may be able to
discuss options for paying back what you owe.
Get free help and
Your rights and options depend on the type of agreement, and the
law can be complex. You can get free independent help and
advice from a number of organisations detailed below.
Pay priority debts
For example, mortgage, rent, council tax, gas or electricity
arrears. A debt advisor can help you to budget to keep your
finances under control.
Think carefully before borrowing money
to repay debts.
Get advice before borrowing against your home – you will pay more
in the long run and you risk losing your home.
You may be able to ask a court for
more time to repay a debt – but only in some
Speak to a debt adviser before considering court action. Keep
copies of letters and emails in case these are needed by the
DOING NOTHING COULD MAKE THINGS WORSE
The lender could take legal action
You could end up paying more in interest and charges. Missed
payments could affect your credit rating and make it more difficult
to get credit in future.
TOP TEN TIPS ON DEALING WITH DEBT
Tips on dealing with debt. This
advice has been produced in partnership with Homes for
Northumberland and Citizens Advice.
IF YOU HAVE OTHER DEBTS
The following advice may help you if you have other
debts. You can visit the government website and the
following not-for-profit organisations for free, confidential and
impartial debt advice, or for details of where to get such advice
in your area.
Government Services and Information
For further information visit GOV.UK
For advice and information on debt and other
topics, visit your local Citizens Advice Bureau (address in the
phone book) or visit the
Citizens Advice website (England & Wales).
For further information phone; 0845
If you live in England phone 0808 808
4000 or visit http://www.nationaldebtline.co.uk/
for debt advice and information.
Step Change Debt Charity (previously Consumer Credit
For debt advice throughout the UK phone
0800 138 1111 or visit http://www.stepchange.org/
Member centres offer debt advice to the
public, some providing specialist advice for minority ethnic and
refugee communities and people with disabilities. For further
information phone 0300 777 0107 or visit http://www.adviceuk.org.uk/want-help
Debt Advice Foundation
Debt Advice Foundation is a registered
national debt advice charity offering free, impartial support and
advice to anyone worried about debt.
For further information
phone 0800 043 40 50
Money Advice Service
You may wish to visit the Money Advice Service website which
provides unbiased money advice to help you manage your money
better. You may also find Making the
Most of your Money a useful guide.
For further information phone 0300 500 5000
Northern Money can help you find details
of your local credit union, using a simple postcode search.
Credit unions offer great savings products and low-cost loans to
Call Northern Money on 0191 279 4881
Other useful organisations
Community Legal Advice
If you qualify for legal aid phone
0845 345 4 345 for free advice or visit
Financial Ombudsman Service
If you have a complaint that you can’t resolve
with your lender, the Financial Ombudsman Service may be able to
help – phone 0845 080 1800 or visit http://www.financial-ombudsman.org.uk/
BACS – Direct Debit Control Centre
New iPhone application
Bacs has launched a new app to help you manage
your Direct Debits using your iPhone.
The new Direct Debit Control Centre iPhone app
will assist you in managing your Direct Debits at the click of a
The Direct Debit Control Centre allows you to
keep track of which Direct Debit payments are due to leave your
accounts, and when they are due to be paid, by sending you advance
automatic reminders. You can view a snapshot of all your Direct
Debits and a timeline of payment dates so you can stay in control
and maintain a check on your finances. The app is easy to use,
secure and best of all it is free.
To view a demo of the Direct Debit Control Centre
The new Direct Debit Control Centre is available to download from
the iTunes App Store