At some stage of people's lives they may experience financial difficulties in one way or another.

Please don’t hide from debt or ignore it. The sooner you start to deal with your debt the sooner the stress and worry of being in debt can reduce.

How to Manage Debt:

  1. Be honest with yourself about your current outgoings
  2. Stick to budgets that you have set yourself
  3. Review lifestyle habits that could make a change to your outgoings
  4. Don’t hide or ignore debt as it will get harder to solve
  5. It’s good To Talk! Talk about your debt with Shawbrook International & use the free advice services.

What can I do if I am experiencing financial difficulties?
You should contact US to discuss your situation. Don’t ignore the problem. If you are finding it difficult to keep up with your repayments you should contact us straight away as we are here to help.

Dealing with your financial difficulties 

  • List your Debts/Creditors - before you can tackle a debt problem it is helpful to work out how much money you owe and how many creditors you owe it to. To do this, you will need to make a list of all the companies you owe money to (your creditors).
  • Prioritising your Debts/Creditors – After you have a list of all your creditors, you need to work out which debts are more urgent by splitting your list into priority debts and non-priority debts.
  • Understanding your Income vs Outgoings – To get an understanding of where your income is going completing a budget form will help you get a better understanding of how much you can afford to pay your creditors. 

The following online budget calculators can help you:

Money Advice Service

Citizens Advice Bureau (CAB)

Printable Budget Sheet

Useful Contacts:

Citizens Advice Bureau (CAB)
The CAB provides free, confidential, impartial information and advice on a wide range of debt and benefits issues face to face. Look in the phone book or on the CAB website for the telephone number of your local bureau. 

Tel: 0800 138 1111 (freephone) Monday to Friday 8am to 8pm and Saturday 8am to 4pm
StepChange Debt Charity are the UK’s leading debt charity offering free, confidential debt help and support to anyone with money worries. Their free debt management can help you get back in control of your money and move forward with your life.

National Debtline
Tel: 0808 808 4000 (freephone) Monday to Friday 9am to 8pm and Saturday 9.30am to 1pm
National Debtline is a telephone helpline for people struggling with debt. National Debtline can also send you a free debt advice pack that includes guidance on completing a personal budget as well as answering legal questions connected with debt.

Advice UK
Tel: 0300 777 0107 or 0300 777 0108 -
This network supports free advice providers and can give details of your nearest debt advice centre.

The Money Advice Service
Tel: 0800 138 7777

  • Their head office address is The Money Advice Service, Holborn Centre, 120 Holborn, London, EC1N 2TD
  • Our opening hours are Monday to Friday, 8am to 8pm, Saturday, 9am to 1pm, Sunday and Bank Holidays, closed.
  • 0800 138 7777 (English) / 0800 138 0555 (Welsh) / Typetalk: 18001 0300 500 5000 / From overseas: +44 1443 827658
  • Money Advice Service general email address is

The Money Advice Service provides information and tools to help you manage your money better.

Contacts for Benefit Details

Benefit Enquiry Line
Tel: 0345 608 8545 or textphone 0345 608 8551
This is a helpline for disability benefits.

Turn 2 US
Tel: 0808 802 2000
A helpline that helps you to carry out your own benefits calculation to ensure that you are receiving all benefits that you are entitled to.

Department for Work and Pensions
Tel - Child Benefit: 0300 200 3100 or textphone 0300 200 3103 - Tax Credit: 0345 300 3900 or textphone 0345 300 3909
The Department for Work and Pensions (DWP) is responsible for welfare, pensions and child maintenance policy.

They are a membership body for organisations and individuals working with homeless people around England.