Housing advice

If you are struggling with your weekly or monthly payments, you may need to seek advice from a Money Adviser. They can help you prioritize creditors and attempt to negotiate a better repayment deal.

Your creditors are divided into two categories ‘Priority Creditors’ and ‘Non-Priority Creditors’.

Priority creditors are your essential living expenses:

• Mortgage payments
• Rent payments
• Council Tax
• Utilities
• Secured loans
• Fines

Non-Priority Creditors are:

• Unsecured loans
• Credit agreements (seek advice to type of agreement).
• Mail order
• Catalogues
• Credit cards