Housing advice

    Dealing with debt and money worries

    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