Debt and un-seasonal visitors

Sadly, we continue to receive many calls from hospitality people who are living in fear of a visit from the bailiffs. In the UK 1 in 14 adults are in problem debt, and the financial pressures of the festive season often add to that burden regardless of whether there are extra shifts available during December.

Callers often complain of aggressive language in letters and intimidating behaviour from bailiffs on the doorstep. Debts can quickly spiral beyond control and leave people bewildered and at risk of having property re-possessed.

This issue has attracted national interest with people like  Martin Lewis the ‘Money Saving Expert’ calling for a change in the law to address the risk of suicide as a result of financial worries. A change in the law is something we’d applaud.

If you or a colleague is worried about mounting debt, there are lots of ways we can help you.

The first thing to do is not panic – pick up the phone and call our 24/7 helpline on 0808 802 0282 – we can give you practical advice to help get things back on track.

Specialist debt advice – working with our partner PayPlan we can help you come to terms with your debt levels and look at your best route forwards.

Psychological support – money matters can be stressful and put pressure on all aspects of daily life. We’re here to provide a friendly ear and practical advice.

Hardship grants – You may qualify for a grant to help you with household expenses to provide a little financial breathing space

Winter fuel grants (for working age and retired people) – fuel poverty is a real issue at this time of year, you may qualify for a grant to help with spiralling energy costs.

The stress caused by debt can be stressful and in extreme cases, life threatening so if you or a colleague are worried call us on 0808 802 0282 or for information on our grants visit the Grants page on our website or call the grants team on 020 3004 5500.