Getting Help with Debt
t hiding your spending habits
from your family
t avoiding letters and calls from
your creditors
t asking to borrow money
O
lder people and pensioners
are among the worst hit
during hard times and retired
people are finding it harder to
manage as savings are eroded
and everyday essentials increase
in cost. Others experience money
problems following a change in
circumstances such as bereave-
ment, divorce or being forced
to leave work in their 50s due
to redundancy or illness.
If debt has become a concern for
you, then it’s important to take
steps to tackle it. You may want
to seek help if you are:
t worrying about money
t struggling to pay your household
bills or paying them with credit
t unable to afford doing things
you used to enjoy
t relying on your overdraft or
credit card to get by
t missing credit repayments
Ledbury Focus
If you’re struggling with debt, it can
be hard to know where to turn
but there are places you can go
for free help and support. Here
are some organisations you could
try. All are registered charities and
offer free, confidential advice.
Age UK Advice: Telephone: 0800
169 6565, lines are open seven days
a week from 8am to 7pm, or visit
the website: www.ageuk.org.uk
Citizens Advice Bureau:
Telephone: 0344 411 1444. For
online information and to find
details of your nearest Citizens
Advice Bureau visit their website:
www.citizensadvice.org.uk
Debt Advice Foundation: a
registered national debt advice and
education charity offering free,
confidential support and advice.
Telephone: 0800 043 4050 or visit
their website:
www.debtadvicefoundation.org
National Debtline: National
helpline for people with debts,
giving self-help advice and
support. Telephone: 0808 808
4000 or visit their websites: www.
nationaldebtline.org or www.
mymoneysteps.org
StepChange Debt Charity: advice
is given via their free helpline or
online via their Debt Remedy tool.
Telephone: 0800 138 1111 or visit
their website: www.stepchange.org
Turn2us: Helps people to access
the money available to them –
through welfare benefits, grants
and other sources of help.
Telephone: 0808 802 2000 or visit
their website www.turn2us.org.uk
Are you getting all the benefits,
tax credits and financial support
you are entitled to?
Age UK Hereford & Localities’
Information & Advice Service
offers a free benefit check which
could identify additional income
and help you complete forms and
make applications. To arrange a
free benefit check please contact
us on:
telephone: 0333 0066 299
email: [email protected]
Registered Charity Number: 1093512
www.ageuk.org.uk/herefordandlocalities
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