Here at Pay Later Carpets, we understand that from time to time, unforeseen issues can arise regarding personal finances. As a responsible lender, we want to be as supportive as possible to any of our customers who may find themselves in such circumstances. We are happy to offer any support we can to alleviate stress or worries regarding agreed repayment plans and in these situations, we are available to discuss repayment arrangements to try to find a solution to suit all. If you are having difficulty in making or keeping up with any payments, please contact us immediately to discuss options and solutions. As part of our commitment to support customers who find themselves in financial difficulty, we have listed a number of organisations below which offer free debt advice and may also be able to help you.
Find your nearest CA centre
Tel: 03444 111 444
Opening Times: Different for each bureau
Citizens Advice Northern Ireland is separate, but offers the same service.
Tel: 0800 138 1111 (also free from mobiles)
Opening Times: Mon – Fri 8am to 8pm, Sat 8am to 4pm
Tel: 0808 808 4000
Opening Times: Mon – Fri 9am to 8pm, Sat 9.30am to 1pm
And the best of the rest…
Christians Against Poverty: Also specialises in helping those who are struggling emotionally. The religious focus is why they do it, not how they do it.
Civil Legal Advice: Legal advice on a small range of issues, including debt where your home is at risk.
Debt Advice Foundation: A debt advice and education charity offering one-to-one advice.
Business Debtline: Provides free advice and resources for both business and personal debts.
PayPlan: Free debt advice and solutions. It’s a private company, but the advice is free.
Face-to-face help from local agencies:
Make sure to check your local service is not-for-profit or a charity before signing up.Community Money Advice: Ithas a map showing where you can get face-to-face debt advice – see if there’s one in your area.
Money Advice Service: Its debt advice locator helps you search for a debt advice service near you.
Council: Ask your council if it knows of local advice centres.