Debt Advice


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.

Citizens Advice Full debt and consumer advice service. Many bureaux have specialist caseworkers to deal with any type of debt, including repossessions and negotiation with creditors.

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.

Step Change Debt Charity A full debt help service is available across the UK. Online support is also available via its debt remedy tool and vulnerable people (due to age, mental health or capacity) are able to get extra help support via the free advocacy service.

Tel: 0800 138 1111 (also free from mobiles)

Opening Times: Mon – Fri 8am to 8pm, Sat 8am to 4pm

National Debtline National Debtline provides free advice and resources to help people deal with their debts. Advice is available over the phone, online and via webchat.

Tel: 0808 808 4000

Opening Times: Mon – Fri 9am to 8pm, Sat 9.30am to 1pm

And the best of the rest…

Christians Against PovertyAlso specialises in helping those who are struggling emotionally. The religious focus is why they do it, not how they do it.

Civil Legal AdviceLegal advice on a small range of issues, including debt where your home is at risk.

Debt Advice FoundationA debt advice and education charity offering one-to-one advice.

Debt Support TrustA not-for-profit UK debt advice charity. Includes online debt analyser tool.

Business DebtlineProvides free advice and resources for both business and personal debts.

PayPlanFree 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 AdviceIthas 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.