Money and Debt Advice
Debt affects many households and comes in many shapes and forms. It can be a very distressing time, but our dedicated Debt Advice team can help.
It is important to remember that if you are in this situation you are not alone, as help and advice are available. More importantly, it is not something to be ashamed of. This is the time for you to take control of your debts and not your debts take control of you!
Our Debt Advice service is authorised and regulated by the Financial Conduct Authority; our FRN reference number is 822130.
Live in South Northamptonshire?
If you live in South Northamptonshire, you should contact the South Northamptonshire Council Money Advice Service, which we help fund for people living in that district. If you live anywhere else and are one of our customers, please read on.
What can we do to help?
Our free Debt Advice service can advise you on how best to deal with your debts.
A Debt Advisor will assess your financial situation as a whole; this means:
- Checking your income and advising how to increase it, referring you to our Welfare Benefits Advice team if appropriate.
- Advising you on how to reduce your outgoings.
- Consider your debts and advise you on which are priorities and why.
- Advise you of the solutions you could pursue to bring your debts under control. For example, this could be arranging affordable repayments to your creditors, or it could be considering formal insolvency options. We will tailor the advice to your circumstances and what suits one person may not suit another.
- Help you follow through your chosen solution, or if we are unable to, refer to you another agency who can help.
In order to provide Debt Advice we do need a lot of information, typically:
- Evidence of income, such as wage slips, benefit award letters etc.
- Bank statements for all accounts
- Evidence of who you owe money to
- Other evidence where relevant to your circumstances.
We will need you to sign a form giving us authority to contact relevant parties on your behalf, and you will need to sign our Debt Advice Service Agreement
We will need to agree with you what your income and expenditure is, so we do need you to be transparent with us about your circumstances in order for us to advise you.
Are you interested?
If so, please contact Customer Services on 0300 123 5544 and ask to be referred to the Debt Advice team. Alternatively, you can email us at email@example.com and someone will call you back.
What if I have rent arrears with Grand Union?
We are still happy to advise you. We will consider your rent arrears alongside your other debts and treat it with the same level of priority as any other debt advice agency should. Our aim is to support you to improve your whole financial situation, as we believe this is the best approach to helping you stay in your home.
The only time we cannot help you if you have rent arrears with us is if we are taking legal action to take possession of home. This means we cannot fairly support you as there is a conflict of interests. In this case you should contact another agency for advice. Click here for more information about other agencies.
Whilst we hope you will be happy with our service, should you not be you have the right to make a complaint. Click here for our policy. Please note that this differs to our normal policy because our Debt Advice service is subject to Financial Ombudsman Service and Financial Conduct Authority rules instead of the Housing Ombudsman Service.
If you have made a complaint and you are not satisfied with our response you have a right to contact the Financial Ombudsman Authority to complain further. Please click here for further information.