Thanks for following up
If things seem tough right now, we’re here to get you back on track.
It’s just 3 easy steps
Build a budget
Use our tool to help us get an accurate picture of your finances and give you the best possible support.
Talk to us
We’ll have a chat about your budget and current situation.
Let’s make a plan
Then together, we'll agree on what to do next.
Information:
Details about what you earn and spend will only be used to build your budget – not to give you any financial or budgeting advice. Building a budget won’t affect your credit score.
How to complete our budget form
Show transcript
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Hello. This short film will guide you
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through one of the most important steps
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you'll need to take to get back
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in control of your money.
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That step is to get a clear picture of your finances:
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How much income you have each month.
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How much your outgoings are each month.
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And how much you can afford
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towards paying off your debts.
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To make this step as easy
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and as accurate as possible,
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we have an online Income
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and Expenditure form for you to fill in.
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Here are a few tips to help you fill it in.
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One, read it carefully
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and fill in every box you need to.
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Two, make sure you are completely honest
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and accurate with all your answers - the better
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we understand your finances,
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the more affordable the outcome.
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Three, your online bank account or recent
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bank statements should list all the money
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coming in and going out of your bank account
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- they'll be useful
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when you're filling in
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those parts of the form.
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And four, we're here to help
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if you need it - if there's any part of the form
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you don't understand,
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or you'd just like help filling it
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in, you can always contact us.
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You'll find our details on the same page
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as this guide. Once your Income
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and Expenditure form is completed,
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we'll use it to work out
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what you can afford
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and the options available to you.
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After you've sent us the form,
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you should hear from us
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within seven working days.
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But if you need any of the help
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in the meantime, we're always here for you.
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Our contact details can be found on this page.
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Thank you for watching.
What you'll need to get started
To help create your budget we’ll need to know about your income and spending. It'll be useful to have these ready:
- Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and Council Tax bills as well as any debts you have with other providers.
Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits. Remember, if you live with another person and deal with your outgoings together, you should also include their income in your budget.
If you’re having trouble building your budget
That's okay, you can get in touch by calling our money worries team.
Note:
It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.
Mortgages
Monday to Friday, 8am to 6pm. Saturday, 9am to 12pm.
Loans
Monday to Friday, 8am to 6pm.
Saturday, 9am to 12pm.
Overdrafts
Monday to Friday, 8am to 6pm.
Saturday, 9am to 12pm.
Credit cards
Monday to Friday, 8am to 8pm.
Saturday, 8am to 5pm.