Where to get help with debts

There are lots of ways you can get help if you are worried about debt. It is important to get help as soon as possible and do not bury your head in the sand as it could make things worse.

Help from Shelter Cymru

Shelter Cymru’s debt advice service may be able to help you with debt problems, including dealing with:

  • rent arrears
  • mortgage arrears
  • utility bill debts – gas, electricity and water
  • debt collection companies or creditors
  • hire purchase, credit card or loan arrears.

Email our debt advice team or click here to see if there is a debt advice surgery being held near you.

You may also call Shelter Cymru on 0345 075 5005 to speak with an independent, free, specialist adviser.

Other debt advice services

Debt advice services are also available from:

These agencies all provide free services and their websites have useful information about what to do if you get into debt.

If you are a homeowner with mortgage arrears or facing repossession, get advice immediately from Shelter Cymru.

How can an adviser help?

The best option for dealing with your debts will depend on your personal circumstances. A specialist debt adviser may be able to help you to:

  • manage your income and expenditure and work out your options
  • explain the steps you have to take to keep your debts to a minimum
  • produce a detailed summary of your finances to show that you have very little money available to repay the debt
  • organise and prioritise payments of any other debts you have

An adviser can also explain the reasons for your financial problems to your lender (and/or insurer if you have an endowment mortgage), and negotiate with the lender to make the debt more manageable.

Things to be careful of

Loans advertised on television or on the internet

Some advertisements by private companies sound too good to be true… and they usually are! Avoid companies that offer an immediate, easy solution or target customers aggressively. Their loans usually involve very high interest rates.

You could be asked to secure these loans against your home, putting your home at risk if you can’t keep up the payments.

Read more from StepChange about problems with payday loans.

Selling your home and staying on as a tenant

Get independent financial advice before arranging a private sale and rent back (where you sell your home and rent it back). These schemes are very risky, and you could end up losing your home.

Phone an adviser

If you have a housing problem, call our expert housing advice helpline
0345 075 5005

Email an adviser

If you have a non-urgent problem and would like to speak to an advisor
email us

This page was last updated on: July 16, 2018

Shelter Cymru acknowledges the support of Shelter in allowing us to adapt their content. The information contained on this site is updated and maintained by Shelter Cymru and only gives general guidance on the law in Wales. It should not be regarded or relied upon as a complete or authoritative statement of the law.