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Help With Debt

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Data published by UK Finance in 2018 showed UK households had outstanding loans worth £37bn in 2016-2017. In January 2018, Christians Against Poverty estimated that about 8 million people in the UK will be worrying about how they are going to pay their bills. (Source:
Debt is clearly a big problem in our society.

Now that’s not to say that all debt is bad, the problems come when, often through no fault of their own, people suddenly find themselves unable to repay their debt, whether that be a mortgage, a car loan, utility bills, etc., and pride can often be the underlying reason why they do not seek help; after all, they have been able to meet their payments until now without anyone else’s help. If they maintain that attitude then it is not unusual for that debt to spriral out of control.

If you are in that situation where you are finding it difficult, if not impossible, to meet payments then the first step is to acknowledge that you need help, and then secondly to get in touch with someone who can help you. And making that first step to acknowledge that you need help is often the most difficult part of the whole process.

At the 453 Churches, whilst we are not able to give financial advice, if you would like help with a referral, then please do get in touch.

Below are a list of organisations that are able to give free impartial advice to you if you are experiencing debt problems. We are not connected with them in any way and neither do we receive anything in return for making this information available; and please do be aware that the law is often different in Scotland compared to England & Wales.
They may also be able to help if you are self employed or a small business owner.

So, please do get in touch with them. They will be only to pleased to give you tailor-made advice in relation to your circumstances. You are not obligated to go with their advice but at the very least, you will be able to make more informed decisions going forward. Their aim is to help you manage your debt, and to hopefully, one day, live debt free.

This page was last updated: 11th March 2018