Advice and Support Understanding your options If you’re struggling with debt, it might seem like you have no options – this is not the case. Help is just a click or a phone call away, and below, we’ve included details of several debt-support organisations.

Financial Support

Unbiased support throughout your finance journey

If your financial circumstances worsen, there are resources available to help you find a way forward.

Help and guidance sources

Help yourself by reaching out to one of many support structures

In addition to this, if you have your vehicle on finance or have a monthly pay service plan and are finding difficulty with repayments, please, make your dealership aware.

MoneyHelper MoneyHelper is dedicated to assisting you with your financial decisions, with a customer-facing service that demystifies complexities and outlines actionable steps, empowering you to take control of your situation.

StepChange StepChange offers one of the UK’s most extensive debt advisory services. Since 1993, it’s assisted 7.5 million individuals in reclaiming control over their finances – and lives – amid debt challenges.

National Debtline National Debtline, operated by the Money Advice Trust, is a charitable organisation offering confidential and cost-free debt advice, helping millions of people to effectively manage their finances.

Government Support GOV.UK provides confidential, independent and complimentary guidance to help address debt concerns.

Turn2us Turn2us is a nationwide charity committed to providing information and practical assistance to people who are experiencing financial instability.

Citizens Advice Citizens Advice provides confidential advice online, via phone and through face-to-face consultations – all at no cost.

FAQs

How can I manage my debts effectively?

Debts can be managed effectively through budgeting, prioritising repayments, negotiating with creditors, seeking professional advice, and exploring debt-management plans or debt consolidation options.

What options do I have for debt repayment?

Debt repayment options include creating a repayment plan, negotiating with creditors for reduced payments or settlements, considering debt consolidation, and seeking assistance from debt-management providers.

Will my creditors accept a repayment plan?

Creditors may accept a repayment plan, but it will depend on various factors, such as the creditor's policies, your financial situation, and the proposed repayment terms. For further advice, please speak to a debt specialist such as MoneyHelper, National Debtline or StepChange.

How can I protect my assets during debt resolution?

Assets can be protected during debt resolution by understanding exemption laws, considering legal structures like trusts, seeking freely available debt advice, and ensuring compliance with relevant regulations.

Company Info

Company Information

Reg Office: Bailey Drive, Gillingham Business Park, Gillingham, Kent, ME8 0PZ

Reg. Company Number: 3597175

VAT Reg. No. GB 703 0471 81

Financial Disclosure The JCB Group are authorised and regulated by the Financial Conduct Authority for consumer credit activities FRN: 684394 and are an appointed representative of Autoprotect (MBI) Ltd for Insurance distribution FRN: 312143.

The JCB group are a credit intermediary meaning are a Credit Broker not a Lender and can introduce you to a carefully selected number of lenders. We typically receive a fixed commission calculated by reference to the vehicle model or amount you borrow, for introducing you to a lender but this does not affect the interest charged on the agreement, all of which are set by the lender.

We Subscribe to the Motor Industry Code of Practice. The Motor Ombudsman Ltd act as an arbitrator in any unresolved consumer disputes. The Motor Ombudsman Ltd are a Chartered Trading Standards Institute Approved (CTSI) Alternative Dispute Resolution Provider.www.themotorombudsman.org.

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