Struggling with debt? Ask a debt advisor a question

mulhollandcolette

what can a credit union do to you if you cant make payments?

mrsdwhite

Hi,
I have been on a DMP with CCCS for around 4 months now. 2 of my creditors have frozen interest and charges immediatley and accepted reduced payments no problem.
My main creditor was LloydsTSB, I have 3 accounts with them in debt. An overdarft, a loan and a credit card. So far they are refusing to stop interest, charges or late charges as they haven't accepted reduced charges. I have written to them myself a few times now asking them to reconsider and everytime get what seems like an automated repsonse saying they have looked at the account and cannpt agree to stop interest or charges at this time.
With the last letter from my overdraft saying they have reveiwed the account and wont stop charges etc... they sent a form basically asking for my SOA. Surely they would have received this from CCCS when the DMP was being set up? Do I need to fill in their form or just refer them to CCCS with my reference number?
I did receive a letter from CCCS at the beginning of my DMP saying Lloyds had refused reduced payments on the overdraft as an account was in credit but didn't need to take further action. The account that was in credit was a savings account that had £0.08, I have since taken the £0.08 out and left the account sitting at £0.
My interest and charges are really hindering me reducing the debt as my repayments are less than the interst & charges. I am now ironically hoping the debts go over the agreed limits soon so as to push Lloyds into doing something rather than just being greedy!

Knarston

Help I am not sure where to post this. I am not massivly in debt and have a good wage but just am crap with money and must admit have never had to or could budget properly I just want out of this circle, I have had an alcohol problem for 16 years am in AA now and love it (nearly 7months happy sober rather than 12 months sober drunk before) I am due another payrise soon but never seem to be able to do anything nice just work to live.

Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 2900
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2900
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 175
Electricity............................. 75
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 50
Mobile phone............................ 45
TV Licence.............................. 29
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 150
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 40
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 21
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 30
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1455

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly.. .APR
Lloyds TSB.....................2728......90........0
Egg............................1520......65....... .0
Lloyds Loan 1..................1011......136.4.....0
Total unsecured debts..........5259......291.4.....-

Monthly Budget Summary
Total monthly income.................... 2,900
Expenses (including HP & secured debts). 1,455
Available for debt repayments........... 1,445
Monthly UNsecured debt repayments....... 291.4
Amount left after debt repayments....... 1,153.6
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,259
Net Assets.............................. -5,259

M.oldbarn10

Hi

I am new and want to get help with debt problems.

I have already prepared a SOA (as close to a usual month as possible). Please take a look at the miserable SOA below:

Household Information:
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details:
Monthly income after tax................ 2014
Partners monthly income after tax....... 1304
Benefits................................ 81
Total monthly income.................... 3399

Monthly Expense Details:
Mortgage................................ 1424
Council tax............................. 153
Electricity............................. 80
Gas..................................... 73
Water rates............................. 30
Mobile phone............................ 25
TV Licence.............................. 13
Satellite/Cable TV...................... 45
Groceries etc. ......................... 220
Clothing................................ 0
Petrol/diesel........................... 150
Road tax................................ 11
Car Insurance........................... 41
Childcare/nursery....................... 180
Pet insurance/vet bills................. 6
Buildings insurance..................... 26
Life assurance ......................... 104
Other insurance......................... 21
Total monthly expenses.................. 2602

Assets:
House value (Gross)..................... 200000
Car(s).................................. 2500
Other assets............................ 7500
Total Assets............................ 210000

Secured & HP Debts:
Description....................Debt......Monthly...APR
Mortgage...................... 177000...(1424).....7.9


Unsecured Debts:
Description....................Debt......Monthly...APR
Barclaycard....................1676......38........18.9
Barclaycard....................2347......53........15.9
M&S Credit Card................2362......60........23.9
M&S Loan.......................6701......237.......14.9
Santander Loan.................4333......114.......12.9
Tesco Loan.....................5829......170.......12.9
Santander Credit Card..........4348......120.......21.9
Santander Credit Card..........2378......70........36.9
Next Account...................1737......174.......26.9
Total unsecured debts..........31711.....1036......-

Monthly Budget Summary:
Total monthly income.................... 3,399
Expenses (including HP & secured debts). 2,602
Available for debt repayments........... 797
Monthly UNsecured debt repayments....... 1,036
Amount short for making debt repayments. -239

Personal Balance Sheet Summary:
Total assets (things you own)........... 210,000
Total HP & Secured debt................. -177,000
Total Unsecured debt.................... -31,711
Net Assets.............................. 1,289

Right, that was depressing reading wasn't it?

The situation I am in is that there is a lot more going out than there is coming in (of course there is, otherwise I wouldn't be in debt!). There is very little available on credit cards (nearly all are at their limits) for any emergencies. I am in a Catch-22 with some issues and have some questions which I hope people can help with. Please read on...

I am not going to get into the history of how the debt arrived but I met my partner who had debt (I didn't at the time) and I thought I coud be a saviour and help. Unfortunately, it has back-fired on me and has recently been affecting me in more ways than one, so I am now going to see if I can save myself as well as my partner.

I started to try to help the burden on my partner and took on a good portion of the debt (two thirds) in my name (I am talking about all the unsecured debt). In the meantime my partner has continued to spend on credit and now we are in trouble.

All the cards are near their limit, leaving very little should an emergency occur. In the next couple of weeks I need my car tax (£130) and 4 new tyres (circa £250-£300 if getting budget tyres). This will basically put me on the edge of going under and having to seriously look at a DMP (which I am trying desperately to avoid).

I have further issues in that I am a part-qualified accountant and about to take my final exams. I am worried about not getting my qualification if I have to enter into a DMP. Does anyone know if the ACCA need to know about DMP and can you lose your membership? (Catch-22 No.1) I asked the ACCA anonymously but they wanted my details, which I wasn't prepared to give in case it affected my membership.

The money I have each month (circa £380) goes on food and petrol, with a little left for a haircut and maybe any odd small items needed around the house (light bulbs, cleaning products etc). Other than that I cannot afford to buy anything else. My partner's income is pretty much wiped out each month by debt repayments. Therefore anything other than food or petrol has to go on a card, including clothes.

I have to get out of this dreadful financial situation because I am showing signs of depression, so much so that I have been told I should see the doctor. I don't want to go down that route because, should I pass my final ACCA exams, I will be in the market for a new job and a lot of employers ask questions about health, with depression being one of them. (Catch-22 No.2) I don't want to hamper my chances of a new job and hopefully a bit more income to help the financial problem.

I have recently tried to obtain a couple of 0% balance transfer cards but been declined for both, which means my credit rating is poor. Therefore I am stuck with the credit, at the current interest rates, until I can clear it.

My other Catch-22 (No.3) is my car. It is getting to the end of its days. I have spent over £1000 on it this year (all on credit) to ensure I can take my little one to nursery and my partner and I can get to work everyday. I can't afford to buy a new car, as I can't afford any further repayments (a new car would have to be on credit). If the worst happens and I enter a DMP, I take it that is me stuffed and I wouldn't get credit again for anything, even an asset? So, God knows what I am going to do if the car dies on me one day. As it stands I couldn't even afford the repairs at the moment.

By the way, don't let the small value in assets fool you. The house is worth about £200k but try getting that in the current market. A neighbour had their house on for 18 months, kept reducing the price and still couldn't sell it. Also, please don't suggest a re-mortgage. I am on a fixed term until 2014 (best I could get at the time with my credit rating). It would cost me circa £3,500 to move or even change product with the same lender. I don't have £3,500.

Can things get any worse? Life is pretty s**t. I have never had debt problems in the past and can't cope with having them now. I have no quality of life. I am not to bothered about myself, as I reason that I have got myself here therefore, I don't deserve anything new or nice. What does get me down a lot is that I can't provide for my family properly, I can't give my child the things other children at 3yrs are doing e.g. swimming, dancing, an occasional ice-cream. That is the bit that really makes me mad, sad and useless!:(

My partner's view is that a lot of other people are in the same situation and so it is ok to be where we are. In my view it is certainly not ok and we argue about our different views on money.

The main problem is cash flow at the moment. I have started a budget, although it only covers food, petrol and a few miscellaneous items. Even sticking to that is not going to help, because I have been doing the same for the last 2 years. I need to make a dent in the debt and can't find a way to do it, as there is no additional cash.

In three years time the loans will have finished and the fixed term on the mortgage will be up and I could probably get some savings on a variable rate (assuming the base rate is still low in 3yrs time). I just don't think I am going to get to that point without going under in the meantime.

Now that I have bored you all senseless, does anyone have any advice on reducing the debts, improving the cash flow and having a little extra cash to pay for the car, jobs around the home etc?
OR
Is a DMP unavoidable for the mess above?

All advice/help and any contsructive criticism will be gratefully received. Many thanks in advance.

1506moir

Just had judgement debt/order place against me and my wife for none payment of ground rent for a flat we own. We bought the property in Dec 09. The property has been rented out and we have never lived there. I have never received any notification of the debt or any other correspondence from Estate Managements Ltd who hold the free hold, so they have just told me; all letters were sent to the property and not our home address. We have paid and never been late with the service charge, which I presumed covered both. They managed to track us down by going via our mortgage company, who sent us the information. I have spoken to J B Leitch & Co, solicitors the ones who are after our blood and they are not interested in helping us, as this is clearly a misunderstanding. Have also spoken to Estate management but they have said the debt now lies with J B Leitch. All help greatly appreciated; don’t want my credit history affected by this.

System

scarydawn wrote: »

Hi

thank you for the information but this has now left me even more baffled as I have been on agreement with them for about 2 years - 3 different ones with an increased payment each time but they have sent me a monthly default notice for most of that time though I have always stuck to the terms of the agreement.

If these default notices are already on my credit record then having this further default agreement that they have suggested and not that I have requested would surely not actually harm it anymore.

It was explained that the default notice would be on my record from the start of the new agreement but if the monthly default notices are also registered the only detrimental effect will be one extra month - am I right in assuming this

I have other creditors and credit cards that I have not defaulted on and have kept regular payments on, would any of this go some way to rebuilding my credit record

sorry to be a pain with more questions but I need to seriously consider my options - I am just getting out of the mire and do not want to take a wrong step now

Hi and thanks for your reply.

I think the first step would be to get access to your credit file and see what they have actually recorded on there.

Once you establish what they have recorded on there you can start the process of improving the situation.

http://www.moneysavingexpert.com/loans/credit-rating-credit-score#files

This link should explain how to get access to your credit file.

I hope this helps.

Kind regards,

Mat

System

mulhollandcolette wrote: »

what can a credit union do to you if you cant make payments?

Hi and thanks for your post.

It would depend on the original agreement that you signed with the credit union but generally these are much like other creditors.

If you are struggling with your commitments you might want to put a budget together, we can help you with this while also looking at what debt solutions would suit you.

Credit Unions are also sometime affiliated with particular professions; again you would need to check the terms and conditions of what you signed with the Union.

I hope this helps.

Kind regards,

Mat

System

mrsdwhite wrote: »

Hi,
I have been on a DMP with CCCS for around 4 months now. 2 of my creditors have frozen interest and charges immediatley and accepted reduced payments no problem.
My main creditor was LloydsTSB, I have 3 accounts with them in debt. An overdarft, a loan and a credit card. So far they are refusing to stop interest, charges or late charges as they haven't accepted reduced charges. I have written to them myself a few times now asking them to reconsider and everytime get what seems like an automated repsonse saying they have looked at the account and cannpt agree to stop interest or charges at this time.
With the last letter from my overdraft saying they have reveiwed the account and wont stop charges etc... they sent a form basically asking for my SOA. Surely they would have received this from CCCS when the DMP was being set up? Do I need to fill in their form or just refer them to CCCS with my reference number?
I did receive a letter from CCCS at the beginning of my DMP saying Lloyds had refused reduced payments on the overdraft as an account was in credit but didn't need to take further action. The account that was in credit was a savings account that had £0.08, I have since taken the £0.08 out and left the account sitting at £0.
My interest and charges are really hindering me reducing the debt as my repayments are less than the interst & charges. I am now ironically hoping the debts go over the agreed limits soon so as to push Lloyds into doing something rather than just being greedy!

Hi and thanks for your post.

Unfortunately Lloyds are within their rights to continue to add these chargers and interest.

No charity or company can guarantee that your creditors will stop adding interest and or charges once you break the original payment agreement with them, this is entirely up to the creditor.

Some creditors do take time to accept lower payments and by all means send Lloyds your CCCS budget again or get in touch with us so that we can do it on your behalf.

The most important thing is that you are making your best efforts towards the debt and you are paying what you can reasonably afford.

As you are already a client I would recommend that you give us a call to see if there is anything further we can do.

I hope this helps.

Kind regards,

Mat

System

Knarston wrote: »

Help I am not sure where to post this. I am not massivly in debt and have a good wage but just am crap with money and must admit have never had to or could budget properly I just want out of this circle, I have had an alcohol problem for 16 years am in AA now and love it (nearly 7months happy sober rather than 12 months sober drunk before) I am due another payrise soon but never seem to be able to do anything nice just work to live.

Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 2900
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2900
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 175
Electricity............................. 75
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 50
Mobile phone............................ 45
TV Licence.............................. 29
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 150
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 40
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 21
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 30
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1455

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly.. .APR
Lloyds TSB.....................2728......90........0
Egg............................1520......65....... .0
Lloyds Loan 1..................1011......136.4.....0
Total unsecured debts..........5259......291.4.....-

Monthly Budget Summary
Total monthly income.................... 2,900
Expenses (including HP & secured debts). 1,455
Available for debt repayments........... 1,445
Monthly UNsecured debt repayments....... 291.4
Amount left after debt repayments....... 1,153.6
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,259
Net Assets.............................. -5,259

Hi and welcome to the forum.

As you said you’re not massively in debt and according to your budget you have £1,153 surplus to spend each month.

If you are struggling with your money I suspect your budget may not entirely show the true picture of where you spend your money.

The first step would be to record everything you spend money on each month, right from newspapers upwards. A notebook recording each time you spend on your card or draw out cash for any purchase may bring a truer picture of where you spend your money to light.

On paper at the moment you could clear all your debts within a matter of months.

The Money Advice Service has an online budget planner which you can access below, along with a daily record of your spending this may help you put together a more accurate budget.

http://www.moneyadviceservice.org.uk/yourmoney/interactive/budget_planner.aspx

As your budget stands at the moment I would recommend paying off your credit commitments and putting a savings plan in place for the future, this may not be an accurate picture however if you are spending more than you have accounted for.

Our own blog on budgeting might also offer some good advice.

http://moneyaware.co.uk/2011/11/dont-fudge-it-how-to-create-and-stick-to-a-budget/

I hope this helps.

Kind regards,

Mat

System

M.oldbarn10 wrote: »

Hi

I am new and want to get help with debt problems.

I have already prepared a SOA (as close to a usual month as possible). Please take a look at the miserable SOA below:

Household Information:
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details:
Monthly income after tax................ 2014
Partners monthly income after tax....... 1304
Benefits................................ 81
Total monthly income.................... 3399

Monthly Expense Details:
Mortgage................................ 1424
Council tax............................. 153
Electricity............................. 80
Gas..................................... 73
Water rates............................. 30
Mobile phone............................ 25
TV Licence.............................. 13
Satellite/Cable TV...................... 45
Groceries etc. ......................... 220
Clothing................................ 0
Petrol/diesel........................... 150
Road tax................................ 11
Car Insurance........................... 41
Childcare/nursery....................... 180
Pet insurance/vet bills................. 6
Buildings insurance..................... 26
Life assurance ......................... 104
Other insurance......................... 21
Total monthly expenses.................. 2602

Assets:
House value (Gross)..................... 200000
Car(s).................................. 2500
Other assets............................ 7500
Total Assets............................ 210000

Secured & HP Debts:
Description....................Debt......Monthly...APR
Mortgage...................... 177000...(1424).....7.9


Unsecured Debts:
Description....................Debt......Monthly...APR
Barclaycard....................1676......38........18.9
Barclaycard....................2347......53........15.9
M&S Credit Card................2362......60........23.9
M&S Loan.......................6701......237.......14.9
Santander Loan.................4333......114.......12.9
Tesco Loan.....................5829......170.......12.9
Santander Credit Card..........4348......120.......21.9
Santander Credit Card..........2378......70........36.9
Next Account...................1737......174.......26.9
Total unsecured debts..........31711.....1036......-

Monthly Budget Summary:
Total monthly income.................... 3,399
Expenses (including HP & secured debts). 2,602
Available for debt repayments........... 797
Monthly UNsecured debt repayments....... 1,036
Amount short for making debt repayments. -239

Personal Balance Sheet Summary:
Total assets (things you own)........... 210,000
Total HP & Secured debt................. -177,000
Total Unsecured debt.................... -31,711
Net Assets.............................. 1,289

Right, that was depressing reading wasn't it?

The situation I am in is that there is a lot more going out than there is coming in (of course there is, otherwise I wouldn't be in debt!). There is very little available on credit cards (nearly all are at their limits) for any emergencies. I am in a Catch-22 with some issues and have some questions which I hope people can help with. Please read on...

I am not going to get into the history of how the debt arrived but I met my partner who had debt (I didn't at the time) and I thought I coud be a saviour and help. Unfortunately, it has back-fired on me and has recently been affecting me in more ways than one, so I am now going to see if I can save myself as well as my partner.

I started to try to help the burden on my partner and took on a good portion of the debt (two thirds) in my name (I am talking about all the unsecured debt). In the meantime my partner has continued to spend on credit and now we are in trouble.

All the cards are near their limit, leaving very little should an emergency occur. In the next couple of weeks I need my car tax (£130) and 4 new tyres (circa £250-£300 if getting budget tyres). This will basically put me on the edge of going under and having to seriously look at a DMP (which I am trying desperately to avoid).

I have further issues in that I am a part-qualified accountant and about to take my final exams. I am worried about not getting my qualification if I have to enter into a DMP. Does anyone know if the ACCA need to know about DMP and can you lose your membership? (Catch-22 No.1) I asked the ACCA anonymously but they wanted my details, which I wasn't prepared to give in case it affected my membership.

The money I have each month (circa £380) goes on food and petrol, with a little left for a haircut and maybe any odd small items needed around the house (light bulbs, cleaning products etc). Other than that I cannot afford to buy anything else. My partner's income is pretty much wiped out each month by debt repayments. Therefore anything other than food or petrol has to go on a card, including clothes.

I have to get out of this dreadful financial situation because I am showing signs of depression, so much so that I have been told I should see the doctor. I don't want to go down that route because, should I pass my final ACCA exams, I will be in the market for a new job and a lot of employers ask questions about health, with depression being one of them. (Catch-22 No.2) I don't want to hamper my chances of a new job and hopefully a bit more income to help the financial problem.

I have recently tried to obtain a couple of 0% balance transfer cards but been declined for both, which means my credit rating is poor. Therefore I am stuck with the credit, at the current interest rates, until I can clear it.

My other Catch-22 (No.3) is my car. It is getting to the end of its days. I have spent over £1000 on it this year (all on credit) to ensure I can take my little one to nursery and my partner and I can get to work everyday. I can't afford to buy a new car, as I can't afford any further repayments (a new car would have to be on credit). If the worst happens and I enter a DMP, I take it that is me stuffed and I wouldn't get credit again for anything, even an asset? So, God knows what I am going to do if the car dies on me one day. As it stands I couldn't even afford the repairs at the moment.

By the way, don't let the small value in assets fool you. The house is worth about £200k but try getting that in the current market. A neighbour had their house on for 18 months, kept reducing the price and still couldn't sell it. Also, please don't suggest a re-mortgage. I am on a fixed term until 2014 (best I could get at the time with my credit rating). It would cost me circa £3,500 to move or even change product with the same lender. I don't have £3,500.

Can things get any worse? Life is pretty s**t. I have never had debt problems in the past and can't cope with having them now. I have no quality of life. I am not to bothered about myself, as I reason that I have got myself here therefore, I don't deserve anything new or nice. What does get me down a lot is that I can't provide for my family properly, I can't give my child the things other children at 3yrs are doing e.g. swimming, dancing, an occasional ice-cream. That is the bit that really makes me mad, sad and useless!:(

My partner's view is that a lot of other people are in the same situation and so it is ok to be where we are. In my view it is certainly not ok and we argue about our different views on money.

The main problem is cash flow at the moment. I have started a budget, although it only covers food, petrol and a few miscellaneous items. Even sticking to that is not going to help, because I have been doing the same for the last 2 years. I need to make a dent in the debt and can't find a way to do it, as there is no additional cash.

In three years time the loans will have finished and the fixed term on the mortgage will be up and I could probably get some savings on a variable rate (assuming the base rate is still low in 3yrs time). I just don't think I am going to get to that point without going under in the meantime.

Now that I have bored you all senseless, does anyone have any advice on reducing the debts, improving the cash flow and having a little extra cash to pay for the car, jobs around the home etc?
OR
Is a DMP unavoidable for the mess above?

All advice/help and any contsructive criticism will be gratefully received. Many thanks in advance.

Hi and welcome to the forum.

We can give you free impartial and confidential advice.

The sticking point may be your job and further job prospects. Some employers within the field you are about to qualify could possibly have issue with any type of debt solution and may actively check for any type of arrangement with creditors.

We cannot make comment on unions and professional associations and you would need to take advice from them yourself.

I would still recommend that you speak us to see which debt solution would suit your circumstances best. You would then know what options are available and would be able to approach and or investigate how this would affect any accountancy position.

The first step to take is to call our free Helpline on 0800 138 1111. We’re open Monday to Friday 8am - 8pm.

If you phone us it may be possible to refer you directly to a counsellor for immediate advice. Alternatively, we will arrange for an appointment to be booked at a time convenient for you.

Your situation maybe complex but we will be able to guide you through the options available.

I hope this helps.

Kind regards,

Mat