If you are behind with your mortgage payments
(in arrears), you might be feeling overwhelmed or scared. Don’t
panic; many people are in the same situation. You are not alone. But
don’t ignore the problem – it won’t go away. You can
take action now:
- Contact your mortgage lender straight away to tell them you are
having difficulties.
- Contact your local debt advice centre. They are approachable,
non-judgemental,
and have lots of experience helping people get
out of debt.

Citizens Advice Bureau:
Find your local Citizens Advice Bureau: England
and Wales / Northern
Ireland / Scotland
Direct.gov.uk
Find your local authority, who can direct you to local debt advice agencies.
Community Legal Advice
You might be eligible for legal aid. Find
your local legal advice centre.

CCCS is a registered charity
offering free, confidential advice and support to anyone who is worried
about debt..
0800 138 1111 freephone
National Debtline
- The helpline that provides free confidential and independent advice
on how to deal with debt problems.
0808 808 4000 freephone
CAB Advice guide - All
the information you need about your rights in legal and money issues.
Credit Action is
a national money education charity with a really useful website.
Christians Against Poverty is
a national debt counselling charity with a network of centres based
in local churches.
01274 760720