Disclaimer: These links are provided as an information service to the Public and our members.
(They are outside East Sussex Credit Union Control).
Note: Websites are information resources and are not usually definitive statements of law.
In the event of difficulty seek advice from a Government Agency/ Independent Advice centre.
Debt or Money Advice Principles:
It is best to avoid firms that send texts, use unsolicited 'cold calling', advertise on Radio/TV or send you direct mail as 'hidden' charges or legal complications may result.
These include Debt Management Companies who may be 'Legal' but may use tactics that some consumer bodies regard as 'unethical' or 'unfair' .
There are lots of companies out there who say they can get your debts written off for you, or get compensation for you by claiming that your credit agreements are unenforceable.
Be very careful. Most of these firms charge you large up-front fees for each agreement they agree to check, but with no guarantee that they will be successful in challenging your agreements. In most cases you will not get your money back if your claim is not successful.
Citizens Advice Bureau - Tel: 08444 111 444
The CAB offer advice services for all sorts of issues, but Debt and Money advice can be sought at their website or through your local CAB office. Please give them a call first, as an appointment may be needed.
Take a look at their website for general advice and local office details - www.adviceguide.org.uk
The Money Advice Service - 'Talk to MA' - Tel: 0300 500 5000
Offering free, impartial and independant advice. They provide a lot of self help information at their website or you can call them - no strings attached!
National Debtline - Tel: 0808 808 4000
The helpline that provides free confidential and independent advice on how to deal with debt problems.