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Financial Difficulty

 

Salford Support Fund

If you are experiencing severe financial difficulty then you may be eligible for support through the Salford Support Fund. For more information relating to the fund, please click here.

Debt

If you have a debt problem, there are many organisations that offer free and independent debt advice over the telephone or face to face. They can help you work out the best way to deal with your debts and answer any questions you have.

Getting Advice

Many organisations provide debt advice or act for you in negotiations with your creditors (people you owe money to). For example, they can find the best way for you to deal with your debts and set up an arrangement with your creditors.  

Not all debt advice is free and some organisations may charge a fee. You should check if there are any fees and how and when you might have to pay them.

Organisations offering free help and advice

Many organisations offer free and independent advice to help you deal with debt problems. Some of these organisations are listed below along with their contact details.  
 

Citizens Advice Bureau can help you resolve legal, money and other problems by providing free information and confidential advice from over 3,200 locations around the country. 

 

The nearest branch to Salford University is located at:

Salford Precinct -CAB
25a Hankinson Way
SALFORD
Greater Manchester
M6 5JA

Helpline: 0844 826 9695

www.citizensadvice.org.uk and www.adviceguide.org.uk

 

Debt Advice Foundation, a registered UK charity, operates a free telephone debt advice helpline. Their advisers may help you to consider different options. Consider the freebies such as the debt analysers, budget planners, and the Practical Guide to Money Management.

Helpline: 0800 043 4050
http://www.debtadvicefoundation.org/
The National Debtline offers free, confidential and independent help over the phone for people in England, Scotland and Wales. Once online you are met with an interactive and well-designed 4-step solution. You may also be greeted with a pop-up inviting you for a friendly web chat! They also publish over 40 factsheets on the various aspects of debt and its solutions.

Helpline: 0808 808 4000
http://www.nationaldebtline.co.uk/
Debt Support Trust is a debt advice charity offering telephone or internet-based debt advice. Once online you are invited to 'take the debt test' which is a short questionnaire. You ring them or book online to arrange a callback at a time to suit you.

Helpline: 0800 085 0226
http://www.debtsupporttrust.org.uk/
StepChange began in 1993 by offering free debt advice over the phone. While they still offer this they have expanded their services. These now include the online tool called 'Debt Remedy', and a seven day email program called '7 days 7 ways', which is designed as a budget management educator. You learn in bite-sized chunks so you're not overwhelmed. Why not try it?

Helpline: 0800 138 1111
http://www.stepchange.org/
Civil Legal Advice (CLA) is a free and confidential advice service in England and Wales paid for by legal aid. If you are living on a low income or benefits, you may be eligible for free specialist advice from legal advisers on issues including: benefits and tax credits; debt, education; housing; employment; and family problems. The advice is independent and confidential. Civil Legal Advice will ask you questions about your problem and find out what help you need. You will be asked a number of questions about your finances to see if you are eligible for legal aid. Civil Legal Advice also has a free translation service in many languages.

 

Helpline: 0845 345 4 345

Opening hours: Monday to Friday 9.00 am to 8.00 pm, Saturday 9.00 am to 12.30 pm

If you're being threatened with legal action, and you qualify for legal aid, you can get free and independent advice from your local Law Centre. The Law Centres Federation does not employ lawyers and cannot give any legal advice. However, Law Centres can offer legal advice in areas of social and community law and therefore should be able to assist you. 

 

Please see the list of law centres to contact your local one.

If you live or work in Salford they can offer you free, confidential and independent advice on your welfare benefits, tax credits or debt problems. They can help you find out about the benefits and tax credits you are entitled to and assist with claim forms. If you have debt problems they can help you draw up financial statements, negotiate with your creditors and represent you in court.  

Welfare Rights Advice Line: 0800 345 7375  

Debt Advice Line: 0800 345 7323

Address:

Crompton House 100 Chorley Road Swinton
Salford
M27 6PB

A useful free resource is Money Advice Service. There are lots of useful information available on the website. http://www.moneyadviceservice.org.uk including interactive tools such as budget planning. You can also call them on 0300 500 5000.

 

Other useful contacts:  

www.direct.gov.uk

http://www.hmrc.gov.uk/taxcredits/

Guidance at the University

No matter what your problem is, if you think it is too big or too small our Specialist Advisers can guide you to getting the help you need. Please come and see one of our advisers by calling into University House or by calling us on 0161 295 0023 alternatively you can email us directly at moneymatters@salford.ac.uk .