At Pay Smart Carpets Limited we pride ourselves on being a responsible lender and understand that circumstances change and while we do not charge late fees, we would ask you to contact us immediately should you have any problems in making, or keeping up with payments.
Here To Help
We are commited to helping customers who find themselves in financial difficulty, and have listed a number of organisations below which offer free debt advice and may also be able to help you.
Moneyhelper
Get free, non-judgemental and independent help and advice at Moneyhelper’s Debt Advice Locator Tool www.moneyhelper.org.uk/debt-advice-locator . You can also call on 0800 138 7777 or WhatsApp message 07701 342744.
If you are feeling overwhelmed, or that you can not cope with your finances there is also help available to support your mental wellbeing at www.moneyhelper.org.uk/wellbeing or call 0800 138 7777.
National Debtline
National Debtline is a free telephone debt advice service for people in England, Wales and Scotland. They run a debt helpline and their website offers free debt solutions including debt management plans.
National Debtline was set up in 1987 and is part of the Money Advice Trust (MAT), a registered charity funded by the government and the private sector. The aims of the Money Advice Trust (MAT) are to support people with debt in the UK and to improve the standards of independent money advice.
Advice and Services
Budgeting, debt solutions and free self-help information pack
My Money Steps – online self-help tool
Tricorn House
51-53 Hagley Road
Birmingham
B16 8TP
Monday to Friday 9:00am – 9:00pm
Saturday 9.30am – 1:00pm
Telephone: 0808 808 4000
Website: https://www.nationaldebtline.org/
Step Change Debt Charity
The Foundation for Credit Counselling, trading as StepChange (formerly the Consumer Credit Counselling Service (CCCS)) is a debt charity registered in the United Kingdom. The organisation offers debt advice and money management and can be contacted through its freephone telephone helpline or online through StepChange Debt Remedy, its online debt advice tool.
Step Change Debt Charity
Debt Management Plan and insolvency advice
Online Debt Remedy self help tool
Wade House
Merrion Centre
Leeds
LS2 8NG
Monday to Friday 8:00am – 8:00pm
Saturday 8:00am – 4:00pm
Telephone: 0800 138 1111
Website: https://www.stepchange.org/
Citizens Advice
Citizens Advice (previously Citizens Advice Bureau and also known as Cyngor ar Bopeth in Welsh) is a network of 316 independent charities throughout the United Kingdom that give free, confidential information and advice to assist people with money, legal, consumer and other problems.
Advice and Services
Face to face advice on managing your money.
Online Budgeting tool
Your local branch can be found on the website
Hours vary depending on branch
Website: https://www.citizensadvice.org.uk/
Other Useful Organisations.
If you’re struggling to cope with things. The Samaritans don’t offer debt advice, but can provide free and confidential help and wellbeing support to anyone in distress. They are open 24hrs a day all year round. Call 116 123 or email jo@samaritans.org