Did you know you can make an informal appeal about a parking fine in certain circumstances? How to appeal depends on the type of parking ticket you have – check what the ticket says before you start. Don’t pay a parking ticket that you’re appealing. Usually, paying is seen as admitting the ticket was[…]
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Debt & Money
If you’ve been struggling to keep up your mortgage payments, you may have started to build up a debt. This is often called mortgage arrears. “Mortgage debt is rising – from about £3,000 in 2019 to nearly £6,000 now. “This is an average, many people have much higher debt”… Emer Demeza Sheehy, national[…]
If you are worried about debt and money? there are ways we can help: 1. Use our budget planner tool to understand your spending. 2. Find out if you could be eligible for financial support. 3. Get help and advice if you’re struggling to pay off debt. Visit our national website to discover more about[…]
If you’re struggling to pay your bills you should work out what’s a priority and non-priority bill
Debt & Money Mar 20, 2024
Priority bills should come first. Falling behind on them can lead to priority debt which can cause serious problems. “Talking about money isn’t always easy. So much so that 90% of young people feel uncomfortable discussing finances. It’s become ‘the elephant in the room’ for many.” Read more in our article ‘Your starter guide to[…]
We all recognise that our income doesn’t buy as much as it used to. Although inflation is coming down, that doesn’t mean that the cost of living is coming down. The cost of living is still going up, but it isn’t going up as quickly as it was last year. For a long time Citizens[…]
We’re helping a record number of people who are struggling to pay for energy
Debt & Money, News Feb 01, 2024
Price rises from January will pile even more pressure on millions of households in the UK In a world where the Cost of Living seems to rise continually, many individuals find themselves struggling to make ends meet. For some, the simple act of topping up their prepayment meter becomes a daunting challenge. In 2022, Citizens[…]
You might be able to get help if you’re struggling to afford your energy bills or top up your prepayment meter. Discover more at our national website including: Check if you can get a fuel voucher If you don’t use gas or electricity to heat your home Check if you can sign up to the[…]
There are things you can do if you’re struggling to pay your bills – for example your energy bills, rent and council tax. Visit our national website for more information about these topics: Check if you can get extra help or money Check what help you can get with your bills If you’re struggling with[…]
There are many ways to borrow money so it’s important you look into the different options before you borrow. It can help you check what’s best for you. Click here to discover more about the types of borrowing at our national website: Payday loans Plastic cards Loans Hire purchase and conditional sale If you’re struggling[…]
As inflation rises and interest rates reach levels not seen since the crash of 2008, there are few of us who can escape the current cost of living crisis; but for some of the most vulnerable, the ‘Mental Health Premium’ – as Citizens Advice has called it – is having an even greater impact. Our[…]
“Small claims are for simple cases that don’t involve large amounts of money or complicated issues. They’re often used to get compensation or your money back if something’s gone wrong. Small claims are never usually for more than £10,000.” You can use small claims for things like: a faulty product poor service being owed a[…]
Veronica was already struggling with the cost of living crisis. So when she needed to find an extra £150 each month for her increased mortgage payment, her budget couldn’t cover it. She’s now over £30 short each month. “In January, Veronica* suddenly found her budget impossible to balance. Her fixed-rate mortgage came to an end[…]
If you’re struggling with money and mental health, Citizens Advice is here to support you. Watch our national Citizens Advice Tiktok video for advice (don’t forget to turn on the sound on the bottom right). Need help with a range of everyday issues such as housing, benefits, employment, family, debts, etc? Contact us for free[…]
Dealing with mortgage arrears can be stressful. If you get into debt (‘in arrears’) with your mortgage payments, don’t wait for your lender to contact you. They’ll normally write to you within 15 days of a missed payment, but you should talk to them as soon as possible. Our online debt advice can help you[…]
Hidden debt scandal – how profit-making firms and unsuitable ‘solutions’ leave people in deeper financial trouble. Citizens Advice advisers at the frontline are sounding the alarm, as a sector-wide survey of more than 560 of our national debt advisors found that 84% said they have spoken to clients in failed or unsuitable Individual Voluntary Arrangements[…]
