Money advice

If you are starting to miss bill payments, don’t ignore the problem. You need to take action quickly to stop the situation getting any worse. Let us help you so your debt doesn't spiral out of hand.

Debt advice


Irvine CSC (1)

We know that debt is overwhelming…

If you’re in debt, you need to take action quickly to stop the situation getting any worse.  It is vital that you contact us to let us know if you are, or expect to have problems paying your rent. It is also important that you gain independent advice to address the problem.

StepChange Debt Charity

We work with StepChange who can provide free expert debt advice based on each individuals personal circumstances. They provide free telephone debt information and advice for anyone experiencing debt problems, including payday loans and bank debts. StepChange offer advice on all Scottish debt solutions including a debt arrangement scheme, trust deed, minimal assets process or sequestration.

Their website provides a list of debt advice tools to help people get free anonymous debt help 24 hours a day. These range from a 60-second debt test, to quickly assess the scale of the problem, to Debt Remedy, a full online debt advice and budgeting tool that provides a personal action plan to help people take their first steps out of debt.

You can also get in contact with StepChange by telephoning their free debt helpline on 0800 138 1111 which is open Mon-Fri 8am-8pm and Sat 8am-4pm (calls free from landline and mobile) Alternatively you can request a call back.

When making contact each individual will be asked how they heard about Step Change. You can advise that you were made aware of their services through Irvine Housing Association. Please note that we only receive information on the total number of tenants that StepChange have supported, their advice is given confidentially and no personal information is disclosed to us regarding individual cases.  

Preparing to meet a Debt Advisor

Make a list of all the people you owe money to (your creditors) and how much you owe. Find the original loan agreement, or the last statement or bill you’ve been sent. If you’ve been sent court papers or letters that seem urgent, get help straight away. You’ll also need proof of the income that you’re getting, such as your pay slips or benefit statements.

Useful Tips

√  Do get professional advice

Χ  Don’t ignore the problem

√   Do make a list of everyone you owe money to and let them know that you are having problems

Χ  Don’t borrow more money to repay your debts

√   Do prioritise debts and pay these first