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Where can I get Free Independent Money Advice?

If you are struggling with your finances, you may want to consider contacting a free debt advice organisation.

There are a number of organisations who can help. Ulster Bank work in partnership with Payplan. (opens in a new window) (a third party company), who offer free  and confidential debt advice, helping you take control of your finances. If you find yourself worrying about debt, PayPlan offer advice by phone, email and live chat making it quick and easy to access the advice you need. Arrange a call or email back from Payplan. (opens in a new window)

Payplan can assist with Debt Management Plans, advice on Bankruptcy, IVAs (Involuntary Arrangements), Debt Relief Orders and give you general advice about budgeting. Please find more information on Payplan. (opens in a new window) here.

What are signs that I might need help?

  1. You’re regularly spending more than you earn.
  2. You’re worried about paying back the money you owe and your debts feel like a huge burden.
  3. You’re dealing with difficult circumstances that make it hard for you to manage your money
  4. You’re being contacted about unpaid bills and missed payments.
  5. Several of your cards are at the maximum credit limit.