Debt advice resources

Vetlife Helpline – 0303 040 2551

You may find it helpful to speak to someone with personal experience of the veterinary profession about your finances and anything else that is troubling you. Vetlife Helpline offers an empathic listening service and can tell you how to get more specialist help if necessary.  You can also register to send anonymous emails to the service – your email address will be hidden.

Vetlife Health Support

If there seems to be a link between your financial problems and a mental health issue (this is pretty common), Vetlife Health Support is available to provide completely confidential professional help.

Vetlife Financial Support – 020 7908 6385

Usually Vetlife Financial Support would be the fourth line of assistance to veterinary surgeons and their dependants after State benefits, personal savings and the family.  As well as providing financial assistance to those who are eligible, it can fund professional debt and benefits advice where needed.

Consumer Credit Counselling Service – 0800 091 1514

This is a national charity offering free and impartial debt advice and a range of debt solutions including a free debt management plan service.

CCCS website

National DebtLine – 0808 808 4000

A free, confidential and independent advice service funded by the Money Advice Trust.

www.nationaldebtline.org

Business DebtLine – 0800 197 6026

Free confidential advice for small businesses. See below for a link to their website.

www.businessdebtline.org

GOV.UK

GOV.UK’s Money & Tax page and Benefits page covers everything from benefits and financial support, tax, child benefit and pensions to managing money and managing debt. Well worth a visit.

Moneysaving expert.com

Moneysavingexpert.com has money-saving tips and advice on debt, debt management, banking, credit cards, car insurance, gas and electricity, paying off mortgages, drawing up and living within a budget etc. There is also an active online forum, with people chatting together online, sharing advice, encouragement, support and tips.

Credit Action – the national money education charity

The Credit Action website offers a range of resources, tools and training to help everyone handle their money well and also to help others to do so.

Budget Builder – an online interactive budgeting tool that allows you to manage your income and expenditure

Moneymanuals is a range of downloadable manuals covering topics such as Dealing with Debt, Redundancy, Savings & Investments, Students, etc.li>

Step Change

www.stepchange.org is an online, anonymous, debt counselling website.  You can also telephone them on 0800 138 1111.

Money Advice Trust

Money advice trust– a charity with a remit to help people across the UK to tackle their debts and manage their money wisely. A wide range of advice and other features.

My Money Steps

My Money Steps – National Debtline’s free, confidential and impartial online service. National Debtline is a free, independent and confidential debt advice service run by the charity Money Advice Trust. Telephone helpline: 0808 808 4000.

The Citizens Advice Bureau

The CAB is always full of reliable, useful information and the Debt & Money section of the CAB Adviceguide website is no exception. Lots here including how to sort out your debts, dealing with urgent debts, dealing with creditors, bankruptcy and more.

GOV.UK Business Finance

See the Business Finance page of the GOV.UK  website – giving options on raising finance, managing finance and financial difficulty.

Business Debtline

Business Debtline – debt advice for self-employed people living in different parts of the country – different parts of the site apply to England & Wales and Scotland (they don’t cover Northern Ireland).

Sources of Financial Help

Elizabeth Finn Care

Elizabeth Finn Care – a national charity giving direct financial support to individuals in need with savings of less than £4,000. Linked to Turn2us below.

Turn2us

A charitable service helping people access money available from welfare benefits, grants and other help. Information on managing money including the financial aspects of the death of someone close, getting divorced, long-term illness, redundancy and retirement. The Turn2us Benefits Search page helps you check to see whether you might be entitled to benefits – just because you are a professional person, don’t assume that you won’t be entitled.

The Disability Alliance

The Disability Alliance – advice and information on benefits for the disabled.

Benefits And Work

Benefits & Work – comprehensive information on Disability Living Allowance, Attendance Allowance and Carers Allowance and allows you to assess yourself.

Remember – no debt problems are unsolvable!