Stay in control of your money
If you find you're not keeping up with your day-to-day bills and are worried you're losing control of your budget, we can help you get the information or advice you need to help feel more confident and keep up with your payments.
Independent advice
If you feel your budget is slipping, to help get you on track there are a range of organisations you can contact for free, independent advice about managing your debt.
National Debt Line – Free independent and confidential advice on debt management plans. Phone 0808 808 4000
www.nationaldebtline.co.uk
Citizens Advice Bureau – Free practical information via the phone or face to face with a trained counsellor on a range of topics including; housing, benefits, debt and legal issues.
www.nacab.org.uk (England & Wales)
www.cas.org.uk (Scotland)
www.citizensadvice.co.uk (Northern Ireland)
Consumer Credit Counselling Service (CCCS) – Free confidential advice on how to deal with debt including payment offer plans. Phone 0800 138 1111
www.cccs.co.uk
Credit Action – Free information and self help guides.
www.creditaction.com
Money Advice Map – For an easy-to-use search facility that allows you to find your nearest free and independent, face-to-face, money and legal advice centre - just enter your postcode.
www.moneyadvicemap.org
If you do not keep up with your GE Money mortgage repayments, we may take action against you, and your information will be registered with credit reference agencies. This means you could find it harder to borrow money in the future.
If you find yourself in the difficult situation of not being able to make your mortgage repayments, it is important you call us right away. We are committed to working with you, and we have a range of options that could make things easier depending on your circumstances. Click here for more information.
What happens if I don't keep up with payments?
If you do not keep up with your mortgage repayments, we may take action against you, and your information will be registered with credit reference agencies. This means you could find it harder to borrow money in the future.
If you find yourself in the difficult situation of not being able to make your mortgage repayments, it is important you call us right away. We are committed to working with you, and we have a range of options that could make things easier depending on your circumstances. Click here for more information.
If you've already taken steps to keep control of your finances, it's important to learn from your experiences:
- Understand exactly where things started going wrong – and know the warning signs.
- Recognise what luxuries you can live without, and understand your budget.
- Think very carefully before you take out any more credit – especially when interest rates are high.
- If you do decide to take out credit again, take time to shop around for the best deals.
- If possible, do not rely on credit cards – when you rely on debit cards and cash, you'll always know you're not living beyond your means, or alternatively, pay the balance on your credit card in full every month.
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