Support service braced for busiest time of the year

Support service braced for busiest time of the year

Published by Mike Draper at 5:40am 15th January 2020.

4 minute read

A surge in demand is expected by Wiltshire Citizens Advice from people needing help with debt during January.

Most calls will come from people seeking advice about new year money worries and concerns about debt, including

council tax arrears, rent arrears, credit card debt, and utility bills.

  • Wiltshire Citizens Advice estimates it'll be contacted for help by around 300 people in January
  • In the past three years one person sought help from Citizens Advice every 10 seconds on one of the busiest days for debt advice

Analysis of national data over a 12-month period reveals that on a single day - 29 January 2019 - Citizens Advice offices helped 2,776 people. This is 24% above the daily average. 

In 2017 and 2018, the busiest day for debt advice fell on 31 January, with 2,762 and 2,775 clients seeking help respectively.

Bank notes and loose change on a kitchen worktop.
January sees rising numbers of people struggling with council tax and rent arrears, as well as credit card and utility bills.

SURGE IN DEMAND

Suzanne Wigmore, Chief Executive Officer of Citizens Advice Wiltshire, said:

"There is a surge in demand for our debt advice towards the second half of January.  We know that dealing with debt can be hugely stressful and that Christmas is often an additional burden for anyone already in financial difficulty. Citizens Advice can offer free and independent advice and support to help you deal with your debts and get back on your feet."

The Citizens Advice Wiltshire reception desk at The Five Rivers Health and Wellbeing Centre in Salisbury.
Citizens Advice Wiltshire has a help desk at Five Rivers Health & Wellbeing Centre on Hulse Rd in Salisbury.

FOR DEALING WITH DEBT

To help people kick off 2020 on a stronger financial footing, Citizens Advice Wiltshire is sharing its six top tips to help people get their finances in order for the year ahead.

Citizens Advice Wiltshire's six top tips to sort out your debts.

  1. Work out how much you owe - Make a list of whom you owe money to and add up how much you need to pay each month. If you don't have your most recent statements, contact your creditor to find out what you owe. 
  2. Prioritise your debts - Your rent or mortgage, energy and council tax are called priority debts as there can be serious consequences if you don't pay them. These should always be paid first. Separate these and work out how much you owe.
  3. Work out how much you can pay - Create a budget by adding up your essential living costs, such as food and housing, and taking these away from your income. Any money you have spare can be put towards your debts. Citizens Advice budgeting tool can help.
  4. Paying urgent debts - You might have to contact priority creditors quickly in urgent situations, like if you are about to be evicted. Tell them you're seeking debt advice so you can find a way forward. You could try to pay them something if you can afford to.
  5. Paying non-urgent debts - If you have any money left after paying priority debts, consider getting a free debt-management plan. You'll make one monthly payment to the plan provider, who will handle paying your creditors. Or contact your creditors and offer them what you can afford to pay.
  6. If you can't pay your debts - If you've got little or no money spare to pay your priority debts seek advice from us straight away.

CAB: MORE HELP IS ON HAND

For information and advice, contact Citizens Advice Wiltshire on 03444 111 444.

You can also drop into your local branch, find your nearest office on the Citizens Advice Wiltshire website.

Email Icon

Sign up for exclusive news, competitions and offers.
Proper Local News updates from Spire FM

© Copyright 2020 Spire FM, A UKRD group company