About us

At HMAC, we believe no one should have to face debt alone. Our team of trained advisers offers free, confidential, non-judgemental, impartial debt advice in Harpenden and the surrounding area.

Who We Are

HMAC is run by a team of trained volunteers from local churches in Harpenden. We are motivated by compassion and a commitment to support people in our community who are struggling with debt.

Our work is rooted in our Christian faith — we want to share God’s love in a very practical way, by walking alongside anyone who needs help.

Although our advisers are volunteers, our service is delivered on a professional basis:: 

  • HMAC is regulated by the Financial Conduct Authority (FCA), giving you confidence that the advice you receive meets national standards. 

  • We are affiliated with Community Money Advice. 

  • All our advisers are trained to CMA level 3 – Generalist Debt Advice, and most have completed CMA level 6 – Specialist Debt Advice.

Our Story (Timeline)

  • 2008 - Outreach work begins and first advisers trained

  • 2008 - Affiliation with Community Money Advice

  • 2008 - Licenced by the Office of Fair Trading (prior to regulation transferring to the Financial Conduct Authority)

  • 2009 - We saw our first clients

  • 2012 - Registered as independent charity

  • 2014 - Registered with the Financial Conduct Authority

  • 2021 - 500th client supported

  • 2026 - 1,000th client supported

Our Impact

  • Over 1,000 clients supported

  • Over £11 million in problem debt supported through advice and guidance

  • 97% of clients rate our service 5 out of 5

  • Supporting the community for 18+ years

Our Trustees

David Key (Chair)
Darren Bennet
Revd. James Brown
Phil Ioannou
Richard Payne
Janice Stephens

Our Advisers & Team

Rijk Broekhuis
Richard Clarke
Jane Deller
Anne Edwards
Phil Ioannou
Richard Payne
Karen Peters
Janice Stephens
Tony Wood

Further information about our trustees and advisers will be added shortly.

Supporters & Partners:

We are grateful for the organisations that support our work through funding, partnership, and practical collaboration, including:

All Saints Church
Bethany Community Church
ChristChurch Harpenden
Harpenden Trust
High Street Methodist Church
James Marshall Foundation
Kings Pantry
MMRG Limited
The Rock Church