Registered Charity 1161164. Authorised and regulated by the Financial Conduct Authority.
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Sometimes debts can be written off very quickly - we saw a client on Thursday and her Debt Relief Order was approved today! This is what she said:![]()
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"Just wanted to say thank you so much for all the help and support. You helped me so much and all advice and support was clear. I never felt judged or uncomfortable and I left feeling happier and lighter that I could get on top of my debts with less stress. I can’t thank you enough and I feel this service is clear, great and judgement free.![]()
Thank you again."![]()
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Please get in touch to see what options are open to you.![]()
Email: info@hmac.uk Call: 07954 276281
A number of our clients have found themselves in debt after they leave an abusive relationship. A partner has controlled the finances making them take out debt. Not only are they struggling with the trauma from the relationship, but also have the worry of debt. Bankruptcy (such as a Debt Relief Order) can be a good option in this situation, giving them a fresh start, free from debt. We recently helped a client in this situation writing off £7,000 of debt. It would have taken many years to repay the debt by repayment plan, leaving the debt and past hanging over them. They can make a fresh start and plan for the future. ![]()
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If you would like help with your debts please get in touch:![]()
Call 07954 276281 Email: info@hmac.uk ![]()
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#DebtAwarenessWeek #debtawarenessweek2023 #problemdebts #FreeDebtAdvice #debtadvice #DrO #Debtrelieforder #IVA #individualvoluntaryarrangement #BreakFreeFromDebt #debtfree
This Debt Awareness Week, if you or anyone you know is struggling with debts or money worries, please get in touch with us. ![]()
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Our service is free and confidential. We’d love to see how we can help. ![]()
To get in touch: Call 07954 276281 or email info@hmac.uk![]()
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#DebtAwarenessWeek #DebtAwarenessWeek2023 #ProblemDebts #FreeDebtAdvice #DebtAdvice #DRO #DebtReliefOrder #IVA #IndividualVoluntaryArrangement #BreakFreeFromDebt #DebtFree #CommunityMoneyAdvice
It's Debt Awareness Week - a time to raise the profile of free debt advice. If you or anyone you know is struggling with problem debt please get in touch. Our advice is free, impartial and confidential. Call: 07954 276281 or email info@hmac.uk![]()
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Here's a review of our activities in 2022.![]()
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#DebtAwarenessWeek #debtawarenessweek2023 #problemdebts #FreeDebtAdvice #debtadvice #DrO #Debtrelieforder #IVA #individualvoluntaryarrangement #BreakFreeFromDebt #debtfree
For Debt Awareness Week we are sharing Jane's story![]()
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Jane contacted us in October 2020 for help to get a Debt Relief Order (which would write her debts off). She had been struggling with debts for some time but things had now reached a crisis point. She thought that she had about £11,000 worth of debt. She had 2 attachments of earnings (where a court order allows debts to be repaid directly from wages) as well as hassle from bailiffs over unpaid council tax debts and various other creditors chasing her. This left her with not enough to live on. During the first meeting we established that because she had been repaying a loan to a friend ahead of other creditors, we would not be able to apply for a DRO for 2 years. She was very disappointed, as she just wanted to be free of all those debts. Instead, we had to put her on to a Debt Management Plan (where we negotiate repayments with her creditors), until we could apply for the DRO.![]()
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We immediately liaised with her priority creditors and were able to reduce the attachment of earnings and repayments to bailiffs to the minimum levels, and put £1 per month repayment plans in place for the other creditors. We found that in reality her debts were nearly £30,000, and ended up negotiating with 39 creditors on her behalf.![]()
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There were a number of twists and turns along the way when Jane struggled to maintain the repayment plan, and her mental suffered as a result. Thankfully, each time we found a way through, working with her creditors to find a plan that worked for her. Towards the end of 2021, things were difficult due to some health issues which resulted in Jane taking some time out of work, so we put her into “Breathing Space”. This put the repayment plan on hold for 2 months to allow time for things to improve. ![]()
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By October 2022 we should have applied for the DRO, but unfortunately Jane’s debts had increased to just over the £30,000 DRO limit and so we had to wait until January 2023 before we could apply. The DRO was approved within a few days that meant that she was now debt free. This was such a relief for Jane and now means that she can now look forward to the future. She told us she had learned so much about managing her money during the process and was extremely grateful to Harpenden Money Advice Centre for their help. “Without you by my side I would have given up on the repayment plan a long time ago. There were times when things seemed impossible but you always found a way through – now I am debt free I can plan for the future - I can’t thank you enough.” ![]()
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To protect the privacy of our client a different name has been used.![]()
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If you would like help with your debts please get in touch:![]()
Call 07954 276281 Email: info@hmac.uk ![]()
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#DebtAwarenessWeek #DebtAwarenessWeek2023 #ProblemDebts #FreeDebtAdvice #DebtAdvice #DRO #DebtReliefOrder #IVA #IndividualVoluntaryArrangement #BreakFreeFromDebt #DebtFree
We frequently see clients with failed Individual Voluntary Arrangements (IVAs). Yesterday we saw a client who had signed up to pay £100 per month for 5 years. She made 2 payments before it failed. Having reviewed her income and costs we cannot see how she could have afforded this. She meets the criteria for a Debt Relief Order which will cost £90 and mean she is debt free and can make a fresh start. ![]()
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We provide free, impartial and confidential advice and will always help you find the best debt option for your personal circumstances. ![]()
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Contact us: info@hmac.uk 07954 276281![]()
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#debtadvice #IVA #individualvoluntaryarrangement #individualvoluntaryarrangements #DrO #Debtrelieforder #FreeDebtAdvice #harpenden #CMA #communitymoneyadvice
A client contacted us in a panic. They’d had a £6,500 energy bill and their direct debit was increasing from £90 to £1000 per month! Thankfully easily resolved - the energy company had read the downstairs neighbours meter. We contacted the company with a new reading, and the client is now in credit! ![]()
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#DebtAdvice #CMA #HereToHelp #harpenden
Budgeting and debt advice, face to face or on-line. Our services are free, confidential, non-judgemental and impartial. We will help you find the best debt option for your personal circumstances. ![]()
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Phone 07954 276281 to make an appointment, or pop into our Drop in![]()
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Authorised and regulated by the Financial Conduct Authority![]()
Registered Charity 1161164![]()
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#debtadvice #FreeDebtAdvice #debtadvisors #DrO #debtmanagementplan #Debtrelieforder #harpenden #freedomfromdebt #hopeforthefuture #communitymoneyadvice #Benefits #pensioncredits #heretohelp
Our Drop-In “Talk about Money” is back! Every other Thursday morning between 10 and 12 at High Street Methodist Church, right in the centre of Harpenden High Street between Boots and WHSmiths. ![]()
So many people have questions about money, particularly at the moment, and we hope this will provide an opportunity to just pop in to see how we can help. We can help people with a whole range of questions about money including budgeting, help with managing debts, reviewing eligibility for benefits and pension credits, help filling in forms and much more. So please drop in!
Wishing all our clients and supporters a Merry Christmas and Happy New Year. ![]()
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We'll be back in 2023 to help if you are struggling with your finances and have debts. Thank you to our supporters and volunteers who make it all possible.
