Money worries now

Sometimes the money going out can be more than the money coming in.

If this happens on a regular basis, things can get difficult, but it’s not impossible to sort out.

If you ever feel like things are starting to get out of hand, it’s always best to tackle the problem right away rather than wait and hope things go back to normal.

Are you in financial difficulties?

Try asking yourself these quick questions:

Are you worried about how much you owe?

Are you only repaying the monthly minimum for your debts?

Are you often late paying bills?

Do you sometimes go over your overdraft or credit limits?

Do you use your credit card to withdraw money from cash machines?

Are you borrowing even more to pay the debts you already have?

Are you reliant on your overdraft each month?

If you’ve answered yes to some of these questions, let us know. We may be able to help.

If you’re still unsure whether you need help with your finances, you can take the StepChange 60 second debt test. StepChange are an impartial debt help charity and can offer you advice and support.

We have a dedicated team that can provide tailored help and advice to improve your financial situation. We listen, we care for our customers and we want to help.

Before you call

How to ask for help

Understanding your incomings and outgoings

Benefits and universal credit

Before you call us

We ask that you get some of your information together beforehand so that we can provide you with the help you need.

If you’re experiencing any kind of financial hardship, we want you to call us as soon as you’re able to.

You will need to have information about your net income and outgoings such as bills, rent and all other expenditures.

If you are unsure about contacting us first, you can speak to an independent money advice organisation before you call us.

Understanding your incomings and outgoings

To help you get to grips with your finances you’ll need a clear record of what’s going into and out of your account. This will let you prioritise the most important expenses, and show you where you can save.

Most banks or charities will ask for this information so that they can develop a more personalised plan.

Get a clear picture:

So you get a clear picture of what’s coming and going out every month, take a look at your online banking or check your finances using our mobile app.

It’s a good idea to keep a spending diary for a month, it’ll show you where savings can be made.

Please remember, you can call us at any time to discuss your finances.

Register for online banking

Download our mobile banking app