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All Students - Money Matters
Debt
The best way to avoid debt is to budget your income so that you spend within your means. If you find yourself in debt there are several sources of help which you can turn to to help manage and control any problems you may be experiencing. The Student Union at the University has a specialist debt advisor who can negotiate with creditors on your behalf. Staff in Student Services can also offer general help and advice. Your local Citizens Advice Bureau will offer a range of services, including debt advice
There is a range of on-line sources of advice you may refer to below
National Federation for Debt Counselling - http://www.debtadvice.org
Consumer Credit Counselling Agency - http://www.cccs.co.uk
National Union of Students - NUS On-line - http://www.nus.org.uk/
Lancaster CAB - http://www.lancastercab.org
Credit Action Trust - http://www.creditaction.com or tel 0800 1381111
National Debtline 0808 808 4000
MoneySavingExpert - Martin Lewis - Debt help
Remember it's often best to get free impartial advice and potentially assistance from one of the above sources before turning to commerical 3rd party debt management companies. This is because while these companies can often reduce debts they add their own charges to overall repayments.
You can apply for a copy of your credit report under Government legislation by contacting a credit reference agency such as those below:
http://www.annualcreditreport.co.uk
http://www.experian.co.uk
http://www.equifax.co.uk
Remember: Don't let debt get you down - take action; get help.
