Dealing with post-Christmas debt

If you’re starting the New Year with more debt than you can cope with, our free Debt Advice Service for members could help you find the right solution to becoming and remaining debt-free.

We all know that Christmas can be expensive, but with more than one million people turning to a payday loan* to help cover the cost, financial problems can quickly start to mount up.  

If you're starting the New Year with more debt than you can cope with, it's time to take action. We can help. We've teamed up with Payplan to offer our members a free Debt Advice Service that could help you find the right solution to becoming and remaining debt-free.

Payplan is the UK's largest provider of free debt advice and has successfully helped over a million people deal with their debt problems.  

Our advice is confidential, independent and non-judgmental. You'll receive support tailored to your personal circumstances from fully trained professional staff, giving you comprehensive advice and guidance. We can help you maximise your income, reduce your expenditure and manage your money effectively.

The Debt Advice Service can offer practical help and support in the following ways:  

  • Dealing with creditors on your behalf
  • Negotiating for frozen interest and charges
  • Distributing your money to creditors in a single affordable payment every month
  • Providing you with online access to your own personal account, so you can track your payments and contact your case officer directly, 24 hours a day

Claire Long, Head of Welfare Services, said: "There's a lot of pressure to have the 'perfect' Christmas, which can mean that many people overstretch themselves financially at this time of year. While many can deal with this by simply tightening their belts in the New Year, for some the problem can be too big to deal with alone.

"Sharing your concerns with those closest to you isn't always an option, but ignoring the issue can make things worse. If you're struggling to cope with debt, no matter what your situation, our Debt Advice Service is committed to finding a realistic solution that's right for you and your family."

Call us on 0800 197 6879 if you feel the Police Mutual Debt Advice Service could help you.

*Source: The Money Charity