Let’s talk about debt

We’re expecting to have even more conversations about money this winter. Many people in horticulture are facing a perfect storm with the end of government COVID-19 support and a rise in energy prices, adding to an already fragile situation.

On top of this, the colder months are already a difficult time for seasonal workers with bad weather and shorter days limiting the working day, reducing earnings and making it harder to cope. A lot of the debt we see comes from lost employment such as this or through illness.

For many families on a low income essential items like food and school uniforms are paid by credit card or overdraft and bills like rent and council tax are in arrears. People aren’t living the high life; they’re just struggling to make ends meet.

We encourage people to talk about money as it can affect all areas of a person’s life. Debt can affect people’s sleep, appetite, employment, housing and their relationships. Research shows that people who talk about money make better financial decisions and feel more in control, but it’s not easy.

A call to the Perennial helpline is a huge turning point for service users. Being able to talk things over with an experienced debt advisor without judgement helps to remove any feelings of guilt or shame. Our advisors put things into perspective; often it’s not as bad as it might seem. After speaking to one of the team and putting a plan of action in place, people often feel relieved and ready to open up to family and friends which gives them an even wider support network.

There’s a range of options available, we find the solution that’s most appropriate and can help them put it into place. Our service is completely free and impartial. This is one of the things that sets us apart from some other debt advisors. All of our services are managed in-house; we’re authorised and regulated by the Financial Conduct Authority and our debt advisors are accredited members of the Institute of Money Advisers or Approved Money Advisers.

The team can help via email, WhatsApp, telephone, text and video call and there’s no set time limit when talking to someone. Our professional yet personal service means we can respond to a crisis in the moment and deal with a situation quickly, sometimes on the same day. We then work on more ways to help. Our relationship with the service user keeps going until they can manage, and even after that, we’re here if they need us.

Our debt advice service is authorised and regulated by the Financial Conduct Authority.

If you need support please call 0800 093 8543 or complete our contact form for confidential help and support. For more information visit Debt Advice | Perennial.