Debt advice

We know that talking about debt can be difficult. That’s why we have partnered with PayPlan to ensure that people working in horticulture across the UK can access free debt advice services and have the support they need.

We can help

Our debt advice partner, PayPlan will tailor their advice based on your situation. They are not there to judge but to understand your particular circumstances and to help you get back on track.

You'll discuss your current situation and debts you may have, as well as the goals you'd like to achieve when it comes to your money. Debts include different kinds of money you owe. Common types are credit card debt, personal loans, car finance and mortgages. You may also have unpaid bills for essential services like rent, council tax, and utilities.

These are some things our partner, PayPlan, might be able to help you with:

⁺Our helpline is open 9am – 4.30pm Monday, Tuesday, Wednesday and Friday. Open 10am – 4.30pm on Thursday. Excludes bank holidays.

Some debts like credit cards, loans and car finance is known as Consumer Credit.

Our advice on Consumer Credit and Mortgage debt is authorised and regulated by the Financial Conduct Authority.  We do not charge for the services we provide including our regulated activity.

PayPlan, our debt advice partner, is authorised and regulated by the Financial Conduct Authority

For regulated activity you have the right to complain to the Financial Ombudsman free of charge, if you are not satisfied with our response or if we fail to respond to you within eight weeks. Find out more about the Financial Ombudsman Service.

You can find more information about Our Approach to Services and our Terms and Conditions of Service.