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Debt Advice

At Pay Smart Carpets Limited we pride ourselves on being a responsible lender and understand that circumstances change and while we do not charge late fees, we would ask you to contact us immediately should you have any problems in making, or keeping up with payments.

Here to help

We are commited to helping customers who find themselves in financial difficulty, and have listed a number of organisations below which offer free debt advice and may also be able to help you.


Get free, non-judgemental and independent help and advice at Moneyhelper’s Debt Advice Locator Tool . You can also call on 0800 138 7777 or WhatsApp message +44 7701 342744.

If you are feeling overwhelmed, or that you can not cope with your finances there is also help available to support your mental wellbeing at or call 0800 138 7777.

National Debtline

National Debtline is a free telephone debt advice service for people in England, Wales and Scotland. They run a debt helpline and their website offers free debt solutions including debt management plans.

National Debtline was set up in 1987 and is part of the Money Advice Trust (MAT), a registered charity funded by the government and the private sector. The aims of the Money Advice Trust (MAT) are to support people with debt in the UK and to improve the standards of independent money advice.

Advice and services

Budgeting, debt solutions and free self-help information pack

My Money Steps – online self-help tool

  • Tricorn House
  • 51-53 Hagley Road
  • Birmingham
  • B16 8TP
  • Monday to Friday 9:00am – 9:00pm
  • Saturday 9.30am – 1:00pm

Step Change Debt Charity

The Foundation for Credit Counselling, trading as StepChange (formerly the Consumer Credit Counselling Service (CCCS)) is a debt charity registered in the United Kingdom. The organisation offers debt advice and money management and can be contacted through its freephone telephone helpline or online through StepChange Debt Remedy, its online debt advice tool.

Step Change Debt Charity

Debt Management Plan and insolvency advice

Online Debt Remedy self help tool

  • Wade House
  • Merrion Centre
  • Leeds
  • LS2 8NG
  • Monday to Friday 8:00am – 8:00pm
  • Saturday 8:00am – 4:00pm

Citizens Advice

Citizens Advice (previously Citizens Advice Bureau and also known as Cyngor ar Bopeth in Welsh) is a network of 316 independent charities throughout the United Kingdom that give free, confidential information and advice to assist people with money, legal, consumer and other problems.

Advice and services

Face to face advice on managing your money.

Online Budgeting tool

  • Your local branch can be found on the website
  • Hours vary depending on branch

Other Useful Organisations.

If you’re struggling to cope with things. The Samaritans don’t offer debt advice, but can provide free and confidential help and wellbeing support to anyone in distress. They are open 24hrs a day all year round. Call 116 123 or email [email protected]

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