{"id":1211,"date":"2021-07-16T12:15:34","date_gmt":"2021-07-16T12:15:34","guid":{"rendered":"https:\/\/castlecommunitybank.co.uk\/?page_id=1211"},"modified":"2024-08-15T10:32:38","modified_gmt":"2024-08-15T10:32:38","slug":"debt-management","status":"publish","type":"page","link":"https:\/\/castlecommunitybank.co.uk\/loans-old\/debt-management\/","title":{"rendered":"Debt Management"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_image=&#8221;https:\/\/castlecommunitybank.co.uk\/wp-content\/uploads\/2021\/01\/HeaderCCB.png&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_header title=&#8221;Debt management&#8221; content_max_width=&#8221;50%&#8221; content_tablet=&#8221;&#8221; content_phone=&#8221;&#8221; content_last_edited=&#8221;on|phone&#8221; content_max_width_tablet=&#8221;80%&#8221; content_max_width_phone=&#8221;100%&#8221; content_max_width_last_edited=&#8221;on|phone&#8221; module_id=&#8221;mcb-hs1&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#1e242e&#8221; background_enable_image=&#8221;off&#8221; width=&#8221;%2279%22&#8243; max_width=&#8221;100%&#8221; min_height=&#8221;414px&#8221; height=&#8221;%2280%22&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;100px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<span style=\"font-size: 16px;\">The financial well-being of Castle Community Bank Members is our priority.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<br \/>\n[\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;mcf-sec&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px|&#8221; z_index_tablet=&#8221;500&#8243; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;|auto|56px|auto||&#8221; custom_padding=&#8221;||7px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5>There are a variety of reasons you may find yourself struggling with debt, many of which can be beyond your control. According to the debt charity Stepchange, the top 3 reasons for calls to their helpline are:<\/h5>\n<ol>\n<li>Reduced income<\/li>\n<li>Unemployment or redundancy<\/li>\n<li>Injury or illness<\/li>\n<\/ol>\n<p><span style=\"font-size: 16px;\">Castle Community Bank are a responsible lender and we want to work with our customers and help when difficulties are encountered. So, if you are experiencing debt problems, please make sure that you get help straight away by speaking to us before it spirals out of control.<\/span><\/p>\n<p><strong><\/strong><\/p>\n<p><span style=\"font-size: 16px;\">The organisations below are also sources of free help and advice when it comes to debt problems.*<\/span><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><a href=\" https:\/\/www.stepchange.org\/\"><strong>Stepchange<\/strong><\/a><\/span><br \/> A free confidential service to help achieve realistic solutions to debt problems.<\/li>\n<li><span style=\"text-decoration: underline;\"><strong><a title=\"Citizens Advice Bureau England\" href=\"https:\/\/www.citizensadvice.org.uk\/\">Citizens Advice Bureau\u00a0England<\/a><\/strong> <\/span>and <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.citizensadvice.org.uk\/scotland\/\">Scotland<\/a><\/strong><\/span><br \/> Citizens Advice Bureau \u2013 providing free, confidential and impartial advice on debt.<\/li>\n<li><span style=\"text-decoration: underline;\"><a title=\"AdviceUK\" href=\"https:\/\/www.adviceuk.org.uk\/\"><strong>Advice<\/strong><\/a><strong><a title=\"AdviceUK\" href=\"https:\/\/www.adviceuk.org.uk\/\">UK<\/a><\/strong><\/span><br \/> The largest UK network of advice-providing organisations.<\/li>\n<li><a href=\"https:\/\/www.moneyhelper.org.uk\/en?source=mas\"><strong><span style=\"text-decoration: underline;\">Money Helper<\/span><u><br \/> <\/u><\/strong><\/a>A government run bureau that provides help and guidance on a number of aspects including debt, benefits and retirement options<\/li>\n<li><span style=\"text-decoration: underline;\"><a title=\"National Debtline\" href=\"https:\/\/www.nationaldebtline.org\/\"><strong>National<\/strong><strong> Debt Helpline<\/strong><\/a><\/span><br \/> Free and independent debt advice available<\/li>\n<li><a href=\"https:\/\/www.gov.uk\/government\/publications\/debt-respite-scheme-breathing-space-guidance\/debt-respite-scheme-breathing-space-guidance-for-creditors\" style=\"font-size: 16px;\"><span style=\"text-decoration-line: underline;\"><strong>Breathing Space England<br \/> <\/strong><\/span><\/a>Government guidelines for debt respite scheme.<\/li>\n<\/ul>\n<p data-pm-slice=\"1 1 []\">Here&#8217;s a list of energy suppliers who offer grants to their customers:<\/p>\n<ul class=\"ak-ul\">\n<li data-pm-slice=\"1 1 []\"><span style=\"font-size: 16px;\">British Gas Energy Support Fund &#8211;\u00a0<\/span><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fbritishgasenergytrust.org.uk%2fgrants-available%2f&amp;c=E,1,twlBVqpF-Ip-nfUFImy2iU4QeGqZuKffYJQ3llxhJ_EowsWR2YiKyWRJXvJF5KKxWMGTlfPa2836rV2jWnxGE6DhHUiCB4lrA-KtBUBsuxJ1ng,,&amp;typo=1\" style=\"font-size: 16px;\">apply for a grant on the British Gas Energy Trust website<\/a><\/li>\n<li>\n<p>Scottish Power Hardship Fund &#8211;\u00a0<a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fcommunity.scottishpower.co.uk%2ft5%2fHelp-paying-your-bill%2fHardship-Fund%2fta-p%2f53&amp;c=E,1,XFN5YpBzIRen2SPCRiCydCh6lvVV89ojnah4LD6jf4WAbmrVtKPQqX3RvuiKyHgNjacBGla-TWr9SHiZXrAhKb31KdFvn9xt3B4pGfZzRAtgJXPUWfa5&amp;typo=1\"><\/a><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fcommunity.scottishpower.co.uk%2ft5%2fHelp-paying-your-bill%2fHardship-Fund%2fta-p%2f53&amp;c=E,1,XFN5YpBzIRen2SPCRiCydCh6lvVV89ojnah4LD6jf4WAbmrVtKPQqX3RvuiKyHgNjacBGla-TWr9SHiZXrAhKb31KdFvn9xt3B4pGfZzRAtgJXPUWfa5&amp;typo=1\">apply for a grant on the Scottish Power Hardship Fund website<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fcommunity.scottishpower.co.uk%2ft5%2fHelp-paying-your-bill%2fHardship-Fund%2fta-p%2f53&amp;c=E,1,XFN5YpBzIRen2SPCRiCydCh6lvVV89ojnah4LD6jf4WAbmrVtKPQqX3RvuiKyHgNjacBGla-TWr9SHiZXrAhKb31KdFvn9xt3B4pGfZzRAtgJXPUWfa5&amp;typo=1\"><\/a>Ovo Energy Fund &#8211;\u00a0<a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.ovoenergy.com%2fhelp%2fdebt-and-energy-assistance&amp;c=E,1,tR9buVAIIgSPvesLP516KmfLnQzNvtjxhOQiFWKJHlpJyF3JE2JpORtVOjEWxVpSgGK8EVTNOWFbBzIJIsSm1rkW-Ni1OsKs2-Pwhoq4iVmRvPTM3A,,&amp;typo=1\"><\/a><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.ovoenergy.com%2fhelp%2fdebt-and-energy-assistance&amp;c=E,1,tR9buVAIIgSPvesLP516KmfLnQzNvtjxhOQiFWKJHlpJyF3JE2JpORtVOjEWxVpSgGK8EVTNOWFbBzIJIsSm1rkW-Ni1OsKs2-Pwhoq4iVmRvPTM3A,,&amp;typo=1\">apply for a grant on the Ovo Energy Fund website<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.ovoenergy.com%2fhelp%2fdebt-and-energy-assistance&amp;c=E,1,tR9buVAIIgSPvesLP516KmfLnQzNvtjxhOQiFWKJHlpJyF3JE2JpORtVOjEWxVpSgGK8EVTNOWFbBzIJIsSm1rkW-Ni1OsKs2-Pwhoq4iVmRvPTM3A,,&amp;typo=1\"><\/a><span style=\"font-size: 16px;\">E.ON Energy Fund &#8211;\u00a0<\/span><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.eonenergy.com%2ffor-your-home%2fsaving-energy%2fneed-little-extra-help%2fenergy-fund&amp;c=E,1,IUUOYyfHKq5dsGtrF0kGDmy8NNqIsJgRnWz5XVu8M7tcMV5n5ju83Jk3AaPs4oyQYVd7Uywu5C7K93-6sDrqnsjlhPS6QAAazjPsPRd1&amp;typo=1\" style=\"font-size: 16px;\"><\/a><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.eonenergy.com%2ffor-your-home%2fsaving-energy%2fneed-little-extra-help%2fenergy-fund&amp;c=E,1,IUUOYyfHKq5dsGtrF0kGDmy8NNqIsJgRnWz5XVu8M7tcMV5n5ju83Jk3AaPs4oyQYVd7Uywu5C7K93-6sDrqnsjlhPS6QAAazjPsPRd1&amp;typo=1\" style=\"font-size: 16px;\">apply for a grant on the E.ON Energy Fund website<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.eonenergy.com%2ffor-your-home%2fsaving-energy%2fneed-little-extra-help%2fenergy-fund&amp;c=E,1,IUUOYyfHKq5dsGtrF0kGDmy8NNqIsJgRnWz5XVu8M7tcMV5n5ju83Jk3AaPs4oyQYVd7Uywu5C7K93-6sDrqnsjlhPS6QAAazjPsPRd1&amp;typo=1\" style=\"font-size: 16px;\"><\/a><span style=\"font-size: 16px;\">E.ON Next Energy Fund &#8211;\u00a0<\/span><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.eonnextenergyfund.com%2f&amp;c=E,1,syCW70H_tWtHp90cfHq2hix5bMHY3UBKO6Ic_JMRO_kBvdvaHTydQZ1PhLYC3rXjzwdOgzRufOYBWPXFkzE0iDLMYX__WAD_2sTybO9IV32KrPiiGX_2BHzf_D9R&amp;typo=1\" style=\"font-size: 16px;\"><\/a><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.eonnextenergyfund.com%2f&amp;c=E,1,syCW70H_tWtHp90cfHq2hix5bMHY3UBKO6Ic_JMRO_kBvdvaHTydQZ1PhLYC3rXjzwdOgzRufOYBWPXFkzE0iDLMYX__WAD_2sTybO9IV32KrPiiGX_2BHzf_D9R&amp;typo=1\" style=\"font-size: 16px;\">apply for a grant on the E.ON Next Energy Fund website<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.eonnextenergyfund.com%2f&amp;c=E,1,syCW70H_tWtHp90cfHq2hix5bMHY3UBKO6Ic_JMRO_kBvdvaHTydQZ1PhLYC3rXjzwdOgzRufOYBWPXFkzE0iDLMYX__WAD_2sTybO9IV32KrPiiGX_2BHzf_D9R&amp;typo=1\" style=\"font-size: 16px;\"><\/a><span style=\"font-size: 16px;\">EDF Energy Customer Support Fund &#8211;\u00a0<\/span><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.edfenergy.com%2fPSR&amp;c=E,1,zbkq-sLBbMGFnsMRY71kCjrY53yc3wtlTNmW-48r85BBZEl9Fr7MRTIBrjRbVVpx2s6IdVZMZG1B1d8cj23U3BrQVPup5JUx_wibnhvo8D03U9w,&amp;typo=1\" style=\"font-size: 16px;\"><\/a><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.edfenergy.com%2fPSR&amp;c=E,1,zbkq-sLBbMGFnsMRY71kCjrY53yc3wtlTNmW-48r85BBZEl9Fr7MRTIBrjRbVVpx2s6IdVZMZG1B1d8cj23U3BrQVPup5JUx_wibnhvo8D03U9w,&amp;typo=1\" style=\"font-size: 16px;\">sign up to the priority services register to apply for a grant on the EDF Energy website<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.edfenergy.com%2fPSR&amp;c=E,1,zbkq-sLBbMGFnsMRY71kCjrY53yc3wtlTNmW-48r85BBZEl9Fr7MRTIBrjRbVVpx2s6IdVZMZG1B1d8cj23U3BrQVPup5JUx_wibnhvo8D03U9w,&amp;typo=1\" style=\"font-size: 16px;\"><\/a><span style=\"font-size: 16px;\">Bulb Energy Fund &#8211;\u00a0<\/span><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fcitizensadviceplymouth.org.uk%2fbulb-energy%2f&amp;c=E,1,MCygTqTmdyzcNThzbVF7S7yASzx9UZuKSFyu0QPlO9vN8iAQ6KxhHVdqY11NYtNFzFlrzFMYbPuuCOxK29Erd__K5YmG9sz-vECLx-qQoPlI-9LKQSZ8Bg,,&amp;typo=1\" style=\"font-size: 16px;\"><\/a><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fcitizensadviceplymouth.org.uk%2fbulb-energy%2f&amp;c=E,1,MCygTqTmdyzcNThzbVF7S7yASzx9UZuKSFyu0QPlO9vN8iAQ6KxhHVdqY11NYtNFzFlrzFMYbPuuCOxK29Erd__K5YmG9sz-vECLx-qQoPlI-9LKQSZ8Bg,,&amp;typo=1\" style=\"font-size: 16px;\">apply for a grant on the Bulb Energy Fund website<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fcitizensadviceplymouth.org.uk%2fbulb-energy%2f&amp;c=E,1,MCygTqTmdyzcNThzbVF7S7yASzx9UZuKSFyu0QPlO9vN8iAQ6KxhHVdqY11NYtNFzFlrzFMYbPuuCOxK29Erd__K5YmG9sz-vECLx-qQoPlI-9LKQSZ8Bg,,&amp;typo=1\" style=\"font-size: 16px;\"><\/a><span style=\"font-size: 16px;\">Octopus \u2018Octo Assist Fund\u2019 &#8211;\u00a0<\/span><a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2foctopus.energy%2fblog%2fstruggling-to-pay%2f&amp;c=E,1,4Lg_VAG2gAizMjPCyhddW3tWLW1n00VJg9geZvz6yATAf_FXwlKwtEh75DD5Me7o9AP8QBYF7MeF_d9AICxCGwp3iFaVwXo03Vc_6u0mPv84-TApof0,&amp;typo=1\" style=\"font-size: 16px;\">apply for a grant on the Octopus website<\/a><\/p>\n<\/li>\n<\/ul>\n<p>If residents can\u2019t get a grant from their own supplier, they might be able to get a grant from the British Gas Energy Trust. These grants are available to anyone &#8211; you don\u2019t have to be a British Gas customer to be eligible.<\/p>\n<p>Members may also be able to access local grants and you can see what&#8217;s available in your area on the\u00a0<a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2fwww.simpleenergyadvice.org.uk%2fgrants&amp;c=E,1,Rr1s5Nsdd_f4ZBKJ5Rm7WK7AXkRHmPoUj7ME_NwsA78PHAlplthN_ERTDxibstIrJDQpX6SqifRY-hmfHHvDBuXnHnGAZ57NJz_SOxmonQ,,&amp;typo=1\">Simple Energy Advice website<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_cta title=&#8221;Struggling with your debt obligations? &#8221; button_text=&#8221;Click Here&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you are concerned about your ability to pay your loan please get in touch with us, either by emailing <span style=\"color: #1e242e;\"><strong><a aria-label=\"Link repayments@castlecommunitybank.co.uk\" title=\"mailto:repayments@castlecommunitybank.co.uk\" href=\"mailto:repayments@castlecommunitybank.co.uk\" rel=\"noopener noreferrer\" target=\"_blank\" tabindex=\"-1\" style=\"color: #1e242e;\">repayments@castlecommunitybank.co.uk<\/a><\/strong><strong><a href=\"mailto:info@castlecommunitybank.co.uk\" style=\"color: #1e242e;\"><\/a><\/strong> <\/span>or by calling <span style=\"color: #1e242e;\"><strong>0203 970 0110<\/strong><\/span>\u00a0during office hours.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; min_height=&#8221;515.4px&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;-53px|auto||auto||&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5>When struggling with debt it can lead to feelings of depression or distress, the following organisations are there to help people in need of assistance.<\/h5>\n<ul>\n<li><a href=\"https:\/\/breathingspace.scot\/\"><span style=\"text-decoration: underline;\"><strong>Breathing Space<\/strong><\/span><strong><\/strong><\/a><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.samaritans.org\/\"><strong>Samaritans<\/strong><\/a><\/span><span><\/span><\/li>\n<\/ul>\n<p><span><\/span><\/p>\n<p><strong>Your local authority website can also be a source of advice specific to your area.<\/strong><\/p>\n<p><em>*Please note these are links to external sites. Castle Community Bank is not responsible for the content or views expressed on them<\/em><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The financial well-being of Castle Community Bank Members is our priority.\u00a0 &nbsp; &nbsp; &nbsp; &nbsp; There are a variety of reasons you may find yourself struggling with debt, many of which can be beyond your control. According to the debt charity Stepchange, the top 3 reasons for calls to their helpline are: Reduced income Unemployment [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-1211","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/pages\/1211"}],"collection":[{"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/comments?post=1211"}],"version-history":[{"count":1,"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/pages\/1211\/revisions"}],"predecessor-version":[{"id":2528,"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/pages\/1211\/revisions\/2528"}],"up":[{"embeddable":true,"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/pages\/339"}],"wp:attachment":[{"href":"https:\/\/castlecommunitybank.co.uk\/wp-json\/wp\/v2\/media?parent=1211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}