Free help is available
If you got a loan when you lacked capacity, you should get advice as soon as possible.
It is important to act quickly while there is still evidence of what happened. You can contact:
Citizens Advice Bureau
CABNI provide free, confidential advice and support. You can contact their free Helpline.
Telephone: 0800 028 1881
(Monday to Friday 8am to 6pm)
You can contact the Belfast Head Office to enquire about face-to-face advice in one of the local CAB offices.
Telephone: 028 9023 1120
Email via website: https://www.citizensadvice.org.uk/nireland/
StepChange
StepChange provide free, confidential advice and support to anyone worried about debt. You can contact them over the telephone or online.
Telephone: 0800 138 1111
(Monday to Friday 8am to 8pm and Saturday 8am to 4pm)
Email via website: www.stepchange.org/Contactus/Sendusanemail.aspx
Website: https://www.stepchange.org/DebtadviceinNorthernIreland.aspx
Advice NI
Advice NI provide free telephone debt advice.
Telephone: 0808 801 0665
(Monday to Wednesday 9.30-3.30)
Website: https://www.adviceni.net/advice/debt
If you got a credit card that you can’t afford then you should stop using it. If you continue to use it it is a way of agreeing to the credit card conditions. This means you may have to pay back money you have spent on it. This is called 'ratifying' the borrowing facility.
