Managing your money during Covid-19

If you’re concerned about managing your money during Covid-19, there are some steps you can take to help.

Working with The Money and Pensions Service (MaPS) to support our Members - The PACE project.

In June 2020 we partnered up with The Money and Pensions Service (MaPS) to help support Members who feel they are struggling with debt to receive trusted and free customer advice – the PACE project.

This new process means we can refer Members who would benefit from debt advice directly to MaPS and arrange a call back from them at an agreed time, or as soon as 30 seconds after the call with the Society ends.

If you would like to speak to a member of staff for more information please call our team who can refer you today on 01325 741060 or alternately you can email

Below is some useful information on:

  1. Understanding your financial situation 
  2. Steps you can take to manage your situation 
  3. Organisations that offer free help and advice

1. Understanding your financial situation:

If you are able to, you should work out how much your payments are and whether you have fallen behind on any of the payments you’ve agreed to make. To do this, you will need to make a list of all the organisations you make payments to.

If you are coming to the end of your mortgage payment deferral with us, make sure you know what happens next. You can contact us, if you haven’t already, to discuss your options moving forward.

Understand which of your debts are priority debts. Some debts will be more urgent than others, because the consequences of not paying them can be more serious than for other debts. These priority debts may include your:

  • mortgage or rent
  • council tax/ rates
  • gas or electricity arrears

For more on this, see the Money Advice Service ‘How to prioritise your debts’ page.

Once you have prioritised your debts, you can work out a budget to understand how much money you will have available going forward to pay your commitments. You might wish to use a tool such as the Money Advice Service online budget planner, or a tool provided by a debt adviser.


2. Steps you can take to manage your situation

If you are worried about being able to make future payments, it’s important that you contact us.

We will be able to talk to you about options for changing how or when you pay.

You can contact us by phone on 01325 741060, in writing to our head office address or sending an email to

For more information on managing your money during and after COVID-19, see the Money Advice Service page ‘Coronavirus and your money’  or contact the Money Advice Service for help (see below for contact details).

If you find it hard to keep up with payments, or if you are already having trouble managing your debts, you should seek free help and advice. Your rights and options depend on the type of agreement you have, and the law can be complex. However, you can get free independent help and advice from a number of organisations – see below for details.


3. Organisations that offer help and advice

You can contact a number of organisations for free, confidential and impartial debt advice.

  • Money Advice Service: For free, easy-to-use money tools, information and advice, visit You can also phone 0800 138 7777 to speak to a money expert, use typetalk at 18001 0800 915 4622, or add +44 7701 342744 to your WhatsApp to send a message.

  • Money Advice Scotland: If you live in Scotland, visit where you can use webchat to speak to an adviser, or email

  • Citizens Advice: For advice and information on debt and other topics, contact your local Citizens Advice or go to

  • Citizens Advice Scotland: For advice and information on debt and other topics, contact your local Citizens Advice Bureau, go to, or call the Helpline on 0800 028 1456.

  • Advice NI: If you live in Northern Ireland, phone 0800 028 1881, email or visit

  • Citizens Advice Wales: If you live in Wales, visit, or you can call Advicelink on 03444 77 20 20 if you want to speak to someone about your debts. Calls cost the same as calls to landline numbers.

  • AdviceUK: Member centres offer debt advice including specialist advice for minority communities and people with disabilities. Visit

  • Christians Against Poverty (CAP): For free debt advice. Check post code coverage at  then call 0800 328 0006.

  • National Debtline: If you live in England, Wales or Scotland phone 0808 808 4000 or visit for debt advice and information.

  • StepChange Debt Charity: For free debt advice throughout the UK phone 0800 138 1111 or visit

  • Business Debtline: If you are self-employed or a small business owner, phone 0800 197 6026 or visit for debt advice and information.

Other useful organisations

  • Civil Legal Advice

  • You may get legal aid if your home is at risk. Check at or phone 0845 345 4345.

  • Financial Ombudsman ServiceIf you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help – phone 0300 123 9123 or 0800 023 4567 or visit

Need to discuss your options?

If you are worried about your finances, our experienced and qualified Financial Support Team are here to support you.

You can call us on:

01325 741060

Or email us:

Our staff are available between:

9am - 5pm Monday, Wednesday and Friday,
9am - 6pm Tuesday and Thursday,
9am - 12pm Saturday.