Jonathan Hayward calls on people struggling with debt to seek help

Enniskillen CAP Debt Centre Manager, Jonathan Hayward, revealed some of the circumstances that can lead people to seek their help.

He said: “Some may think people just get into debt because of overspending on luxuries, but that really isn’t the reality for the people we’re helping at CAP.

“This view from some people in society makes many people in debt feel afraid or embarrassed to seek help.

“Most people who come to us are overwhelmed by problem debt because of a change in circumstances that has caused a drop in their income.

“For example, they may have lost their job, or be unable to work because of their health, or they may have to care for a loved one.

“They may have experienced a relationship breakdown, or their partner may have passed away and now they’re relying on a significantly reduced income.

“We’re also seeing an increase in people who have what we call ‘deficit budgets’ – where their incomes are so low that they don’t have enough to buy even the most basic essentials, such as food and heating, and therefore have to rely on credit just to pay the bills.

“The consequences of people trapped in debt is crippling for many, and can affect their sleep, their mental and emotional wellbeing and rob them of their dignity.”

Mr. Hayward continued: “It takes tremendous courage for someone struggling with debt to reach out.

“Some are ashamed to admit they are in debt, others are afraid of the unknown and may be wary of seeking debt help.

“But we want to assure people that we are here to help and can offer them free practical, face-to-face debt advice, and provide holistic support.”

You can find more information on all CAP’s services in your area at capuk.org/help.

If you’re struggling with unmanageable debt, you can call the charity’s free helpline at 0800 328 0006.

For further information on a wider range of free help available, see moneyhelper.org.uk.