The debt advice sector is facing challenging times, with more complex cases, increasing demand, and changes to the funding of front-line advice in England and Wales.
We are front-line debt advisers, and we are worried about the future of community based services.
Debt advice can change lives.
Helping people deal with their debt problems has a wide range of benefits. It can prevent and alleviate mental health problems, lessen the risk of homelessness, and improve the welfare of children living in debtor households. But services need to be properly funded.
The Covid pandemic, and now the cost-of living crisis, impact low income households the most. Particularly, those living in the rented sector, and with from BAME heritage. The need for face to face debt advice is increasing, as vulnerable groups are struggling with rent, Council Tax and other bills. Millions are finding it hard to make ends meet.
As debt advisers, we need to be given the time and resources to do our jobs properly.
And people in debt need real solutions.
Government needs to listen to the front-line.
We need more time to help people claim the benefits they are entitled to.
And people who have lost their jobs need more time and support to get back into work.
But the Money and Pensions Service commissioning arrangements for debt advice have led to a reduction in community based provision and job losses at a time when the need for support is rising.
That’s why we are campaigning for more resources and a better deal for front-line debt advisers.
We also want action to prevent debt problems from turning into long-term poverty.
People in debt need to be able to live with dignity. And many will need a ‘fresh start’.
Let’s give people in debt a real chance for a better future.
