We know that sometimes life can get in the way and affect your ability to keep up with bills. If your situation is preventing you from making payments, just let us know about it. From there, we can work out how to move forward in a way that you're happy with.
If you’re in a difficult situation with multiple debts there is also a lot of support available from free debt advice services online or over the phone. For more information, visit the Money Advice Service Website.
If you think you need help and aren’t sure how to move forward you could follow our suggested next steps below to help you make a start.
It’s really important to let us know if you’re struggling and feel you need more support. Please email us at support@ophelos.com, or respond to any messages we’ve sent you, and tell us you need help.
We will never put pressure on you to agree to payments you can’t afford, we simply want to be aware of your situation so we can assist you.
If you talk to us we can:
If you can afford it, keeping on top of payments may help prevent problems in the future, particularly for your energy bills. If you feel able to make manageable payments for the time being you can set something up through your Ophelos account or talk to our team.
If you don’t think you can manage to pay anything right now please let us know. There is help available, and if you are struggling our team will give you space to look into support.
There is a lot of information out there and it may be difficult to know where to start.
Here are some tools which may help you think things through:
Your first step could simply be deciding to talk to someone for more advice. You can find a local adviser for benefits, housing, jobs, and legal issues here. You can find a list of free debt advice organisations here.
While we are managing your account it is important to keep us up to date. If we give you some space we’ll always let you know how long the hold will last. This is so you’re aware when you need to get back in touch to let us know how you have got on.
When you update us we’ll be able to clarify next steps for you.
This could involve: