Money and debt advice
Information on where to get help and advice on managing any debts.
Ryedale Citizens Advice Bureau have specialist trained debt advisors, please contact them to make an appointment to see an advisor or attend their generic drop in sessions for an initial assessment of your needs.
Address:-
Stanley Harrison House
Malton
North Yorkshire
YO17 9RD
Phone 03444 111444
Hope Central have specialist trained debt advisors, please contact them to make an appointment
Address:-
62-64 Castlegate
Malton
North Yorkshire
YO17 7DZ
Phone 01653 692616
The Citizens Advice Bureau have a national website offering advice about managing your debts.
Step Change is a national charity which can support you and provide personalised advice about managing your debts – find out more at Step Change website or by phoning 0800 1381111.
Debt Support Trust is a registered charity. For further information visit their website or phone 0800 0850226.
Please contact your landlord or letting agent in the first instance to let them know that you are struggling to pay your rent. You may be able to come to an agreement to pay off what you owe in instalments.
Contact the Housing Options Team for advice or arrange an appointment to discuss your situation. We aim to prevent homelessness in the district and the Housing Options Team will help you to try to remain in your home.
Horton Housing operate a Homelessness Prevention Service in Ryedale and they may be able to provide support. You can refer yourself to them by phoning 01274 370689.
Contact Benefits to see if you are eligible for any financial help.
Borrowing money
We work in partnership with Community First Credit Union to offer an alternative banking option in Ryedale.
Residents in Ryedale can open a current account with card access and online banking facilities through the credit union and they also offer loans, savings accounts and a budgeting account, which assists households to manage their monthly income and ensure that priority bills are paid.
If you need that extra bit of money for a new car, holiday, washing machine, any unexpected expense or are starting or growing a business then the credit union provides a number of affordable loan products with low interest rates. The credit union offers an alternative to the main high street banks and will also work with people who find themselves excluded from mainstream financial institutions.
For more information about how to access the credit union please visit Community First, email or telephone 03030 300010.
I have borrowed money from someone and think they may be a loan shark
What is a loan shark?
If you can answer yes to one or more of these questions you might be borrowing from a loan shark:
- Did they offer you a cash loan?
- Did they not give you paperwork?
- Did they add huge amounts of interest or APR to your loan?
- Have they threatened you?
- Are you scared of people finding out?
- Have they taken your bank card, benefit card, passport, watch or other valuables from you?
Loan sharks may start out friendly, but if you fall behind with repayments they'll often resort to intimidation, threats or even violence to pressure you into repaying the debt. If you are worried and need advice contact the illegal money lending team at Stop Loan Sharks or call 0300 555 2222.
