Burnley Savings and Loans Know
DEBTS CAN WEIGH YOU DOWN
BUT YOu Don't HAVE TO STRUGGLE AlONE
Debt’s Not Just About Money – It’s About Life, Stress, and Sleepless Nights
Let’s be honest – nobody wakes up one day and says, “Y’know what I fancy? A bit of debt stress.” But it creeps up. A missed payment here, a bit of borrowing there, and before you know it, you’re robbin’ Peter to pay Paul and dodging the post like it’s haunted.
We’ve seen it up close. And we know how heavy it can feel. Debt doesn’t just mess with your bank account – it messes with your head, your health, your relationships, everything.
But here’s the good news: there’s help out there – and it’s free, proper, and actually helpful.
Where to Get Proper Help
There are brilliant charities and organisations out there that specialise in helping people deal with debt. They won’t judge, they won’t charge, and they’ll work with you to find a plan that makes sense.
Here are some trusted places to start:
Free, confidential help with debt management, budgeting, and setting up affordable repayments.
Local help with debt, benefits, housing, and legal advice – in person or online.
Backed by the government – full of tools, calculators, and plain-English guidance.
Freephone helpline and webchat with trained debt advisers.
Christians Against Poverty (CAP)
Face-to-face support and long-term help through local centres.

Why It’s So Important to Get Independent, Free Advice

Debt CONSOLIDATION
Sometimes One Loan Can Be Easier Than Five
But It’s Not Always the Right Answer
Think Carefully Before You Consolidate
Consolidating debt can sometimes reduce your interest or make payments more manageable – but it can also:
• Cost more in the long run if the repayment period is longer
• Move you from unsecured to secured debt (which puts your home at risk)
• Give a false sense of “starting over” if you’re not tackling the underlying issues
• Close the door to better alternatives you haven’t yet explored
That’s why we always say: before taking out any new borrowing, talk to a free, independent debt adviser.
They’ll help you look at the full picture – not just the monthly payment.
See our Debt Help section for trusted organisations like StepChange, Citizens Advice, and MoneyHelper.
IF YOU DECIDE DEBT CONSOLIDATION IS FOR YOU
OUR PARTNERS MAY BE ABLE TO HELP
If debt consolidation is the right path for you – and you’ve taken proper advice – we work with trusted partners who may be able to help:
Fairlo Offers fair, flexible unsecured loans that can be used for debt consolidation. Simple terms, clear pricing, no hidden nasties.
Kenyon Mortgages – Helps homeowners explore remortgaging or secured loans to consolidate debts into a single payment. They’ll give you a full overview of costs and risks before you commit.
Both of these firms are regulated and work hard to treat customers fairly – but only go ahead once you’re sure it’s right for you.
Our Story
I sent an email asking for help to release me from being a mortgage prisoner. I didn't expect a response but to my surprise I was contacted by a Mortgage Avisor called James Adamson. James turned out to be my Knight in shining armour. He secured a Mortgage for me with Principality Building Society which has now completed and I am released from an interest only Mortgage. How I wish I had contacted the Bank of Dave sooner.
Margaret Ward










