How we work
The first thing we'll do is make you an appointment with one of our
trained advisers so that we can get a complete picture of your circumstances. At the
same time, we will undertake a complete review of your income and
expenditure so that together we can create a realistic budget which will
ensure you can meet all your various living expenses - hopefully we'll also
help you make your money go further. Only after this
will we consider what you can afford to pay towards your debts.
If there are other issues as well as
debt, such as housing, relationships
etc then WKDA may be able to point
you in the appropriate direction for
other advice and/or support.
Once we've built up your Financial Statement, we will, with
your permission, speak to your creditors and agree with them a way forward.
We will start by prioritising your essential bills such as rent/mortgage,
council tax, and utilities. If any legal action has been threatened or
started, we'll help you find a way through, and will speak to everyone
concerned to resolve the situation. We will then contact all other
people you owe money to, and will wherever possible, get them to agree to
stop any interest or unfair charges on your account. Working from the budget
we will have created together, we will then agree a repayment plan which is
fair to both parties, but based entirely on what you can afford.
If your circumstances are such that you can't realistically
afford to repay your debts within a reasonable timescale, we'll talk to
you about other options which may include some form of insolvency such as
bankruptcy or a debt relief order. We never take these choices lightly, but
we will help you through the process if it is the best course of action
for your circumstance - we will even attend court with you if that proves
Once we have agreed a way forward, we will help you set up
the agreed payments to your creditors, and will undertake regular reviews
with you whenever necessary - especially if your circumstances change.
By working with us and sticking to the plan of action we
draw up with you, we will support you until you are DEBT FREE, however long
that takes. Whenever you need it, you can come back and see an adviser who
will help you with any issues you may have.
OUR SERVICE IS COMPLETELY FREE. We make no charges for our help, and
receive no payments from creditors. All of our funding comes from the
individual donations from members of the churches who support us, and from other charitable sources.
WE HELP ANYONE, regardless of race, gender, sexual orientation or
WE WORK WITH ALL CREDITORS. Because we are a licensed centre and operate
within established guidelines, we are able to work with all creditors -
including local councils, housing associations, utility companies, banks and the
financial services industry generally - to agree a way forward.
IT'S ALWAYS YOUR DECISION. We will advise and encourage you to take the
course of action which our advisers think is best for you in your particular
circumstances, but we will not take any decisions for you. At the end of the
day, it is your choice as to which course of action you take.
WE CANNOT PAY ANY DEBTS FOR YOU, but we will help you to apply for any
benefits or grants you may be entitled to.
CREDIT RATING. Being in debt has consequences, one of which is that your
credit rating will be affected. If you work with us and we agree a repayment
schedule which differs from what you agreed when you took on a particular
debt, it is likely that your credit rating could deteriorate further. This
may affect your ability to obtain loans in the future; however, if you are
serious about getting out of debt, then future credit should not be