Guide To Debt Advice
Your Guide to Debt Advice
Pawnbrokers offer professional regulated consumer credit agreements with all the standard consumer protections rightly associated with consumer credit lending. If you have an item that you can pawn, your National Pawnbrokers Association (NPA) registered pawnbroker can explain the process.
You should only borrow if you are confident that you can repay the loan and that you are able to meet all of your commitments. If you have any doubts or concerns, then getting personal, confidential advice is easy to do – and costs you nothing. If you’re struggling with debt, it can be hard to know where to turn. But with lots of free, confidential help and advice services available across the UK, there’s no need to use a fee-charging debt management company.
I’m not sure whether to borrow in the first place – how can I sort out my finances?
If you feel you are not in a position to borrow as you are unsure of your finances, there are some useful web links to help you address your personal finances:
Citizens Advice For advice and information on debt and other topics, visit your local Citizens Advice (address in the phone book) or go to www.citizensadvice.org.uk
Citizens Advice Wales If you live in Wales, you can call Adviceline on 03003301313 if you want to speak to someone about your debts. Calls cost 12p per minute from a landline, and from 3p to 45p from a mobile or visit www.citizensadvice.org.uk/wales/debt-andmoney/help-with-debt/get-help-with-your-debts/ to get-help-with-your-debts.
Remember to look out for the NPA logo
Pawnbrokers offer professional regulated consumer credit agreements with all the standard consumer protections associated with consumer credit lending. The NPA, established in 1892, represents over 150 businesses with over 1000 stores across the UK. Our members are subject to our rules and code of conduct. We stand for fairness and transparency, professionalism, excellence and expertise in pawnbroking. You can trust an NPA member.