Paying your rent

Credit unions and debt counselling

A credit union is a profit-sharing, democratically run financial co-operative that offers convenient savings and low interest loans to its members. The members own and manage their credit union themselves.

Bedford Credit Union 

Bedford Credit Union (link opens in new window), whose common bond (extended in 2005) includes those parts of the Borough up to about 6 miles from the town centre, offers services to people living and or working in:

  • Bedford
  • Kempston (urban and rural)
  • Great Barford
  • Willington
  • Cardington
  • Cople
  • Eastcotts
  • Elstow
  • Shortstown
  • Wilstead
  • Wootton
  • Stewartby
  • Bromham
  • Oakley
  • Clapham
  • Ravensden
  • Renhold
  • Wilden

Bedford Credit Union
6 St Pauls Square
MK40 1SQ

Tel: 01234 346352

You can also visit UK Credit Unions Ltd (link opens in new window).

Download our Money Matters booklet (PDF 42.4KB) .

Debt counselling

Many organisations offer free and impartial advice on debt problems. Below are a list of organisations that can help:

Debt Advice Foundation (link opens in new window) 

StepChange debt charity (link opens in new window) 

StepChange offer impartial debt advice, information about bailiffs, debt solutions and expert bankruptcy help, all completely free of charge.

Take their online debt test (link opens in new window), or call 0800 138 11 11 to speak to someone in confidence.

You may find our Debt Counselling leaflet (PDF 182.8KB) useful.

For more information on bankruptcy and insolvency, visit the GOV.UK insolvency service (link opens in new window)

Alternatively, call the Debtadvice UK Freephone helpline: 0800 074 6918 (open 24 hours).

Download our guides for more information

Debt Advice – Self Help Pack (PDF 455.1KB)

Money Matters booklet (PDF 42.4KB)

Letters to creditors

Debt Advice letter (PDF 51KB)

Debt Advice sample letters (PDF 196.9KB)

Free independent advice

Local organisations offering advice on debt and other issues.

Leighton Linslade Citizens Advice Bureau (link opens in new window)

Ampthill and Biggleswade Citizens Advice Bureau (link opens in new window) 

Dunstable Citizens Advice Bureau (link opens in new window) 

Citizens advice on money management (link opens in new window) 

StepChange (link opens in new window) 

National Debtline (link opens in new window)

Payplan (link opens in new window) 

Money Advice Service (link opens in new window) 

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empty (link opens in new window)empty (link opens in new window)GOV.UK - Options for paying off your debts (link opens in new window) 

Age UK (link opens in new window) 

Bedfordshire Advice Directory (link opens in new window) 

Shelter (link opens in new window) (the housing and homeless charity offer advice on their website about debt and arrears)

Download more information

Debt counselling leaflet (PDF 182.8KB)

Debt Advice – Self Help Pack (PDF 455.1KB)

Personal Budget Sheet (PDF 123.8KB)

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