AFHOS Owners
Debt Advice
If you have a debt problem, there are many organisations offering free and independent debt advice over the telephone or face-to-face. They can help you work out the best way to deal with your debts and answer any questions you have.
The following organisations will provide free of charge advice to assist with any debt problems you may have:
Citizens Advice www.citizensadvice.org.uk
National Debt Line www.nationaldebtline.co.uk
Consumer Credit Counselling Service www.cccs.co.uk
If you have difficulty making your mortgage repayments, in the first instance contact your mortgage lender. Your home is at risk if you do not keep up mortgage repayments or payments on other loans secured on the property.

