Chat with us, powered by LiveChat FINANCIAL DIFFICULTIES - Clockwise Credit Union
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If you are experiencing financial difficulties in repaying your Clockwise loan, please contact a member of our friendly, specialist team who will be more than happy to help. You can contact them between 09.30am and 4.30pm Mon-Fri on 0116 2423906.

We encourage anyone who is experiencing financial difficulties and struggling to manage debt to seek advice and to be cautious about using debt management companies as fees can be expensive. Always check terms and conditions and small print. We recommend only using agencies that are impartial or government sponsored and if you are unsure check with the Citizens Advice.

For impartial money help and financial advice we recommend contacting the following organisations. We have also detailed some useful resources if you are experiencing personal difficulties.  Please click on the image links to visit the websites. We can also signpost links to food banks – please don’t be embarrassed, we are happy to help.

COVID-19 Scams

Unfortunately, with the global pandemic there has been a rise in fraud, linked to COVID. The Financial Conduct Authority has issued a statement on what to look out for. We would ask you to never give out your full pin code or security information to anyone . We, or any other bank, would never ask you to transfer money to a ‘safe account’. You can read more about this on our recent news post.

Useful Links

Below are some useful free services which give advice and information if you are experiencing financial difficulties.

You may find it helpful to make a budget, click here to download now.

Money & Pensions Service

The Money & Pensions Service (previously Money Advice Service) was set up by the government to provide free and impartial money advice and covers a whole range of services from debt and borrowing, budgeting and savings to homes and mortgages and family and retirement. There are lots of online tools and calculators with web chat and phone support for those who need it.

Citizens Advice

The Citizens Advice is a free, independent, confidential and impartial advice service that advise on rights and responsibilities around practices and policies that affect people’s everyday lives. There is a whole section on their website covering debt and money.

Step Change

StepChange is one of the UK’s leading debt charities to help tackle your debts with expert advice and fee free debt management.

Trinity Money Advice

Trinity Money Advice Leicester is the Holy Trinity’s advice service. The charity provides free, practical and confidential advice to people who are struggling with debt. They also provide budgeting and money skills.

National Debtline

The National Debtline provide free independent advice over the phone and online.

Money Saving Expert

The Money Saving Expert provides free and impartial information on a whole range of topics including debt. It can’t give debt advice but it does have some great information, pointers, tools and guides to help you.

Visit their website and find out more about finding out more how credit unions can help you.

Personal Difficulties

If you are experiencing difficulties which impact your life and finances, you can get help here.

Cruse Bereavement Care

Grief is a natural process but it is also devastating. Cruse offer support for anyone experiencing grief.


You can contact Samaritans day or night if you need someone to talk to about anything that is on your mind. Get in touch with Samaritans on the phone, online, email or through their app.


Shelter helps millions of people every year struggling with bad housing or homelessness through our advice, support, and legal services.

Macmillan Cancer Support

Macmillan offer emotional, physical and financial support for people living with cancer.


Mind provide advice and support to empower anyone experiencing a mental health problem.

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