Money worries
Money worries can affect anyone at any time. Find out how HL can help if you're experiencing financial difficulty.
On this page
What we mean by money worries
Money worries can be sudden and unexpected or develop over time. They could take a variety of forms, but if you're not sure if your situation fits, here are a few examples:
- job loss
- debt concerns
- low or unstable income
- unexpected change to income
- low or no savings
- changes in benefits
- relationship breakdown
- bankruptcy
How we can help
If you find that your situation is affecting how you manage your account, there is a range of support we can offer. For example:
- options to pause or reduce any direct debits
- help to temporarily reduce or cancel pension contributions
- break requests for fixed term savings products
Depending on your situation, there may also be tools we can recommend to help you manage your account. If you think there's another way we can support you, please let us know.
How to tell us about your needs
Complete our form online
Log in to your account to complete our two-page form.
Page one will allow you to select your support options. Page two will ask you to tell us more about your personal circumstances.
Call our helpdesk
If you do not have an online account or prefer to talk to someone directly, call our Helpdesk.
What to expect when you tell us about your needs
- The information you give us will go to our specialist team. They'll use it to look at the ways we can support you.
- We'll add your notes to our records, so you won't need to tell us again.
- You can ask us to update or remove this information at any time.
- The information is kept on your client record and is confidential. It cannot be seen by anyone other than approved HL staff.
- We won't usually need to, but if you complete the form online and we have questions about your circumstances or believe we might be able to offer you more support, our specialist team may contact you. If you’d rather we did not contact you, call us at a time that suits you to speak to us directly.
Information that may be relevant
This HL article gives you information about managing any debt you may have.
Organisations that can offer support
Free, independent guidance on personal debt over the phone or online.
Citizens Advice
Advice on issues such as debt management, welfare benefits, housing, and employment.
Help for Households
A government website showing the support that is available to help with the cost of living, plus energy saving tips.
StepChange
Support and advice for debt consolidation.