Redundancy guide
Free, ImpartialDebt Advice
StepChange Debt CharityRedundancy Guide
Contents
Introduction How this guide will help you 3
Section 1 If you are facing redundancy 4• Considerallyouroptions
• Yourrights
• Redundancypay
• Wheretogethelp
Section 2 Managing your money 9• Budgeting
• Increasingyourincome
• Reducingyourspending
• Prioritisingyourbills
• Payingyourmortgage
• Payingyourrent
• Managingdebt
Section 3 Next steps 14• Gettingbacktowork
• Gettingyourfinancesbackontrack
• Contactus
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StepChange Debt CharityRedundancy Guide
Introduction
Free anonymous debt adviceFreedebthelponlinefromStepChangeDebtCharityatwww.stepchange.org
How this guide will help you
AtStepChangeDebtCharityweprovidefree,impartialadvicetopeoplewithdebtproblems.
Redundancycanbeastressfulandconfusingprocess.If youremployerhasannouncedpossibleredundanciesorrequestedvolunteersforredundancy,it’sveryimportantthatyouunderstandyourrightsandentitlementsandthatyou’repreparedforwhatistocome.
If youhavebeenmaderedundant,youmaybefindingitdifficulttocope.Aswellaspracticaladvicetohelpyoumanageyourfinancesandpayyourbills,youmayneedlegalandemotionalsupporttohelpyoudealwiththeeffectsof beingmaderedundant.
Theimportantthingtorememberisthatyouarenotaloneandtherearemanyplacestogethelpandsupport.
Thisguideexplains:
•Yourrights
•Whatredundancypayyouareentitledto
•Howtomanageyourfinances
•Whatyournextstepsare
•Wheretofindtheinformationandsupportyouneed
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StepChange Debt CharityRedundancy Guide
Facing redundancy
If you’refacingredundancy,it’svitalthatyouunderstandyourrightsandentitlements.
Youmaybeinapositionwhereyouremployerhasannouncedpossibleredundanciesoraskedforvolunteers.Itisimportantthatyouunderstandwhatyourrightsareandwhatredundancypackageyoumaybeentitledto.Youalsoneedtobeawareof thecorrectprocedureyouremployermustfollow.
Thissectionof theguidewillhelpyouunderstandyourbasicentitlements.Itwillexplainwhatredundancypayyoumayormaynotbeentitledtoandwhattodoif youremployerfailstopay.Itwillalsodiscussthevariousoptionsthatcouldbeavailabletoyou,anddirectyoutootherorganisationsthatcanadviseyouonredundancy.
Consider all your options
If you’refacingredundancy,youmayhaveanumberof optionstoconsider:
•Takingvoluntaryredundancy(whereappropriate)
•Acceptinganofferof redeploymentwithinthesamecompany
•Retraining
•Applyingforanewjobor,
•Settingupyourownbusiness
Whicheveroptionyoutakecouldmeanbigchangesforyouandyourfamily.Seekingadvicemayhelpyoumaketherightchoice.
Talkingaboutyoursituationwithfriendsandfamilycanalsohelpyoucometotermswithyourredundancyanddecidewhattodo.Itisimportanttokeepcalmandnottorushintoanydecision. Free debt advice
FreedebthelpfromStepChangeDebtCharitycall0800 138 1111
Your rights
Youremployermusttreatyoufairlyandfollowthecorrectprocedurewhenmakingyouredundant.Hereareyourrightsandentitlements:
Consultationperiod
Thereshouldbeaconsultationperiodof usually30-90daysbeforeanyredundanciesaremade,dependingonhowmanyemployeesareaffected.
Thisconsultationshouldallow:
•Youremployertoexplainthereasonsforyourprovisionalselectionforredundancy
•Youtodiscussyourviewsonredundancyorraiseanyquestionsyouhave
•Youandyouremployertodiscussanyappropriatealternatives,wheretheyexist.
Individualconsultationmusttakeplacebeforeyouremployergivesyounoticeof redundancy.
Redundancyselection
Thedecisiontoselectyouforredundancyisbasedonmanyareas,suchasyourskills,experienceandcompetence.
Youremployercannotselectyouforredundancybasedonthegroundsof age,gender,race,religion,disabilityortradeunionmembership.Selectiononsuchgroundsconstitutesunfairdismissalandyouwouldbeabletochallengetheirdecisiontomakeyouredundant.
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StepChange Debt CharityRedundancy Guide
Facing redundancy
Noticeperiods
If you’reselectedforredundancyyoumustbegivenanoticeperiod.
Unlessyourcontractof employmentstatesotherwise,thestatutoryredundancynoticeperiodsare:
•Aminimumof 1week’snoticeif youhavebeenemployedforbetween1monthand2years
•1week’snoticeforeachyearof employmentif youhavebeenemployedforbetween2and12years
•12weeks’noticeif youhavebeenemployedfor12yearsormore.
Timeoff
You’reentitledtotake‘reasonable’timeofftolookforworkandattendjobinterviewsaslongasyouhaveworkedforyouremployerfor2yearsbytheendofyournoticeperiod.
Trialperiod
If you’reofferedanewrolewithyourexistingcompanyunderadifferentcontract,you’reentitledtoastatutory4-weektrialinyournewrole.Thistrialperiodallowsyouandyouremployertheopportunitytodecideif thenewroleisappropriate.
Yourentitlementtoredundancyisprotectedduringthelengthof thetrial.Forexample,if youdecidethenewroleisnotforyou,theredundancyofferisstillvalid.
Free anonymous debt adviceFreedebthelponlinefromStepChangeDebtCharityatwww.stepchange.org
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StepChange Debt CharityRedundancy Guide
Facing redundancy
Redundancy pay
It’simportantthatyouunderstandyourredundancypayentitlements.
Youremployerisrequiredbylawtopayyoustatutoryredundancypayif youhaveworkedforthemcontinuouslyforatleast2years,orif youareonafixedtermcontractfor2yearsormorewhichisnotrenewedbecauseof redundancy.
Howmuchareyouentitledto?
Theamountof statutoryredundancypayyouareentitledtoiscalculatedaccordingtoyourage,yourweeklypay*andthelengthof continuousservice.Youareentitledto:
•½aweek’spayforeachfullyearof serviceif youareagedunder22
•1week’spayforeachfullyearof serviceif youareagedover22,butunder41
•1½weeks’payforeachfullyearof serviceif youareover41.
*Thereisamaximumlimittotheamountof weeklypay,andthischangeseachyear.Visitwww.gov.uktofindoutthisyear’smaximumlimit.
Onlycompleteyearsof servicearetakenintoaccountwhencalculatingyourentitlement,uptoamaximumof 20years.Checkyouremploymentcontractasitmayofferyoumoreredundancypaythanthestatutoryminimum.Allredundancypayupto£30,000istax-free.
Awrittenstatement
Youremployermustprovideyouwithawrittenstatementshowinghowyourredundancypaymenthasbeencalculatedandmustconfirmthedateof youremploymentendinginwriting.
Whenwillyoubepaid?
Youremployershouldpayyouonorsoonafterthedateof yourlastdayof employmentandissueyouwithIncomeTaxformP45.
Otherentitlements
Duringyournoticeperiodyouarealsoentitledto:
•Yournormalpayandbenefits,
•Paymentinlieuof notice,and
•Accruedholidaypayforholidaywhichhasnotbeentaken.
If youremployerfailstopay
If youremployercannotpayanyredundancypaybecausetheyhavebeendeclaredinsolventyoumaybeabletoclaimwhatyouareowedfromtheappointedinsolvencypractitioner.If thisisnotpossible,youcanapplyforadirectpaymentfromtheNationalInsuranceFundon08451450004.
If youremployerfailstopayorclaimsthatyouarenotentitledtoaredundancypayment,youmaytakeyourclaimtoanemploymenttribunal.
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StepChange Debt CharityRedundancy Guide
Facing redundancy
Whenareyounotentitledtoredundancypay?
Youwillnotbeentitledtoastatutoryredundancypaymentif:
•Youremployeroffersyousuitablealternativeworkandyouunreasonablyrefuseit,or
•Youaredismissedbyyouremployeronthegroundsof misconduct.
Youmaynotbeentitledtoanyredundancypaymentif:
•Youleaveyourjobtostartanewone,or
•Yougoonstrikebeforetheendof yournoticeperiod.
Where to get help
If youfeelthatyouneedprofessionalandimpartialadviceonanyof theabovesubjects,werecommendyoucontactoneof thefollowingorganisations:
YourTradeUnion
If you’reaUnionmember,speaktoyourworkplacerepresentativeorshopsteward.If youdon’thaveworkplacerepresentation,contactyourUniondirectly.
TheAdvisory,ConciliationandArbitrationService(ACAS)
ACAScanhelpwithallemploymentrightsissues.Call08457474747(8am-8pm,MondaytoFridayand9am-1pm,Saturday)orvisitwww.acas.org.uk
LawCentres
Yourlocallawcentrecangivefreelegaladviceandrepresentationtodisadvantagedpeople.Visitwww.lawcentres.org.uk tofindyournearestlawcentre.
CivilLegalAdvice
CivilLegalAdvicecanhelpwithemploymentrightsissuesinEnglandandWales.Call08453454345(9am-8pm,MondaytoFridayand9am-12.30pm,Saturday)orvisitwww.communitylegaladvice.org.uk
TheLabourRelationsAgency
TheLRAcanhelpwithallemploymentrightsissuesinNorthernIreland.Call02890321442orvisitwww.lra.org.uk
Gov.uk
Thissiteprovidesgeneralonlineadviceaboutredundancyselection,consultation,redundancypayandnoticeperiods,andanonlineredundancycalculator.Visitwww.gov.uk
TheRedundancyPaymentsHelpline
Telephone08451450004foradviceandinformationonallaspectsof redundancyentitlementinEngland,ScotlandandWales.
CitizensAdvice
YourlocalCitizensAdviceBureaumaybeabletoofferyoufreeandimpartialadvice.Youcansearchforyourlocalofficeatwww.citizensadvice.org.uk orlookinyourtelephonedirectory.Adviceisalsoavailableatwww.adviceguide.org.uk
Free anonymous debt adviceFreedebthelponlinefromStepChangeDebtCharityatwww.stepchange.org
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StepChange Debt CharityRedundancy Guide
Facing redundancy
If you’restrugglingwiththeemotionaleffectsofredundancyandaresufferingfromsleeplessnights,depressionoranxietytherearevariouspeopleyoucanturntoforhelp:
StepChangeWellbeing
AccessourStepChangeWellbeingservicethroughDebtRemedy.Thiswillhelpdetermineif youaresufferingfromdepressionoranxietyandgiveyoupracticalandhelpfuladviceonhowtodealwiththeseconditions.
YourGP
YourGPcanassessthenatureandextentof yoursymptomsandcanprescribeshort-termmedicationwhereappropriateorreferyouforfurtherhelpsuchascounselling.
NHSDirect
Call111foradvice.
Samaritans
Calltheir24-hourhelplineon08457909090forconfidentialemotionalsupport.Youcanalsoemailthem,writetothemortalktosomeonefacetofaceinoneof theirbranches.Formoreinformation,visitwww.samaritans.org
Free debt adviceFreedebthelpfromStepChangeDebtCharitycall0800 138 1111
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StepChange Debt CharityRedundancy Guide
Managing your money
If you’vebeenmaderedundantorif you’refacingredundancy,yourmainpriorityistosortoutyourfinancessoyoucanmanageuntilyouhavefoundanotherjob.
Review your finances
Unlessyoualreadyhaveredundancyinsurance,incomeprotectionorsomeothermoneytosupportyoufinancially,youwillprobablybefacedwithsomehardchoicesandyoumayneedtocutbackonyournon-essentialspendinguntilyouarebackinwork.
Thissectionwillgiveyouadviceon:
•Budgeting
•Increasingyourincome
•Reducingyourspending
•Prioritisingyourbills
•Whattodoaboutmortgageorrentpayments
•Managinganydebtyoumighthave
•Wheretogetextrahelp.
Budgeting
It’simportantthatyoudoabudget,showingyourincomeandspending,toseeif youcanstillaffordtopayyourbillsafterbeingmaderedundant.
Workoutyouroutgoings
Makealistof allyourhouseholdspendingbutdonotincludeanyunsecureddebts–thesearethingslikecreditcards,storecards,loans,overdraftsandcatalogues.Remembertoputsomemoneyinyourbudgettocoverthecostsof lookingforwork.
Behonestanddon’tunderestimateyourspending.Keeparecordof everythingyouspend,nomatterhowsmall,tomakeyourbudgetasaccurateaspossible.Thisprocesswillshowyou:
•Exactlywhatyourprioritybillsare
•Howmuchyoupayeachmonth
•If youcanaffordtocontinuepayingthemafterbeingmaderedundant,and
•Areaswherespendingcanbereducedandsavingsmade
Createyourpersonalbudget
Onceyouhaveagoodideaof howmuchyouspendeachmonth,youcanworkoutyourmonthlybudget.Followthesesteps:
1.Listyourtakehomepayandanyotherincomeyouhave.
2.Listyourregularhouseholdbillssuchasmortgageorrent,CouncilTax,electricity,waterandgas.
3.Listwhatyouarespendingeachmonthonnormallivingexpensesincludingfood,clothingandtransport.
4.Recordwhatyouspendeachmonthonoccasionalitemssuchasthedentist,hairdressing,opticians.
5.Addupyourincomeandyourspendingtoseeifyouhaveenoughmoneycomingintocoverallyourcosts.
6.If youdon’thaveenoughincome,reviewandadjustyournonessentialspendingtohelpbalanceyourbudget.
If youthinkthatyoumaystruggletopayyourbillsontime,youareusingcredittoliveon,oryoualreadyhavearrearsonyourprioritybills,visitStepChangeDebtRemedy,ouronlinetool.DebtRemedywillhelpyoucreateabudgetonlineandgiveyoumoreadviceonhowtoprioritiseyourbills.
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StepChange Debt CharityRedundancy Guide
Managing your money
Increasing your income
Youshouldbepreparedtoclaimbenefitsuntilyoufindanotherjob.
Therearetwotypesof Jobseeker’sAllowance:
Contribution-basedJobseeker’sAllowance
If youhavepaidenoughNationalInsurancecontributionsyoumaybeentitledtomakeaclaim.Thisbenefitisnotmeanstested,sowillnotbeaffectedbyanyredundancypaymentyouhavereceived.
If eligible,youcanbepaidthisallowanceforupto6monthsandafterthistime,if youarestillunemployed,youmaybeabletoclaimIncome-basedJobseeker’sAllowance.
Income-basedJobseekersAllowance
Thisisbasedonyourincomeandsavings.Youmaygetthisif youhavenotpaidenoughNationalInsurancecontributionsandyouareonalowincome.
Thisbenefitismeanstested.Anyredundancypaymentyoureceivemightaffectyourentitlement.Forexample,if youhavemorethan£16,000ofsavings,youarenoteligibletoclaim.However,itisstillimportanttocontinuetosignonattheJobcentretoprotectyourNationalInsurancecontributions.
Otherbenefits
YoumayalsobeabletoclaimCouncilTaxReductionand,if youarerentingyourhome,youmaybeabletoclaimHousingBenefit.Again,anyredundancypaymentyoureceivemightaffectyourentitlement.Ifyouhavemorethan£16,000of savings,youarenoteligibletoclaim.If youareahomeowneryoumayalsobeabletogethelpfromtheschemesmentionedinthe‘Payingyourmortgage’sectiononpage18.
If youreceiveChildTaxCredits,thesewillalsoneedtoberecalculated.Furtheradviceregardingbenefitscanbefoundbyvisitingwww.gov.uk
Taxrebate
If youpaytaxunderthePAYE(PayAsYouEarn)schemeandthedateof yourredundancywasnottheendof thetaxyear(usuallythe1stweekinApril),youmaybeentitledtoataxrebate.Contactyourlocaltaxofficeorvisitwww.gov.uk tofindouthowmuchrebateyoumayget.
Otherwaystoincreaseyourincome
Thereareotherwaystoimproveyourincome.Forinstance:
•Canyouobtainashort-termjobuntilyoufindalong-termposition?Thismaybeonamuchlowersalarythanyouareusedtobutwillhelpyoutomanage.
•Cananothermemberof yourhouseholdearnextraincomebytakingonasecondjoborweekendwork?
•Doyouhaveaspareroomthatyoucouldrenttoalodger?
•Iseveryonewhoislivingwithyouandearningawagecontributingtothehouseholdincome?
Free debt adviceFreedebthelpfromStepChangeDebtCharitycall0800 138 1111
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StepChange Debt CharityRedundancy Guide
Managing your money
Reducing your spending
Lookatwhereyouspendyourmoneyandthinkaboutwhatyoucancutdownon.
Herearesomeideasof waystoreduceyourspending:
•Onlybuythingsyoureallyneedratherthanthingsyouwant.
•Switchtoadiscountsupermarketorchooseownbrandproducts.
•Canyouchangeenergysuppliersorswitchtariffstosavemoney?Weprovideautilityswitchingservice.
•Paybillsbydirectdebitwhereadiscountisoffered.
•Downgradepackagesonitemssuchastelephone,mobilephone,televisionandinternetwherepossible.
•Canyouusepublictransportinstead?
Prioritising your bills
Somebillsanddebtsarehigherprioritythanothers.
Prioritydebts
•Mortgage
•Rent
•CouncilTax
•Utilities(water,gasandelectricity)
•Courtfines
•Anydebtssecuredonyourproperty
Theseareallclassedasprioritydebts,eitherbecauseyouhavetopaythembylaworbecausetheymeetbasiclivingrequirementsforeveryindividualorfamily.
If youcannotpaythesebills,youmaylosethepropertyorservice.Becauseof this,theyareahigherprioritythanyourunsecureddebts.
Unsecureddebts
•Creditcards
•Storecards
•Cataloguedebts
•Unsecuredloans
•Bankoverdrafts
If you’vereceivedredundancypay,werecommendyouuseittopayforessentialhouseholdbillsonly.Thisisbecauseyoudon’tknowhowlongitmaytaketofindanewjob.
Makesureyouputyourredundancypayintoabankaccountwhereyoudonotowemoney.If youdon’t,thebankmaytakeittorepayanymoneyyouowethem.
YoumaywanttocontinuetopayyourNationalInsurancecontributionswhileyouarelookingforwork.If youareabletoclaimcertainbenefits,thegovernmentwillpaythecontributiononyourbehalf.Butif youcannotclaimbenefits,youcanmakethepaymentsyourself tocompleteyourqualifyingyear.Formoreinformationvisit:www.gov.uk
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StepChange Debt CharityRedundancy Guide
Managing your money
Paying your mortgage
If you’reahomeowner,andyouhaveamortgagepaymentprotectioninsurancepolicy,makeaclaimassoonaspossible.
If youdon’thaveinsuranceandthinkyoumaystruggletoaffordthemortgagepayment,thereareanumberof optionstotake.
Contactyourlender
Contactyourlendertoexplorethepossibilitiesofmovingtoaninterestonlyloan,takingapaymentholidayorextendingthetermof themortgage.Theseoptionsallowyoutoreduceyourmonthlypayment.
SupportforMortgageInterest(SMI)
If you’reahomeownerandgetcertainbenefits,suchasJobseeker’sAllowance,youmaybeabletoapplyforSupportforMortgageInterest(SMI)paymentsandCouncilTaxReduction.
SMIcanbepaidafter13weeksof unemploymentonmortgagesuptoamaximumof £200,000.
FurtherinformationregardingSMIcanbefoundbyvisitingwww.gov.uk
If you’reinarrears
If you’realreadyinarrearswithyourmortgageandyouhaven’tcontactedyourmortgagecompany,theymayapplytothecountycourtforpossessionof yourhome.Youneedtocontactyourmortgagelenderassoonaspossibletofindoutwhatoptionsyouhave.
Formoreinformationvisitwww.gov.uk
Sellingyourpropertyissomethingyoumayalsoneedtoconsider.
Free debt adviceFreedebthelpfromStepChangeDebtCharitycall0800 138 1111
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StepChange Debt CharityRedundancy Guide
Managing your money
Paying your rent
If you’rerentingyourhomeandthinkyoumaystruggletokeepupwiththepayments,thereareanumberof thingsyoucando.
Benefits
If you’rereceivingcertainbenefitssuchasJobseeker’sAllowance,youmaybeabletoapplyforHousingBenefitandCouncilTaxReductiontohelpyoustayinyourhomeuntilyouhavefoundanewjob.
Somelocalauthoritiesalsoprovideadiscretionaryhousingpaymentif youqualify.
Repayingarrears
If you’realreadyinarrearswithyourrentandhavenotcontactedyourlocalhousingauthorityorlandlord,youmustcontactthemassoonaspossibletofindoutwhatoptionsyouhave.Youmaybeabletoarrangetorepayyourarrearsovertimeatanamountyoucanmanage.
Youmaybeatriskof evictionif youchoosetoignoretheproblem.
Moving
Movingtoacheaperrentedpropertyissomethingyoumayalsoneedtoconsider.FurtheradviceregardingyourrightsandsolutionstohousingproblemscanbefoundfromShelter.
Visitwww.shelter.org.uk orcall08088004444(E&W),04350755005(Scotland),02980247752(NI).
Paying your rent
If you’restrugglingtomakeyourrepaymentsandworriedaboutyourlevelof debt,makesureyougetprofessionaldebthelpassoonaspossible.
Seekingearlyadvicetodealwithyourdebtswillhelpyoutofeelmoreincontrolandmayhelptolessenanyfeelingsof anxiety.
Thisiswherewecanhelp.Youcanuseouronlinetool,DebtRemedy,whichgivesyouacompleteandconfidentialdebtadvicesessionontheinternet.Itonlytakesabout20minutestocompleteandwillprovideyouwitharecommendedsolutiontoyourdebts.Itisanonymousandfreeof charge.Alternativelyyoucancallourfreephonehelplineon08001381111(8amto8pmMondaytoFridayandSaturday8amto4pm)tospeaktoadebtadvisordirect.
Yourqualifiedadvisorwilltailoradebtsolutionforyouandprovideyouwithabookletsettingoutwhatyouneedtodo.Wecanalsogiveyouexpertadviceonalternativecoursesof action.Nomatterhowhopelessyoufeelyoursituationis,wecanhelpyou
Free anonymous debt adviceFreedebthelponlinefromStepChangeDebtCharityatwww.stepchange.org
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StepChange Debt CharityRedundancy Guide
Next steps
Getting back to work
Itisimportanttostartlookingforanewjobassoonaspossible,butdotakesometimetothinkabouthowyoucanapplyyourstrengthsandexperiencetodifferentjobs.
Weighupallyouroptions
Takealookatthejobmarkettoseewhatthemostcommontypesof jobvacanciesare.Lookingforajobinthesamefieldmaynotbethebestcourseof actionif allsimilarjobshavebeenaffected,forexample,bytheeconomicdownturn.
Don’tforgettotalktooldcontactsandfriends.Alotofpeoplegetjobsthroughinformalmeansratherthanbyrespondingtojobadvertisements.
Afreshstart
Redundancydoesnothavetomeantheendof yourcareer.Itmaygiveyouanopportunitytouseyourskillsandtalentstoopendoorstonewpossibilities.Redundancycouldbethechangethatallowsyoutoreassessandevaluateyourkeystrengthsandtodecidewhereyouwanttotakeyourcareer.
Training and job search
Seekadviceonalternativejobsyoumaybeabletoapplyorretrainforthroughoneof anyof thefollowing:
UniversalJobmatch
ThisisBritain’slargestdatabaseof jobvacancies:www.gov.uk/jobsearch
Alsopleasecontact:•JobcentrePlus•Employmentagencies
Free debt adviceFreedebthelpfromStepChangeDebtCharitycall0800 138 1111
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StepChange Debt CharityRedundancy Guide
Next steps
Getting your finances back on track
Onceyouarebackinwork,it’simportantthatyoulookatyourfinancesandstarttogetthembackontrack.Usethischecklisttohelpyou:
Reviewyourfinances
Puttogetheranewbudget.Keepingyouressentialhouseholdbillsup-to-dateisyourtoppriority.
Clearyourarrears
Clearthearrearsonyourprioritybills.Putanarrangementinplacetoclearthemoverareasonableperiod.
UseStepChangeDebtRemedy
If youneedhelpandadviceonhowtopayyourunsecureddebts,useouronlinetool,StepChangeDebtRemedy,orcallourfreephonehelplineon08001381111tospeaktoadebtadvisor.
Startsaving
Ideally,werecommendyoubuilduptoaminimumofthreetimesyournetmonthlysalaryovertime.Keepthemoneysomewhereyoucanaccessitquicklyandeasily,asyoumayneedtouseittopaybillsorbuyfoodatshortnotice.
Considertakingoutinsurance
Thinkaboutgettingmortgagepaymentprotectionorincomeprotectioninsurance.If youdecidetotakeoutanyinsurance,takeadviceandbeclearonwhatthepolicywill,andwillnotprovide.
ContactthePensionsAdvisoryService
Findoutif yourredundancyhasaffectedyourpension,byvisitingwww.pensionadvisoryservice.org.uk orbycalling03001231047.
Contact us
If youwouldlikemoreadviceandhelpwiththeissuesdiscussedinthisguide,visitStepChangeDebtRemedy,ourfree,anonymousandconfidentialonlinetool.
StepChangeDebtRemedywillaskyousomestraightforwardquestionsaboutyourcircumstancesandgiveyoutailoredadviceandapersonalisedbudget.Youwon’thavetogiveanypersonalinformationormakeanycommitments.StepChangeDebtRemedyisavailable24hoursaday.
If youprefertospeaktosomeoneconfidentially,callourfreeHelplineon08001381111toarrangeatelephoneappointment.
Free anonymous debt adviceFreedebthelponlinefromStepChangeDebtCharityatwww.stepchange.org
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