Debt Consolidation - Member Case Study

• Two years ago the member’s loan application was declined to help provide the opportunity to “pay down” their debts 

• The member was encouraged to come back in 2-3 years 

• During that time sufficient debt was paid off and they could reapply 

• Two years on a new debt consolidation loan was approved, ensuring the member was paying the same (affordable) amount each month to us  

• BUT most importantly they could now get on top of the debt they owed to high interest credit cards and payday lenders 

Happy Member.  

Are you experiencing financial difficulty? 

Please don’t suffer in silence and let debt get out of hand.   

Talk to us as early as possible so that we can help you avoid sinking into further debt. 

We will always do what we can to help you. 

• We can check your savings balance - quite often our members are surprised by how much they’ve saved when it’s deducted from payroll.  You might have more in savings than you think!

• We can help you consolidate your high interest debt into one manageable, lower interest monthly payment.  Ts/Cs apply.

• Already have a loan with us and can’t afford the payments right now?  Please let us know so that we can look at an affordable repayment plan for you. 

For free debt advice, we fully endorse speaking with a debt help charity such as CAP or StepChange. 

Talk to us today. 

Email creditunion@harpandcrown.co.uk or phone 028 9068 5198. 

“Save regularly and borrow only what you need.”

The Harp and Crown Credit Union provides safe, secure, flexible finances for the wider police family in Northern Ireland.