Debt advice that made a difference

21 August 2026 • 5 min read

SNG customer Witney was struggling with debt and worried about losing her home when she turned to SNG's Debt Advice Service for support. By working together, we helped her find the right solution, protect her tenancy and clear nearly £36,000 of debt.

When something didn't feel right

In February 2026, she was referred to SNG's Debt Advice Service because she was worried about going ahead with an Individual Voluntary Arrangement (IVA). She didn't think she would be able to afford the payments and wasn't sure it was the right choice for her.

At the same time, she was behind on her rent and worried about losing her home.

Finding the right solution

Our team took the time to understand her finances and talk through all the options available. She also worked hard to gather information about 55 different debts so we could get a full picture of her situation.

During our review, we found more than £22,000 of debt that had not been included in the original IVA proposal. If this debt had been missed, she could still have been responsible for paying it in the future.

After looking at all the information, we found that a Debt Relief Order (DRO) was a better option for her.

Protecting her home

As well as helping with her debts, SNG worked with her Account Officer and Money Advice Plus to agree an affordable plan for her rent payments. This helped stop court action from moving forward and meant she could keep her home.

A fresh start

After months of hard work, her Debt Relief Order was approved. Nearly £36,000 of debt was written off, giving her a fresh start. She kept her home, avoided court action and gained the confidence to manage her money on her own.

"I knew something didn't feel right, but I didn't know what my alternatives were. The Debt Advice Team took the time to understand my situation and explain my options clearly. They supported me every step of the way and helped me find a solution that worked for me. When I felt overwhelmed, they were incredibly supportive and helpful.

I cried many tears, but they helped calm me down, reassured me and showed me a way forward. It took a huge weight off my shoulders. I feel much more confident about my future, can look forward to a brighter and healthier future, and will be forever grateful for the support I received."

“The best outcomes happen when we work together. By bringing different teams and support services around the customer, we were able to find a solution that worked for her, protect her tenancy and help her move forward with confidence."

Getting support

If you're worried about debt or not sure where to turn, SNG's Debt Advice Service can help.

We offer free, independent advice to help customers understand their options, deal with money worries and take steps towards a more secure future.

Find out more about SNG's Debt Advice Service.