Enjay Debt Advice

21/07/2026

📣 Current pressures are making debt harder to manage

📊 Household costs remain elevated, borrowing is still expensive and energy arrears are increasing.

UK household costs rose by 3.6% in the year to March 2026, while Bank Rate was 3.75% in June.

Average energy arrears without a repayment arrangement reached £1,876 for electricity and £1,623 for gas in the first quarter of 2026.

💡 If rising rent or mortgage payments, energy bills, food costs or credit repayments are stretching your budget, act early.

✅ List what you owe
✅ Contact creditors before missing a payment where possible
✅ Prioritise bills with the most serious consequences—such as rent or mortgage, Council Tax and gas or electricity.

🤝 We offer confidential debt advice based on your individual circumstances and can explain the options that may be available.

🔒 Please do not share personal or financial information in public comments or direct messages.

13/01/2026

At Enjay, we’ve been helping people find a way out of debt since 2008. Every January we see a rise in calls, and this year is no exception. This BBC article highlights the same issues we’re hearing from clients every day.

Debt isn’t something people often talk about, but most of us have it — mortgages, loans, overdrafts, credit cards or store cards. When these are taken out, they’re affordable. Problems usually start when circumstances change: job losses, reduced income, rising bills or changes at home.

Unfortunately, lenders often focus on collecting money rather than understanding what’s changed. This can lead to stress, constant calls and letters, and even taking on more debt just to keep up.
What many people don’t realise is that priority bills — such as rent or mortgage, utilities, council tax, food and clothing — should always come first. Creditors also have a duty to treat customers fairly.

There are free services available, such as Citizens Advice and StepChange, which do admirable work. However, many people choose Enjay because they value having a dedicated advisor and clear support throughout the process.

We work to freeze interest, stop charges and agree affordable repayments — so you only pay what you can afford. Our aim is to take on the stress, so you don’t have to.

If you’re struggling and don’t feel able to talk to friends or family, talk to us. We really can help.

👉 Message us today for a confidential chat

https://www.bbc.co.uk/news/articles/c0er4n1zelro
https://www.enjayfinance.co.uk/debt-support-hub/

Debt charities say that calls have risen compared with last year as people are urged to seek help.

11/08/2025

We recently saw a BBC article that tells a story we hear every single day.

Debt is still treated as a taboo subject — and far too many people suffer in silence. But it doesn’t have to be that way.

Many have faced aggressive collection tactics from lenders, but what’s rarely mentioned is this: lenders must follow strict FCA guidelines. They are required to treat customers fairly, check for signs of vulnerability, and remind you that priority bills come first — before any debt repayments.

If this sounds familiar, you’re not alone. Message us at Enjay for clear, confidential advice on where you really stand.

https://www.bbc.co.uk/news/articles/ce8zl528d57o

https://www.enjayfinance.co.uk/debt-support-hub/

Campaigners warn of a looming crisis if more isn't done to help those with growing unsecured debt.

13/06/2025

💬 A new article out yesterday highlights how deeply debt can affect people’s lives. Many suffer in silence, feeling isolated and overwhelmed.

At Enjay, we’ve been supporting clients since 2008—helping them see they’re not alone. Debt is more common than you think, and you do have options.

🤝 We’ll guide you through the process and help you take a stand. Creditors are required to treat you fairly—it’s FCA-regulated.

📲 Reach out today. Let’s lift that weight off your shoulders.



https://www.hampshirechronicle.co.uk/news/25227251.christians-poverty-romsey-reveals-impact-debt/

https://enjayfinance.co.uk/debt-support-hub/

More than £12,500 is owed by people in the South East who seek help from a debt charity, according to new figures.

02/06/2025

Just looking at the latest figures for country-wide Breathing Space registrations - giving people space to get on top of their debts.

We're up 4% vs this time in 2024. Good article from the Independent.

Lot's more people to help - get in touch, or recommend us if you there is somebody you think we can help.

Around 8,033 breathing space registrations were recorded in March 2025, up is 4 per cent from the same time last year

02/06/2025

Enjay Finance - New look. Same mission. 💫

We’re excited to announce that we've brought our Debt and Claims Management businesses together into a fresh new brand! 🎉

Why the change? Because we're growing - we've just helped our 30,000th customer! - and we're offering even more Debt and Claims Management services. It's time to evolve to a fresh new identity that better reflects who we are and where we’re headed.

✨ What’s New:
✅ New name
✅ New logo & visual identity
✅ Same team, same passion, same commitment to helping you take care of your money.

This is more than a facelift — its a major milestone to mark the start of bigger things for Enjay.

Thanks for being part of our journey.

Nico & John

www.enjayfinance.co.uk

👇 Check out our new look and tell us what you think!

20/11/2023

Struggling with debt.
start by getting organised, set a regular time to look at your bills.
discuss your issue with some one don't bottle it all up.
Look after your self physically & mentally
Taking the first step is the hardest part
Seek professional help.
Enjay Debt Advice Enjay happy to help and advise .