WE ARE STILL HERE; WE ARE STILL HELPING PEOPLE WTH PRIORITY ISSUES

We have launched an action plan to continue an essential service that focuses and targets those who are most vulnerable in our region.

DAGCAS has a duty of care to our clients, our staff, our volunteers and the public in complying with government guidance to help contain the spread of COVID-19. Therefore we have taken the difficult decision to paused all face to face contact with the public across all our bureaus and outreach clinics.

We are delivering an essential service that fully focuses its attention on telephone, webchat and email enquiries.

These are unprecedented times for everyone, we will be here to help people navigate through these challenges that we are facing. DAGCAS offers independent, impartial, free advice to people in Dumfries and Galloway. People are currently contacting us for help with issues such as Universal Credit, employment, debt, finance and other benefits.

We are extra busy during these challenging times and appreciate your patience. To manage demand and pressure on our telephone lines we have a minium of 10 Advisers answering the phone lines and we are dealling with email enquiries as quickly as possible.

To help relieve the pressure on our phone lines please only call us if your enquiry is urgent, for all non-urgent enquiries please email. We thank you for this in advance.

People can access our essential services:


Find out more about Coronavirus by visiting nhs inform.

For more information about what Coronavirus means for you, check out our COVID-19 page.

💙💛  We will give regular updates on our services. Best wishes from everyone from Dumfries and Galloway Citizens Advice💙💛

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Home | COVID-19 | Struggling to pay your mortgage?

Struggling to pay your mortgage?

23rd April 2020

If you can’t pay your mortgage

If you ask your mortgage provider, they might agree to pause your mortgage payments for up to six months. This is called a ‘payment holiday’.

You can ask for a payment holiday for somewhere you live or somewhere you’ve bought to let. If your mortgage provider agrees, it won’t affect your credit rating.

It’s best to ask your mortgage provider for a payment holiday on their website if you can. They have to agree to give you a payment holiday if:

If you can, keep making your payments until your mortgage provider agrees you can take a payment holiday.

After your payment holiday you’ll still need to make up the payments you missed, plus interest added during the payment holiday. This means you’ll have to either:

You can find out more about payment holidays on the Financial Conduct Authority’s website.

You can also find out more about dealing with mortgage problems.

If you’re behind with your mortgage payments

You should talk to your mortgage provider. They might still agree to give you a payment holiday.

At the moment, your mortgage provider shouldn’t try to repossess your home. They should pause any action they’re already taking until at least 18 June 2020.

Courts have also paused all possession cases.

If your mortgage provider’s still trying to repossess your home, contact us for help.

Call our freephone number 0300 303 4321 or email us by filling in our online enquiry form.

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