Managing Money

A growing number of horticulturists find themselves facing debt and financial hardship.

While taking control of your finances is not always easy, if you are facing debt problems, Perennial is here to help. With our support and expertise, you will be able to face the future once more.

Call us on 0800 093 8546 or email us to find out more today.

Perennial’s debt advice service is free, impartial and completely confidential, and the guidance you receive will be tailored to your individual circumstances. This dedicated service was set up in 2007 and its help is needed now more than ever, as more and more people feel the strain of economic pressures.

Our qualified IMA accredited debt advisers can help by negotiating with creditors, preparing financial statements, advising on bankruptcy, helping with court paperwork and offering representation at hearings. We can act on your behalf or provide you with the advice and information you need to deal with your problem yourself.

We can also help you plan for a more stable future by providing budgeting advice, information on the latest initiatives aimed at helping people in financial difficulties and help with identifying any eligible welfare or tax benefits. The benefits system can seem complicated, but our caseworkers and debt advisers are experts in this area. Whether you want advice on what you are entitled to, help on how to apply or if have a problem with your claim, we are happy to help, from completing forms through to representation at social security appeal tribunals.

We can provide financial support in the form of grants from our own funds, as well as advice on a range of statutory and charitable funds. This might be a one-off grant to help with day-to-day living costs such as food and fuel or on-going regular financial assistance. We also distribute grocery vouchers, make winter fuel payments and provide referrals to food banks.

Perennial is also able to provide financial aid and debt advice to children of horticulturists where one or both parents have died.


of clients said we had a 'huge' or 'quite big' positive effect on their lives. (Perennial client survey 2011)

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Helping Don get his life back on track

Having been Head Greenkeeper on a championship course for many years, Don was devastated when he lost his job.

Living alone and sinking into depression, he ignored the bills and his debts spiralled to such an extent that he was forced into bankruptcy and his home was repossessed.

Faced with homelessness, Don asked his local Council for help and thankfully, they knew to contact us. Immediately we were able to provide the funds for a deposit and rent on a small flat. A grant of £200 and the negotiation skills of our Debt Advisor also allowed Don to keep his car. Transport is limited in Don’s area and having a car is key to finding work, so we have assisted him in keeping the car on the road. Don has been through many ups and downs since we met him, but he no longer hides when he has a problem, instead he calls us.


of new clients in 2013 were under retirement age

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To find out whether we can help you or to ask for further information about any of our services, please contact us – all our advice and support is free and confidential.

Debt Advice Line: 0800 093 8546


Send us a message now using our online form to tell us more about you and your situation


of clients in 2013 were referred to Perennial's debt advice service

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