Two Pennies Money Advice is a face-to-face money advice agency. As a result of the ongoing coronavirus pandemic, we have had to suspend all operations. Two Pennies is not accepting any new clients, either by direct enquiry or referred by a professional. If you need help with money issues, we recommend you seek support from an internet or telephone-based organisation. The following provide free debt advice in this way:

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    We are sorry this action is necessary. However, we are obliged to follow UK government guidance to protect the health of us all.

    I need help with my debts

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    I am a professional. I want to refer a client for help with their debts

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    What our clients said

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    The service was very professional, helped me sort out my priorities and looked at everything including outgoings I hadn’t thought about. It has helped me with my perspective on money!!
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    Easy to contact, friendly non-judgemental advice
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    Good to talk about finances in a healthy and constructive way. To challenge yourself with long term views
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    Very informative and helpful with my current situation and future situation
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    Supportive, understanding and good advice and knowledge shared
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    I am very pleased (to say the least) with the service provided. I couldn’t have wished for a better outcome for the problem I had
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    Service was excellent. The adviser was not just super-helpful but also friendly and very understanding
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    Extremely helpful. Makes you feel at ease. I did not think I would feel this relaxed and stress-free during this
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    [From the client’s friend] She seems to be managing quite well with what you have advised… That has helped her in other areas of her life, having more security, bringing down her anxiety and stress. She has also been able to buy essential things for her home for the first time in years
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    Very helpful and knowledgeable, as well as friendly and reassuring
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    Quick to respond. Generous with time. Fair and kind
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    I am very grateful to Two Pennies Money Advice. It has been very stressful but I feel more positive now
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    Very good. Very friendly and professional. Would happily recommend it to other people
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    Before Two Pennies I did not understand how much I was spending. The help I received was very good. I feel the money adviser listened and supported me through things. He was very good and helped me work to a budget so I am feeling much better now. The way I was helped has boosted my confidence
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    I found my experience very helpful. I was stressed and anxious to start off with. I found the adviser very kind and he supported me. I was very satisfied with all the help that was offered to me. It has helped me a great deal
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    [From a support worker] Thank you for your help regarding Miss X and her many challenging issues. When I met Miss X she was very emotional and described herself as drowning in debt with no way out, she admitted that she had her head in the sand. When I met Miss X last week, what a difference, she is opening mail, she tells me that she is sleeping better, she has moved out of the studio and is relieved, not anxious about letting it go. Miss X is going to the GP for sicknotes and is attending other appointments. Miss X now has an income and assures me that she is more confident about her finances and checks her balance weekly. Please understand the important role that you and TwoPennies played in this transition, Miss X would not have worked with someone that rushed her into decisions, your patience and holistic methods were crucial in gaining her trust. Miss X has the DRO and has set up direct debits to pay her on-going utility usage and bills
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    Things were…done thoroughly and I appreciate the time taken to help me through the debt I had
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    I have really appreciated the time and effort that has been put in to help me with my debt situation. I did not think I would ever feel the big weight off my shoulders go until I came to Two Pennies. I have recommended Two Pennies many times.
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    I have been delighted with the help I have received. Professional, discreet, compassionate. I honestly was at such a low point when I met you and left after our first meeting knowing I had '2 Pennies' on my side and that they would do the best by me. That made me feel so much more in control.
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    [From a social worker] We have been very grateful for all your support. When the extent of Mr W's debts came to light, I had no clear idea how to support him to resolve the issue and your help has been invaluable. Mr W has had periods in his life when he has reacted badly to life events and he has had to spend time in a secure hospital. The debts that had mounted up combined with divorce could have triggered anxiety and subsequent behaviour that would have resulted in a similar loss of liberty. With your support I believe we have avoided this outcome and helped Mr W remain living in the community. I know he is feeling much more settled and positive now that he is debt free.
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