Our 2025 impact in numbers, highlighting the difference practical, compassionate advice makes.

After falling victim to a sophisticated crypto scam, a local client came to us feeling overwhelmed, ashamed and close to depression. With support, clear advice and time, she has found a way forward and begun rebuilding her life.

December 2025 update: supporting local people through financial pressure

After the closure of a local business left a client facing nearly £50,000 in personal debt, we helped them explore their options and find a way forward. With the right support, a Debt Relief Order provided the fresh start they needed.

In our July 2025 newsletter, we share updates on our work supporting local people facing debt and financial pressure, alongside reflections on the challenges many households continue to face. We also highlight the difference timely debt and benefits advice can make, and the ongoing impact of our work in the community.

Tony Gilbert stepped down as Chair of HMAC after many years of faithful service. From adviser to Trustee to Chair, his steady leadership has shaped the charity from the very beginning.

We’re delighted to share that Richard Payne, HMAC’s Centre Manager, has received an Award of Merit from Harpenden Town Council, recognising his long-standing commitment to supporting the local community.

After losing vital disability benefits, a single mother came to us feeling overwhelmed and uncertain. With persistent support through the appeals process, she was awarded the correct level of support — transforming her family’s financial stability and independence.

In our December 2024 newsletter, we share updates on how we’ve been supporting local people with debt, benefits and budgeting worries, alongside reflections on the pressures many households face at this time of year.

After struggling with debt and feeling ashamed to ask for help, a client came to us feeling nervous and uncertain. With clear advice and support, she chose a Debt Relief Order — and when it was granted, she described it as a huge weight lifted and a moment of real relief and hope.

In our August 2023 newsletter, we share updates on our work supporting local people with debt, benefits and budgeting concerns, alongside reflections on the financial pressures many households are facing.