Written evidence to the committee from Money Wellness highlights that when people are starting to struggle financially, early identification of problems and intervention, including making people aware of support available to them, can be key to preventing debts occurring or accumulating and becoming unmanageable.72 CCW told us that customers in financially vulnerable circumstances are not getting the help they need early enough in the process, and are not always proactively offered the help they need or are even aware that it exists.73