Money Advice

Confidential advice for clients to help them manage their money more effectively, reduce their outgoings and move out of debt is one of our key services. We can support you to manage and move out of debt by looking at different debt solutions to resolve your debt problems as well as helping you to understand, develop and maintain household budgets, improve your budgeting skills, or access bank accounts or Credit Union membership.

You may have had a change in circumstances, such as redundancy or a serious illness, which can have a dramatic effect on your financial situation. We are here to understand and assist you to budget and manage any debts you have.

We can also assist with helping to locate old pensions, pension forecasting and signposting onto other organisations such as iHeat and Legal Services Agency for other specialised help. We can carry out a comprehensive benefit check to make sure you are receiving all the benefits that you are entitled to, ensuring your household income is maximised as much as possible.

For example, Mrs McC called in with a letter from a debt collection agency. Her debt was originally with Tesco, and she had been unable to deal with any letters that were sent to her. Mrs McC now wanted to repay her debt but didn’t know where to start. We filled in a financial statement with her and confirmed that the debt was hers. We also carried out a benefit check to make sure she was receiving all the benefits that she should be claiming.

Once we had worked out her income and expenditure we had a clearer idea of the different debt solutions that Mrs McC could access. We contacted her creditor with her updated financial statement and an offer of payment that Mrs McC felt comfortable with, which was accepted. With regular contact from us and guidance, Mrs McC is well on her way to clearing her debt.