Citizens Advice

Citizens Advice

Citizens Advice Bureau is a network of independent charities which exist in local communities to help people resolve their money, legal and all sorts of other problems. We're fortunate to have such an established organisation such as Citizens Advice in the UK. We would certainly recommend that you talk to one of their advisors if you're looking for advice around how best to solve a debt probelm.

"Citizens Advice Bureau has seen debt enquiries double in the last ten years. Debt is now the number one issue facing those who visit, accounting for nearly 1 in 3 of all enquiries. CAB advisers are currently dealing with thousands of new debt problems every working day."

Most Citizens Advice service staff are trained volunteers. If you want to arrange a meeting you'll find that they have around 3,400 community locations in England adnd Wales, run by 360 registered charities - as at March 2012, so hopefully you'll find one near you.

The Citizens Advice Bureau 'Advice Guide' provides lots of information and help on debt and money issues also.

Need a debt charity to help you today? We can help

To ensure you get the right advice for your needs, why not read our review of the UK's best debt charities. This list helps ensure that those in serious debt avoid advisors who charge excessive fees or feel it's reasonable to extend the period individuals are in debt beyond what is fair.

 

Find Out More About The Debt Solutions Considered

Solutions
Debts Written Off
Legally Binding
Interests & Charges
Residential Status
Fees
Notes
IVA
Yes - Average 58%
Yes
Stopped
Tenant or Homeowner (Eng/Wales)
Yes on average around 20% of the payments you make to creditors
Typically you must have debts over £15,000 and be able to offer yourcreditors about 20% of the value of the debt back over 5 years.
Debt Management
No
No
Many Freeze
Tenant or Homeowner
Yes
In a Debt Management Plan, you will be required to repay all of your debt in full.
Consolidation
No
Yes
New Rates & Charges
Tenant or Homeowner
Yes
Consolidating your debts generally means you'll pay more back over a longer period of time.
Bankruptcy
Yes
Yes
Stopped
Tenant or Homeowner (Eng/Wales)
Yes - up to £700 depending on your circumstances. You may also be subject to a 3 year Income Payments
You need to think carefully about all the affect bankruptcy will have on your home and your employment.
Debt Relief Order
Yes
Yes
Stopped
Tenant
Yes - £90
You must have debts under £15,000 and have little in the way of assets

If you call CAB after visiting this website or have dealt with Citizens Advice and would like to share your experience with the Talkaboutdebt community, please contact us.

Finally...

On a less serious note, did you know that the Citizens Advice Bureau is also one of the most misspelt advice organisations. Here are some of the spellings that we've come across on our site alone..."citizens bereau", "citizens beureau", "citizens beuro", "citizens bureau", "citizens burea", "citizens buro", "citizens bureu", "citzen advice", "citezens advice", "citzens advice", "cab advice", and last but not least "citezen advice".

So, even though there's lots of confusion over their name, we believe that they're an important organization and a welcome feature in our communities.

 

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Towns where you will find the Citizens Advice (A – Z)

What others have said

Please remember that these reviews are the opinions of people visiting our site and so can be very different from our own views.

I was really happy with their service. I was really nervous and they mad
Reviewed by:
Rating:
5

Would reviewer recommend this organisation? Yes
I was really happy with their service. I was really nervous and they made talking about being in debt ok. I ended up with an IVA and it's working out well for me and the family.
I struggled to get through to them at first and when I did I thought the
Reviewed by:
Rating:
3

Would reviewer recommend this organisation? Yes
I struggled to get through to them at first and when I did I thought they were pretty good. They suggested debt management to me. An IVA has been suggested by another company. I now need to decide who's right.
I had to wait a long time for my interview and in the end was offered a
Reviewed by:
Rating:
4

Would reviewer recommend this organisation? Yes
I had to wait a long time for my interview and in the end was offered a debt management plan. It took and about 7 weeks from initial contact to when I was up and running.
I had never heard of them before and I actually think they were good. Th
Reviewed by:
Rating:
3

Would reviewer recommend this organisation? Yes
I had never heard of them before and I actually think they were good. The lady on the phone was nice and the advice makes sense. I have been sent paper work and I now need to sign and send it back. Would I recommend them. I can't say yet as its too early.
I thought they was good.
Reviewed by:
Rating:
4

Would reviewer recommend this organisation? Yes
I thought they was good.
Dept Free Direct have helped me organise an iva and i think they are goo
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? Yes
Dept Free Direct have helped me organise an iva and i think they are good.
I have tried calling Pay Plan and get automated options that don't make
Reviewed by:
Rating:
1

Would reviewer recommend this organisation? No
I have tried calling Pay Plan and get automated options that don't make sense as I am not a customer and have now given up :(
money debt and credit are a very good company. They were very polite and
Reviewed by:
Rating:
4

Would reviewer recommend this organisation? Yes
money debt and credit are a very good company. They were very polite and very patient when they rang me. They managed to get me a debt management plan at a very affordable monthly rate. I would suggest this company for those who need advice on debt or for those who need a debt management plan.
I have been with payplan for 18months they went through my income and ex
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? Yes
I have been with payplan for 18months they went through my income and expenditure fully and came up with a realistic and affordable monthly payment with me. They dealt with all my creditors and the harassing phone call and threatening letters soon stopped. You are provided with an online facility that lets you see who you owe money to and how much each balance is. I contacted a lot of debt management companies who all tried to get me to do an IVA because they collect a lot of commission for selling them. Or they would keep a large portion of what I paid each month. With Pay Plan every penny comes of my debt and what I like most is you can actually see the end balance going down when you log on to your account.
Churchwoods helped me when i was in a difficult situation. They helped m
Reviewed by:
Rating:
0

Would reviewer recommend this organisation? Yes
Churchwoods helped me when i was in a difficult situation. They helped me reduce my debt payments to a more manageable figure and tackled the interest and charges.