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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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.

What can I say about the CAB? Whilst they do a great deal of work in t
Reviewed by:
Rating:
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Would reviewer recommend this organisation? No
What can I say about the CAB? Whilst they do a great deal of work in this area and they used to have a great service, now they come across as putting barriers in peoples way from getting urgent help. Run by volunteers who still need to 'check' with the supervisors about what to advise a client, they have become a sloooooooooow way of getting help. And don't get me started on the fact that training takes too long and paid staff are over-professionalised. In my area NorthWest, it takes months to see a specialist Debt Advisor, who may still not be able to take your case! People in crisis debt need help asap, so they should steer clear of CAB. They'd be better looking for a local free Advice Centre. Don't rate 'em.