We provide support and advice about debts, benefits and making ends meet, to help people manage their money.
Our services are for people who are struggling to manage their money and who may be in debt.
We are unable to give you Financial Advice; for example the best places to go to borrow money or which bank account to open.
We will discuss with you the areas that you need help with, and will agree a plan of action with you, which we will confirm in a letter to you.
If our work with you is likely to take longer than 9 months, then we may write a support plan with you to summarise what we hope to achieve and the steps you and Money Advice Plus will take to do this.
We will ask you to fill in an equal opportunities monitoring form. This information is fed back to our funders, but will not identify who you are.
These forms will allow us to contact other people and services involved in your support, including benefits agencies and medical services to let them know that we have your permission to work on your behalf. The written authority also shows that you agree for us to keep a record of your case.
We may also ask you to respond to questionnaires about Money Advice Plus which will help us to improve our services and help us to get further funding. We are always very grateful for feedback from people who have used our services.
No information about you or details about your case will be shared with another person or organisation without your permission. But, there may be some circumstances where we may need to override this rule (eg if you were at serious risk of harm) and we would always try and talk to you first in this case. Please ask us if you want a full copy of our Confidentiality Policy.
You can also see a copy of our Confidentiality Policy here
If we have concerns that you are being abused, financially, physically or emotionally, we may have to talk to Social Services about our concerns. We will usually try to discuss with you before we talk to Social Services. If you would like to see a copy of our Safeguarding Policy, please ask your worker or see our website here
We are a professional service, and we have a policy of professional boundaries, to help protect clients and workers, and so clients can be clear about what to expect from our service. If you would like more information, or to see a copy of our policy please ask your worker.
The people who work for Money Advice Plus and our clients have the right not to be harassed or bullied. If we notice this happening we will not ignore it and will look at what we can do to prevent it. Equally, if you have any concerns for yourself or anyone else, please let us know.
We will not tolerate discrimination towards our staff/clients regarding an individual’s ethnicity, faith, gender, sexual orientation, sex, health, disability, age or lifestyle. If you feel that you have been treated unfairly, on any grounds, please let us know.
If you are not happy with something we are doing for you, please tell us over the phone or directly to your Worker; we will listen to you and try to sort it out to your satisfaction.
If you have a complaint about any of our services, we deal with this in a set way, following our Complaints Procedure. Please ask us if you want a full copy of our Complaints Procedure.
You can also see a copy of our complaints procedure here.
Some companies specialise in giving instant loans but they do not consider if a person can afford to repay and they often charge very high interest rates. These companies sometimes use ‘door step’ collectors who can be very hard to deal with. They make it seem easy to borrow money. Often people start off with a small loan and if they miss a payment it gets converted into a larger loan so you end up owing far more than you originally needed or wanted.
If you have taken out a loan with someone who is charging you very high interest and you are not sure how much you owe and when the loan will be re-paid, please talk to your Money Support Worker. Also, you could be a victim of a loan shark: more information is here.
Debtor – the person who owes money
Creditor – the person who is owed money
Income – the money you have coming in such as welfare benefits, wages or pensions
Weekly Expenditure – the money you spend each week
Priority debts – some debts are more important than others, for example, rent.
Financial statement – this is your budget showing your income and expenditure. Debtors use this to show creditors what they are offering to repay is all they can afford.
Arrears – the amount overdue
Secured loans – money borrowed using your home as security
If you would like a full version of how to deal with your debts, including sample letters, please ask your Money Adviser.
We are a registered charity
By leaving something to this charity in your Will you will be helping us to continue to support people to manage their money
Please talk to your Money Adviser if you would like to be directed to someone who can help you to write a Will
Donations are also gratefully received – If you would like to make a donation, please make cheques payable to Money Advice and Community Support
Download map and details of buses & how to find us here.