Debt and money

Don’t let debt and money problems mount up. We can offer advice to get your money situation back on track. Whether you have questions about your rent or you’ve found yourself in a lot of debt, we can give you information and guidance on a range of different financial issues.

Getting advice on debt and money

If you need some guidance on managing your money, we can use our knowledge and experience to find you the support you need.

Here are some examples of the areas we cover:

• Managing credit cards or mortgages
• Getting out of debt
• Dealing with bankruptcy
• What to do if you’re about to lose your home or can’t pay your rent
• How to set a budget - and stick to it
• Understanding your pension
• Guidance on tax

Whatever type of money issues you’re facing, it’s important to remember - you don’t have to face this alone. We’re here to offer free, impartial and confidential support and guidance when you need it. Get in touch with Dalkeith & District Citizens Advice Bureau today. Please also download the Self Help Pack for information and tips on how you can manage your debt and money.

Appointment with a CAB Debt Adviser

If you make an appointment with a CAB Debt Adviser, it is helpful to have the following documents to hand when you speak with them.

• Your tenancy or mortgage agreement.
• Any Hire Purchase (HP) or Personal Contract Purchase (PCP) agreement(s).
• Your Council Tax bill for the current tax year.
• A draft statement of your Income and Expenditure (see pages 12-13 of the Debt Self Help Pack,) with as much detail of expenditure as possible.
• Recent wage slips, if applicable.
• The last 3 months of Universal Credit (UC) statements, if applicable, as a PDF file, print copy or log in details for your UC claim.
• The last 3 monthly bank statements for ALL accounts, even unused ones. If possible, in electronic PDF format for emailing.
• Your Experian credit report - obtain one free from this link.
• Any paperwork related to your debts (e.g. recent letters, statements, notices. etc.)