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PDF

LOCAL INFORMATION

13.15.0.L3
Money advice service

Updated 23 December 2013

Extent: Jersey
January 1996
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Citizens Advice Jersey know how you feel if you have money worries. We know that whether it's one debt or many, whether it's hundreds of pounds or thousands of pounds, if you can't see how or when you can pay back, the stress can affect your work and your home life.

Because of this we have put together our Money Advice Service. It has come out of our experience of helping many clients over many years.

These are the questions most often asked .....

WHAT DO I HAVE TO DO?

Telephone and ask for an appointment with one of our Money Advisers. The first chat will be up to an hour while we piece together your total financial picture, please bring all the papers you have to help this along. Income & Expenditure sheets are available from us, these will help you to start preparing the information we need. If you wish us to negotiate on your behalf with your creditors you will be asked to sign an authority.

At the second visit we agree your expenditure (most people underestimate how much they need to live on) and income, so that we can put together an equitable repayment scheme for the creditors. Where applicable, creditors will be asked to freeze interest to prevent the debt increasing further. Any debts which could result in homelessness or an offence will be dealt with as a priority after the first visit. Once the scheme is accepted the administrative arrangements can be set up.

WHY WILL MY CREDITORS ACCEPT THE SCHEME?

Because they know that Citizens Advice has no axe to grind in the matter; no vested interest to protect; no profit to make.

Because they know that we consider the interests of all the creditors equally and fairly.

Because they know that they are seeing your total financial circumstances, possibly for the first time, and know the information is reliable.

Because they know your expenditure is realistic and your income maximised.

IT SOUNDS SIMPLE - WHERE'S THE CATCH?

It is simple. But, it requires your total co-operation and commitment and means some hard budgeting, often for a long time. It's not a cop out.

Finally, remember that Citizens Advice doesn't judge and doesn't charge in any part of its work.