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BANBRIDGE _ DISTRICT CITIZENS ADVICE BUREAU

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BANBRIDGE _ DISTRICT CITIZENS ADVICE BUREAU Powered By Docstoc
					BANBRIDGE & DISTRICT
  CITIZENS ADVICE
      BUREAU
  THE CHARITY FOR YOUR
       COMMUNITY

       Joan Davis
        Manager
          MONEY/DEBT ADVICE
AIMS:
   The Money & Debt Advice service aims to provide a Free, Confidential,
    Impartial and Non judgmental service to the public

OBJECTIVES:
   The Money & Debt Advice service is client focused

   Empowering each individual to break the cycle of credit
    dependence

   Assist each individual to resolve their difficulties in a way that
    restores self-confidence and dignity

   Assist each individual to regain control of their situation and
    prevent a recurrence of their financial difficulties

   Assist in the area of preventative budgeting
    SERVICE PROVISION FOR
    MONEY AND DEBT ADVICE
   A ONE OFF GENERAL MONEY AND DEBT ADVICE
    SERVICE

   A PREVENTATIVE BUDGETING ADVICE SERVICE

   AN ONGOING SUPPORT SERVICE WHOSE GOAL IT
    IS TO EMPOWER THE INDIVIDUAL TO TAKE
    CONTROL AND RESOLVE THEIR DIFFICULTIES

   A CRISIS INTERVENTION SERVICE WHERE
    COMPLEX DEBT CASES MAY BE RESOLVED
        SELF HELP PROCEDURAL
                GUIDE
   Self help route for clients who are confident and capable of
    managing their own debt situation.
    It is important that we do not take over a situation that the client
    is capable of dealing with themselves as this goes against our aim
    of empowering the client

   It is considered that the following client categories are not
    suitable for immediate referral to the self-help programme:

   Clients who have multiple debt with at least one or more priority /
    statute debt

   Clients with serious health problems which renders them
    incapable of conducting their financial affairs

   Literacy, numeracy, learning or other difficulties
        Complex Debt Resolution
   Identify the nature and extent of personal debt

   Identify priority and non-priority debts, recognise and
    respond when emergency action is needed

   Check for each personal debt the extent of clients’ liability,
    where this may be challenged and progress with approval
    of client

   Advise on maximising income and where appropriate assist
    client in making claims for welfare benefits backdated
    claims and appeals

   Assist the client to analyse household spending, draw up an
    appropriate financial statement of income and expenditure
    based on client’s needs and priorities.
                             AND
   Calculate where there is any available income, with offers of
    payment to creditors on a pro rata basis

   Explain the means available to creditors for collection and the
    consequences of non payment to include debt enforcement
    procedures and practices

   Identify, discuss and agree with the client suitable strategies for
    responding to their personal debt e.g. using consumer law and
    insolvency procedures (IVA & Bankruptcy), request debt written
    off, negotiate repayments and appropriate methods of payment
    with creditors

   On completion of successful negotiations the file should be
    closed and reviewed if the client notifies the adviser of a change
    in circumstances.
                   HOW MUCH?
   Citizens Advice report warns that many now face a
    lifetime of debt

   New research by national charity Citizens Advice suggests
    that many people turning to them for help are sinking
    deeper into overwhelming debt from which it will take them
    a lifetime to escape

   A recent report published by CAB revealed debt clients owe
    an average of £13,153 - almost a third more than they did
    three years ago, and the equivalent of 17.5 times their total
    monthly household income. It will take them an average of
    77 years to pay off the money they owe at a rate they can
    afford.
              BY WHOM?
   67 YEAR OLD WOMAN OWING £14,000, CREDIT
    CARDS AND LOANS,IN RECEIPT OF BENEFITS

   COUPLE WITH 4 CHILDREN, EXPECTING 5TH
    BABY, £138,201.00 PRIORITY DEBTS PLUS
    £25,788 NON-PRIORITY

   COUPLE BOTH IN EMPLOYMENT,NO CHILDREN,
    £26,514 IN NON-PRIOITY DEBTS

   SINGLE MAN, COLLEGE LECTURER UNTIL
    DIAGNOSIS OF SCHIZOPHRENIA, RENT ARREARS
    £6290, NON PRIORITY DEBT £3763
              HELP
   10% OF OUR WORK IS DEBT
    RELATED, VARIES ACROSS CAB
    NETWORK
   REFERRALS
   PUBLICATIONS
   WWW.ADVICEGUIDE.ORG.UK
   WWW.CITIZENSADVICE.CO.UK

				
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posted:8/8/2011
language:English
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