We know a lot of people are struggling with their finances right now, and it can be a confusing and frightening time. If you have found yourself falling behind with payments, struggling to pay for your essentials, or at risk of enforcement action we can help.
At Citizens Advice Torridge, North, Mid and West Devon we have a dedicated Money Advice team who can provide you with free debt advice, check you’re getting everything you’re entitled to and help with money management.
Our friendly and professional team can look at your income and expenditure, advise you on your options and help you take the next steps. Simply fill in our Money Advice referral form and one of the team will contact you to arrange an appointment.
Please note, that by completing this referral form you consent to the following:
We will use the information you provide in your enquiry to provide you with advice and to direct you to the right service. By choosing to include any Special Category Data (including but not limited to information about your health, ethnicity or trade union membership) you are consenting to us using this information for this purpose. Your details Your Name First name: Last name: Your Address First line: Town: Post Code: Your Contact Details Telephone Number: Do we have permission to leave a voicemail on this number? Yes No Email address: Section 1 : About your debts Please can you provide us with a rough estimate of your total level of debt? Please can you give us a rough breakdown of who the creditors are and how much you think you owe to each of them? Are the debts you’ve told us about in your sole name or joint names with someone else? All debts in Sole name Mixture of Sole and Joint names All debt in Joint names In the past, have you ever had, or are currently receiving debt advice from either another Citizens Advice service or an external debt advice agency? If so, when and who? Section 2 : About your household Are you in receipt of benefits? Yes No What benefits are you in receipt of? If known, please tell us how much you receive. Are you in work? Yes No
Do you know the number of hours you work each week and your net wages/take home pay? Do you currently have a partner who lives with you? Yes No Section 3 : Help us to identify any emergencies Do you know if there are any emergencies we should be aware of? (For example, bailiff action, house repossession, court hearings or immediate fuel or food poverty?) Yes No Not Sure
Please specify your emergency? Do you know when enforcement action may come into force?
It’s okay if you’re not sure, but can you tell us a bit more about why? (For example, you’re not opening or have thrown away post and emails? Struggling with your health?) Are you currently struggling to pay any of the following? Rent Mortgage Council Tax Fuel Costs
If rent, by how much? Have you spoken to your landlords about this/what is your understanding of their current intentions regarding the arrears?
If mortgage, by how much? Have you spoken to your mortgage providers about this/what is your understanding of their current intentions regarding the arrears?
If Council Tax, by how much? Have you spoken to your local council about this/what is your understanding of their current intentions regarding the arrears?
If fuel, by how much? Have you spoken to your energy provider about this/what is your understanding of their current intentions regarding the arrears?
Thank you for completing this referral form, your enquiry is now being processed and one of the team will be in touch within 2-3 working days.
Please note that whilst we aim to contact you as soon as possible, we will work through referrals according to priority and based on available resource.
If you require emergency advice you can contact us on Adviceline 0808 27 87 999 or go to https://www.citizensadvice.org.uk/debt-and-money/ and contact an Adviser by Webchat. Alternatively there are other free debt advice agencies such as PayPlan 0800 280 2816 www.payplan.com, National Debtline 0808 808 4000 www.nationaldebtline.org and StepChange 0800 138 1111 www.stepchange.org