Meet the Debt Adviser
We appreciate that the first step of making contact for free debt advice is a big one and can feel overwhelming, we developed this guide to help you understand the role of the debt adviser and what to expect when you meet us.
Sharing your information with a Debt Adviser
We apologise in advance, we ask a lot of questions about you and your finances but we do this for very good reasons; to make a full fact find assessment of how we can help you best.
Your information is completely confidential, we will not share anything about you without your permission. Please read Money Advice Hub's privacy notice for more info.
We are often told things of a very personal nature and will always be sensitive and practical with this information. We might encourage you to share sensitive information if we think it will help create better understanding with your creditors. Please take a look at our Debt and Mental Health page.
Your detailed household and/or personal budget is a really important part of the debt advice process, we must make sure it is as accurate as it can be before going through your debt options. You might find your debt adviser needs to create different budget versions, this is because your everyday finances often change at different parts of the year.
Due to our regulation and some of the external organisations that we deal with, we do need to verify some of your documentation and personal information. It is really important that you get these to us asap because delays can cause your debt position to worsen. We will always try to make it as easy as possible to get info to us, such as using free scanning apps and free apps to send image files, such as WhatsApp.
We record your enquiry information and what advice we have given on secure case management systems to make sure we always know where we are with your case enquiry.