Money Advice Service

How it works

We work with the Money Advice and Pension Service to provide debt advice in face to face, telephone and online appointments.

Our trained advisers and caseworkers can help clients explore their debt problems, look at ways of increasing income and reduce outgoings, and explain their options for dealing with debt. They will also help you understand your rights and responsibilities and those of your creditors.

Our debt advice is free, independent, confidential and impartial.

Telephone advice

You can contact Citizens Advice Debt helpline to speak to one of Citizens Advice advisers over the phone. It is available 9am to 8pm Monday to Friday and 9.30am to 1pm Saturday

Online advice

You can chat to one of Citizens Advice trained advisers about your debt problem using chat. It is usually open between 9am and 8pm Monday to Friday and between 9.30am and 1pm Saturday 

Confidentiality and Consent

The records we keep are for the use of Citizens Advice Plymouth only. We will not tell anyone about your enquiry and we will not pass your sensitive personal information to any third party without your permission, other than in exceptional circumstances. Some of your date will be shared with the Money Advice and Pensions Service and more information can be found by clicking here.

An advice appointment with us

Your adviser will:


Help you to explore your debt problem


Look for ways to increase your income and reduce your outgoings


Explain the debt options you have and how they will affect you


Keep you informed about any action we take and the progress of your enquiry

In return, we ask that you:


Attend all appointments we arrange for you (or let us know if you can’t)


Let us know if there is a change in your circumstances that may affect your case (such as a birth of a child, an increase or reduction in your income etc).


Provide all the information and the evidence your adviser asks for, e.g. evidence of your income, spending and debts. Failure to tell us everything may mean our advice is not correct.


Do not borrow more money or enter into a new credit agreement.

Please note

Creditors may continue to add interest and charges to your debt.
Your credit rating could be affected if you enter into a payment arrangement or insolvency solution.

It is important that you continue to pay all your priority bills.

Trusted Partners

In some circumstances we may refer you to a trusted partner for further help. This may be within the Citizens Advice service or outside of it. We regularly review all our trusted partners to ensure they meet the highest standards of customer service and quality advice.