What do the Money Talk Team do?
A conversation over the phone, by web chat or appointment with the Money Talk Team in a CAB involves an informal chat to see what you might be entitled to, and advice to help you make the most of your money. The advisers will check for you whether you’re getting as much income as you possibly could and find ways that you could pay out less each month. The Money Talk Team service can be accessed over the phone or in person at your local Citizens Advice Bureau
How will an adviser help me save money?
This depends on your personal circumstances, but the main ways an adviser can help is by finding you: • Cheaper deals on things like gas and electricity • Benefits you might not know you’re entitled to • Grants or exemptions you may be entitled to
Who can access the service?
The service is open to everyone. We are especially keen to ensure the following groups are able to access the service: • Lone parent families • Families which include a disabled adult or child • Larger families • Minority ethnic families • Families with a child under one year old • Families where the mother is under 25 years of age • Older people and those approaching pension age
How do I get advice from the Money Talk Team?
Call our freephone Monday to Friday, 8am - 6pm on 0800 085 7145 to speak to an experienced adviser over the phone. Alternatively contact your local CAB office directly or pop in. Visit https://www.cas.org.uk/bureaux to find you local Citizens Advice Bureau. Use the webchat box which appears on this site to the right-hand side whenever an adviser is available.
Can I speak to the Money Talk Team from home?
If you aren't able to get to your local bureau, the service is available over the phone by calling our free national helpline on 0800 085 7145. You can also use the web chat function which appears to the right hand side of the page when an adviser is available. Some bureaux are able to make home visits in exceptional circumstances. When you call, just explain your needs and our adviser will help find the best option for you.
Is it a confidential service?
The Money Talk Team service is confidential and impartial. In order to help you, you will need to provide as much information with your adviser as possible so they can explore all your options. This information isn't shared with anyone outside of the CAB network in Scotland without your permission. We use anonymised data to gather evidence and better understand how the service is performing, but this doesn't involve anyone knowing anything about you.
Can you help me if I don't speak English?
Yes! Each bureau will be able to support you to access their services. This may not be the same in each bureau, so contact them directly to find out how they can best support your needs.
Can I seek advice on behalf of someone else?
Gaining advice from the Money Talk Team should be sought by the person whom it relates to. If you are seeking advice on behalf of someone else, we will need to get their permission to talk to you. If you are arranging the appointment on behalf of someone who can't attend in person, it may be worth talking to the Money Talk Team over the phone or enquire whether your local bureau can organise a home visit.
How much money will I save?
It is impossible to say. This completely depends on your circumstances and whether you are already claiming any of the financial support you are entitled to. In the first year of the service our clients were £1,800 better off on average.
Will I need to have a credit check?
No – this service is not about checking your credit score, it’s about finding out if you are claiming everything you are entitled to, and if you can save money on things like energy bills.
How long does it take?
It usually takes about 30-45 minutes but this depends on the issues you want to discuss, so it’s hard to give a definitive time. The advisers can arrange to follow up at another time if you need to.
What do I need to know?
It would be useful if you knew what your household income was, including any benefits you are already receiving. You should also know what you are spending in terms of utilities (gas, electricity, mobile phones, broadband etc).
Can you help me claim for benefits/grant/entitlements?
Your adviser will help identify anything you may be entitled to and, where appropriate, help you to make a claim.
Will benefits be taken away from me?
Your adviser will assess which benefit(s) you’re entitled to based upon the information you provide. Your adviser cannot take any benefits away from you but will let you know if it appears that you are in receipt of something which does not correspond with the information you provide about your household circumstances.
What times are the lines open?
The phone line and web chat are available Monday to Friday from 8am to 6pm