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Naturally, money is the most important factor that governs our day to day lives. It is also an indicator of your wealth and living conditions. Sometimes, it can be borrowed from or lent to people depending on various circumstances. However, one may fall into debt or face other monetary issues. In such cases, you may need to consult expert financial advisors to help you in managing your money efficiently. Thus, you can get help by consulting our money advice services.
What is the Money Advice Service
A Money Advice Service can be availed from any government, non-government or private institution. For the most part, you can get expert financial help for free. Thus, you do not have to pay for availing our services.
We are dedicated to helping people to effectively manage their finances and even get them out of debts. Such financial advice is completely impartial and free. We understand your financial conditions and will not pass any judgment to your current situation.
What Does the Money Advice Service Do?
As stated before, we provide expert guidance in terms of money and budget. Thus, you can receive the following services from us.
- Debt borrowing and Debt Management
- Mortgage Help and Guidance
- Managing Budget and Savings
- Advice on Investments
- Work and Salary related Help
- Retirement and Pension Advice
- Providing help in Procuring Insurance of various types
How Does Money Advice Service Works?
Money Advice Services are always available for free. You can get advice either on the phone, the internet or by visiting our office in person. To begin with, we will ask for your current financial condition and the problems that you are facing.
After that, we will assess your financial situation and give you free advice accordingly. In case you’re in debt, we will recommend some debt relief options and management plans. We can even provide personalized services based on your needs. You can avail any of the services mentioned above.
Example
LET’S SAY YOU OWE
- Bank loans £4000
- Payday loans £2500
- Catalogues £2000
- Phone bills £500
- Credit cards £5000
- Store cards £15000
- Overdraft £1750
- Debt collectors £3500
- Total £20,750
Your Current
Monthly Payment
£685
Per Month
Your Current
Monthly Payment
£125
Per Month

64%
Of Debt Written Off
Per Month
Money Advice Service Pros and Cons
Here are some pros and cons that should help you to make your final decision to avail our services.
Pros
- Completely Free – In most cases, our Money Advice Services are free. Thus, you do not have to pay any fees to seek our help or advice.
- Professional Qualified Advice – Moreover, all our advice is professional in nature. The personnel engaged with us are extremely qualified and updated with the latest news and amendments.
- Manage your Finances and Money – You can avail a range of money advice services from us. These include managing your finance effectively and helping you in making timely payments to Creditors.
- Acts as a Middleman – Based on your case, we can act as your intermediary if the need arises. Thus, we will act on your behalf and represent you in your cases.
- Secure Lower Interest Fees or Monthly Payments – An important advantage of our services is that you can enjoy lower interest rates or no late fees. Your monthly debt can also be reduced to a certain extent.
- Help to Pay Debts Effectively – We will also help you to pay your monthly dues in an efficient way. This is done by carefully analyzing your current financial condition and providing advice accordingly.
Cons
- Reflected in Credit File – Some of the money advice services can end up reflecting in your credit file. Filing for bankruptcy and a Debt relief order are some examples.
- Restrictions Imposed on Certain things – Once you avail our service, you have to restrict expenses on certain things. Thus, your debts will be prioritized and handled effectively.
- Continuous Payments – Although the debt may be reduced, you still have to make monthly payments. Failure to do so may result in more severe options like bankruptcy.
- Not all Plans are Approved – Moreover, not all advice can be followed through. Some of these options may be rejected by the Creditors or other parties. Thus, it is not always guaranteed.
Legal Advice When Someone Owes you Money
Apart from problems related to debt and finances, you can also get advice regarding money lending. Thus, you can contact our Money Advice Services if you cannot recover the money you have lent to someone.
For the most part, we can act as middlemen and will try to recover the money for you. Other times, you can easily hire a solicitor or a Debt Recovery Agency. In extreme cases, you can take the matter to court as well.
However, there are certain factors you need to consider before filing a case.
- The amount owed should be more than £5000
- You must try other methods like negotiation and settlement beforehand
- The debtor should not be bankrupt or unemployed
- Can incur further losses if the other party wins
- Can take months for the case to reach the court

Debt Problems?
Money Advice Services are the UK leading non-judgemental debt help experts that offers Money Advice Services assistance and advice
Take the first step to address your debt problems and seek debt help services now. Call on our Money Advice Services Help Line number 0800 046 5868
Find out whether an IVA debt settlement may be the right debt solution for you.
Get Debt Help services NowMoney Advice Service for Pension Receiver
A refurbished rule introduced in April 2015 allowed residents of the UK to use their pension money in any way possible. This would be completely tax-free with no limitations. Therefore, it gave rise to many potential opportunities.
Our Money advice services can help you to effectively utilize this pension money. You can get various ideas regarding investments and regular income plans. Moreover, you can get personalized advice in accordance with your preferences and financial situation.
Money Advice Service for Mortgages
You can get expert help regarding various mortgages. We can help you decide which plans are best suited for you. In case you’re running into debt, we can help you get out of it as well. Moreover, these services are free and anyone can contact us without hesitation.
Free Debt Advice
Our Money Advice Services is always free with no obligation. Talk to us today about whether an IVA may be the right debt solution for you.
Get Debt Help services NowFree Debt Advice
Our Money Advice Services services is always free with no obligation. Talk to us today about whether an IVA may be the right debt solution for you.
Get Debt Help services NowMoney Advice Service when you Inherit Money
A lesser-known fact regarding inheritance is that it is taxable. However, there is a threshold below which you do not have to pay taxes. Currently, this threshold is £325,000 according to the Nil Rate Band (NRB). Anything of value above this limit is chargeable at 40%. However, it is charged only on the extra amount after the threshold.
Money Advice Services can help you to avoid this tax in useful ways. We will also help you to understand how you can pay the tax without hurting your financial condition.
What Can Money Advice Service do to help with Debt?
In the case of debts, money advice services can help you in various ways. Although some ways may be chargeable, many others are not. Some of the free methods include revising your budget and cutting down expenses.
Accordingly, we can provide the following solutions based on your financial condition.
- Debt Management Plan
- Individual Voluntary Arrangement
- Bankruptcy Advice
- Equity Release
- Debt Arrangement Scheme
- Debt Relief Order
- Minimal Asset Process
- Protected Trust Deed
How Do You Pay Off Debt Using Money Advice Services?
Money Advice services can provide professional services to help pay off your debt. We will teach you to prioritize your debts according to their importance. Thereafter, we will assess your current financial condition and provide advice regarding expenses and savings. Moreover, we can even represent you to cut down your monthly debt payments. We will directly contact your creditors or lenders to help you out.
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Business Debts
or Tax DebtsDebt help services for tax debt run up through self-employment or a small business.
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Housing Debt
Debt help services, if you owe rent, mortgage payments or council tax.
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Consumer Credit
Debt help services, for the most common form of debt.
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Joint Debt
Debt help services, if you share your debts with another individual.
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Contract Debt
Debt help services, if you owe money as a result of a legal contract.
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Loan Shark Debt
Debt help services, if you owe money to illegal lenders.
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Court Fines and Debts
Debt help services, where money is owed as a result of court fines.
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Student Loan Debt
Debt help services, for the huge financial burden of student loan debt.
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Debt Owed To Private Individuals
Debt help services, if you owe money to friends and family.
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Credit Cards Credit Debt Help
Credit debt help services, when you owe money on one or more credit cards
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Bailiffs Debt Help And Advice
Debt advice when you’re threatened with a visit from bailiffs
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Bank Loans Debt Help
Bank Loans Money Advice Services assistance for a personal loan that you’re failing to maintain
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Car Finance Debt
What happens next when you’re struggling with keeping your car payments ticking over
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Catalogue Debts
Debt help assistance when your catalogue balance is threatening to overwhelm you
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Council Tax Arrears
Urgent debt advice when you’ve missed one or more council tax repayment
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Doorstep Loan Debt
Debt advice and assistance when you’ve borrowed from doorstep lenders
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Friends and Family Debts
Debt help and assistance when you owe money to friends and family
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Guarantor Loans Debt
Debt advice and assistance when your guarantor loan has or is soon set to run into payment problems
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Hire Purchase Debt
Debt advise and assistance for money owed on vehicles or household items
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HMRC Debts
Debt help and assistance when you owe NI or taxes to the taxman
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Insurance Debts
Critical debt advice and assistance when you’ve missed your insurance repayments
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Logbook Loan Debt
Debt advice and assistance when your car is at risk due to a logbook loan
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Overdrafts Debt
Debt advice and assistance when you’re feeling the strain of a maxed-out overdraft
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Payday Loan Debt
Debt advice and assistance when you’re burdened with a payday loan or loans that have been rolled over
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Debt Management
Plan (DMP)A Debt Management Plan is a Money Advice Services assistance solution with a repayment schedule that fits in with your income and expenditure.
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Debt relief order
(DRO)A Debt Relief Order (DRO) is a type of insolvency. A DRO had a duration of 12 months after approval.
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Bankruptcy
Bankruptcy should be considered as a final Money Advice Services assistance service once all other avenues are exhausted.
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Debt consolidation
Consolidating debts usually involves taking out new lines of credit to combine and repay your existing debt, using a personal loan or credit card.
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Individual Voluntary Arrangement(IVA)
An IVA allows you to repay your debts over a period of time, after which any remaining amounts owed will be written off.
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Minimal Assets Process (MAP)
MAP is a form of unsecured bad debt help service available to debtors in Scotland who have a low income.
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Debt arrangement
schemeDebt Arrangement Scheme (DAS) is a Money Advice Services assistance service managed by the Scottish Government.
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Trust deed
A Trust Deed is a legally binding debt help service in Scotland, to make reduced payments across your debts for a set period.
How can Money Advice Service help you with New Debt Relief Orders
A Debt Relief Order or DRO is an agreement where all your debts are frozen for a year. Within this time period, you can try to pay it off. In case you are unable to do so, the debts will be written off.
Money Advice services can instruct how you can apply for a DRO. We will also teach you how to apply for it. For the most part, DRO has a certain eligibility criteria. However, our money advice services can easily look these up for you and carry out the necessary actions.