hi

southernscouser wrote: »

Thats a very kind offer. :beer:

I'm just wondering if you offer the same services as say the CCCS, ie DMP's or whether you advise clients to go to someone like that? :think:

Clients that come to see us with debt (majority of our workload) we help them fill out an expenditure sheet and find out what the client has left and will negotiate with the creditors to freeze the interest and to accept a payment what the client can reasonabily afford.

We also advice on bankruptsy and IVA's . I am training to be a general adviser and my role would be to help the client with the expenditure sheets, but we do try and advise clients to go down the self help routes if they are happy to do it, because the specialist debt workers are really busy. If the cient wants the cab to negotiate with creditors then we pass their case on to the debt advisers. I am not sure whether the debt workers refer clients to other agencies, will have to find that one out.

Southernscouser I asked at the cab whether debt case workers refer debts on to other agencies, and they don't. The cab gets funding to deal with the debts themselves.

SSB wrote: »

Hi
I am a CAB advisor too, we do refer clients to other debt agencies if the specialist worker's appointment list is full. If the debt advisor is not able to take on any more clients, general advisor can negotiate payment plans etc. However, his can be very time consuming ( as you know) therefore it is sometimes better to refer clients to CCCS and other agencies as it can be a quicker route to manage the problem.

It must depend on the area then, which is in interesting