Money & Debt Advice


Aberdeen City Council list of Money Advice Services

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Aberdeen City Council Financial Inclusion Team

A free, impartial, confidential service to help the people of Aberdeen City with a focus on helping households to increase their disposable income, manage their debt, remain in their homes and improve their budgeting skills.

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Aberdeen Citizens Advice Bureau

Aberdeen Citizens Advice Bureau gives all clients free, confidential, impartial and independent advice on a wide range of subjects, including debt advice: how to manage your debts, improve your financial situation and maximize your income (the debt service is funded for people living in Aberdeen City only).

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Christians Against Poverty (CAP)

Christians Against Poverty (CAPuk). CAPuk is a debt counselling charity that offers local life skill sessions and money courses as well as debt help.

  • Calls are free from landlines and mobiles in the UK.
  • Monday to Thursday 9:30am to 5pm and Friday 9:30am to 3:30pm
  • Call on 0800 328 0006
  • Website
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SMART (money advice project)

Our SMART money advice project offers FREE, impartial and confidential money advice to tenants of Grampian Housing Association who are facing financial difficulties. 


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Scarf (Fuel Debts)

Over the phone, online or face-to-face we offer information about grants and funding, energy efficiency improvements for the home, fuel debt and billing, and much more.

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Aberdeenshire Money Advice and Welfare Rights Team

If you live in Aberdeenshire our Money Advice and Welfare Rights Team can provide free, impartial and confidential advice.


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Citizens Advice Bureau – Kincardine and Mearns

Citizens Advice Bureau – North West Aberdeenshire

Citizens Advice Bureau – South West Aberdeenshire

  • Bureau directory: 01224 747714
  • Outreach Banchory Office: 01330 825551
  • Contact us:
  • Address: Suite 2, 1st Floor Offices, Westhill Shopping Centre, Old Skene Road, Westhill AB32 6RL
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Money Advice Moray

Our Money Advice Moray team help Moray residents with money advice and welfare benefits. The team includes a combination of Money Advisers, Welfare Benefit Officers and Income Maximisation Officers. It is free, confidential and non-judgemental.

Money Advice – can help anyone who is struggling with debt – this can be credit cards, loans, Council Tax, rent, mortgage payments etc. Please click here for more information and how to contact us.

Welfare Benefits – can help you challenge a decision on your disability benefits if you think it’s wrong. Please click here for more information and how to contact us.

Income Maximisation – can complete a full benefit check to ensure you are receiving all the benefits you’re entitled to, help you to complete the benefit application form and also help with budgeting. Please click here for more information and how to contact us.

How to contact us

  • Call 0300 123 4563 and ask for Income Maximisation.
  • If you’re a support service and want to make a referral please complete the attached referral form and return it to the email address on the form.
  • Referral Form (PDF) or Referral Form (Word)
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National money advice service

Advice Direct Scotland

To access money and debt advice from Advice Direct Scotland, contact their freephone helpline on 0808 800 9060, Monday to Friday from 9am to 5pm. You can also contact them by email or you can chat online 

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StepChange is a national debt charity providing free debt advice and access to formal debt solutions. You can visit their website to find out more about them, or give them a call on 0800 138 1111, weekdays from 8am to 8pm and Saturday from 8am to 4pm. When contacting them, please tell them you’re based in Scotland so they can connect you to their Scottish team as debt solutions options in Scotland are different from the rest of the UK. 

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Debt options

Debt Arrangement Scheme

DAS is a statutory debt management plan and it is important to note that it is not insolvency. Someone in a DAS will repay their debts over an extended period of time. Through DAS, all interest, fees, and charges are frozen and you are protected from creditors taking any legal action over your debt. Your money adviser will be able to determine if DAS is the right option for you.

Guide to the Debt Arrangement Scheme (DAS) and how to apply.

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Bankruptcy in Scotland is known as sequestration. This is a form of insolvency which is generally only used as a last resort when someone is unable to pay their debts. A person can enter into sequestration voluntarily or because a creditor has initiated the process. A creditor(s) has to be owed a least £3,000 before they can sequestrate someone.

Guide to bankruptcy and how to apply

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Minimal asset process (MAP) bankruptcy

A MAP bankruptcy is a type of bankruptcy designed for people with low income and little to no assets. To qualify for a MAP, you must not own property and have either been receiving benefits for six months, or have no disposable income. You can only apply for a MAP through an approved money adviser and you can’t have debts of more than £17,000.

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Protected Trust Deed

In a Protected Trust Deed you normally make reduced payments over four years, after which any remaining debt is usually written off. A trust deed can become protected if the majority of creditors agree to its terms. This means that creditors can’t take action to recover the money you owe or to make you bankrupt. Your assets and financial affairs will be looked after by a trustee for the duration of the protected trust deed.

Guide to trust deeds and how to apply

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Voluntary agreement direct with creditors

This is where you set up an informal repayment schedule with your creditors. It means that you’re in control of your finances but it does also mean that you have to negotiate with all your creditors and if you aren’t able to keep to your repayment plan there is nothing to stop them taking action to recover the money you owe them.

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Offer in full or final settlement

If you have a lump sum that would cover part of your debts, you could ask your creditors whether they would accept a part payment and allow you to write the rest off.

Or they might allow you to make monthly payments for an agreed period, after which the balance is written off.

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In exceptional circumstances where you have no available income, savings or assets, it might be possible to ask your creditors to write off your debts. However, you must be able to show your creditors that your circumstances are unlikely to improve in future – for example, if you’re severely ill.

To find out if this solution could be suitable for you, talk to a free debt advice service

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Money Guiders Programme

Money and Pensions Service free programme

If you ever have money conversations with your customers, our free programme will help you to help others.

When people reach out for help, money guidance is often given alongside wider support. This self-development programme helps organisations or individuals to confidently talk about money with their customers and give safe, effective guidance. It’s government backed, proven to work and UK wide. There are lots of ways to get involved.

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