Money and debt

The ongoing cost of living crisis has put many people in difficult financial situations. It's important to deal with issues before they mount up. Dalkeith CAB can help you get your finances back on track.

Getting advice on debt and money

We can provide information and help with a range of money concerns, including the following:

• Managing credit cards, mortgage payments or loans
• Getting out of debt
• Dealing with bankruptcy
• What to do if you're at risk of losing your home, or can't pay rent.
• Working out how to budget and stick to it
• Understanding your pension
• Guidance on tax including council tax

If you feel you don't require the help of an adviser, you may be able to address concerns related to debt using our Self-Help Pack. Please download the pack at the bottom of this page or click this link: Download the Self Help Pack.

Or, click the button below for further information or to arrange an appointment with a CAB Adviser in person, via email or by phone.

Get Advice

Appointment with a CAB Debt Adviser

If you make an appointment with a CAB Debt Adviser, it is helpful to have the following documents to hand when you speak with them.

• Your tenancy or mortgage agreement.
• Any Hire Purchase (HP) or Personal Contract Purchase (PCP) agreement(s).
• Your Council Tax bill for the current tax year.
• A draft statement of your Income and Expenditure (see pages 12-13 of the Debt Self Help Pack,) with as much detail of expenditure as possible.
• Recent wage slips, if applicable.
• The last 3 months of Universal Credit (UC) statements, if applicable, as a PDF file, print copy or log in details for your UC claim.
• The last 3 monthly bank statements for ALL accounts, even unused ones. If possible, in electronic PDF format for emailing.
• Your Experian credit report - obtain one free from this link.
• Any paperwork related to your debts (e.g. recent letters, statements, notices. etc.)