If you are in debt, a Debt Relief Order (DRO) may be a way out for you – but it is best to consider all the options before taking this route, such as a debt management plan, individual voluntary arrangement (IVA) or an Administration Order.  See our article: Check your options for getting out of […]

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The experts continually tell us we are not saving enough for our future retirement. According to a recent article in The Express on research carried out by Expert Pensions Claim, nearly half of those asked said one of their biggest pension concerns was that they wouldn’t have enough money to last them through retirement.  We […]

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Clients often come to Citizens Advice when their benefit claim is turned down or has been changed.  Often this is for disability benefits such as PIP, DLA or Employment and Support Allowance (ESA), but it could be for another benefit such as Job Seekers Allowance, Attendance Allowance, Carers Allowance, Universal Credit and many more – […]

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When planning for retirement, you need to know how much you can expect to receive from any workplace pensions and personal pensions as well as how much your state pension will be. People will often have worked for several different employers during their working life, so may well have “lost” the details of a pension […]

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A couple of weeks ago, we looked at what Universal Credit is, how it works, when you might need to claim and when you would get paid. You can read our article here. This week we focus on: Universal Credit for the self-employed If you receive Universal Credit and you are self-employed, you’ll need to […]

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One of our clients came to us because they no longer had contact with their grandchildren.  Their son and his partner had split up and his ex-partner is now not allowing the children to have contact with them.  Do grandparents have rights when they have been denied access to their grandchildren? The sad truth is […]

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Often when booking a holiday you are asked if you need holiday or travel/health insurance.  As this is an additional expense, you may decide that you don’t need it or can’t afford it.  But if things go wrong you could be seriously out of pocket if you have no insurance.  It is particularly important if […]

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