You can get advice from:
Citizens Advice Bureaux (CABx) provide free, confidential and independent advice. You can contact them by phone, by going to your local office; or by emailing them for advice. They also have telephone advice line. Contact information is in Appendix A. Citizens Advice Scotland will also give you contact information - Tel: 0845 4500 351. You can also find local contact information on their website: www.cas.org.uk
Money Advice - The Highland Council
The Council’s Money Advice Team offers a free, confidential and non-judgemental advice and assistance service for those worried about their financial situation. Contact them on 0800 090 1004 or by e-mail on firstname.lastname@example.org – you don’t have to give your name to get advice. You can also write to them at
The Highland Council
P O Box 5650
If you are in debt, they can tell you what creditors can and can’t do; what options you have to deal with your debts and put things in perspective for you. They can also get in touch with your creditors and negotiate on your behalf, taking the stress out of dealing with your bills. They deal with all types of debts – including rent and council tax arrears - no matter what stage they are at.
National Debtline provides a free, confidential and independent phone service. Tel: 0141 572 0237 or access http://www.nationaldebtline.co.uk/scotland/
Consumer Credit Counselling Service (CCCS) - offers a structured programme on how to manage your money and can offer a structured repayment plan to creditors. Tel: 0800 138 1111 (freephone)
Shelter Housing Aid Centres
Shelter provides advice on all housing issues and can give this over the phone, face to face or by email. The 3 centres are: Dundee 01382 225544; Edinburgh 0131 466 8031; Glasgow 0141 221 8995.
Legal Services Agency - One of Scotland's largest law centres with expertise in dealing with housing problems. Tel: 0141 353 3354 or access http://www.lsa.org.uk
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