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Specialist Advice

Help with Debt

We have a team of five debt specialists working, as local delivery partners for the Money Advice Service, across Cornwall and the Isles of Scilly.money_advice_service logo

We provide face-to -face appointments at Saltash, Liskeard, Bodmin, St Austell, Newquay, Falmouth, Camborne and Penzance; or information and advice by ‘phone if this is more convenient to you.

We can advise you on the standard strategies for debt in a confidential, independent and impartial way: payment plans, full & final settlement, bankruptcy, Debt Relief Orders and Individual Voluntary Agreements. Although our service is free some strategies do have costs attached.

As trained Intermediaries for Debt Relief Orders, if this option is chosen, we can prepare and submit the application without any further referral. (The standard criteria for Debt Relief Orders apply – not a homeowner, debts under £20k, surplus income under £50 per month, assets under £1,000 and vehicle, if there is one, under £1000.)

  • Text ADVICE DEBT to 78866. We’ll call you back within 48 hours (excluding weekends).
  • Call the Debt Team on 01752-850 488 between 9.30-11.30am on Mondays and Fridays only. If we are busy and you are unable to speak to an adviser, please leave a message and we will call you back within three working days.

We also offer an online self help debt management resource, which you can access by clicking this link


If you have a private defined contribution pension (ie not linked to salary or years of service) you now have freedom to decide what to do with your pension pot. If you are approaching retirement or over 50, and thinking about accessing your pension pot in the next six months Pension Wise is here to help

Pension Wise is the new government service that will help you go through your options so that you can be informed and confident that decisions can be made that are best for you.

Citizens Advice Cornwall is the local partner for the delivery of Pension Wise in Cornwall and North DevonPension_wise_Strap_HMG_RGB

To book a face to face interview with one of our trained guidance specialists phone 0800 138 8292

For further information and guidance visit the website www.pensionwise.gov.uk


If you want information about the State Pension or career average or final salary pensions you can speak to The Pensions Advisory Service 0300 123 1047 and www.pensionsadvisoryservice.org.uk

Cancer patients, their families and carers

Do you have, or know someone with a cancer diagnosis?

Our Citizens Advice Cornwall / Macmillan Project gives welfare benefits advice to anyone who has, or has had, a cancer diagnosis. We also advise your family members and carers if you have a current diagnosis. We can help with grants, benefit applications and appeals. M_mid_RGB

We are based at The Cove, Royal Cornwall Hospital. We give advice by phone or by arranging a suitable appointment and we have drop in sessions for initial advice for new clients.

Please contact us on 01872 256373 for further information and current drop in sessions times or contact us by email – macmillan@citizensadvicecornwall.org.ukMacmillan feedback

Further information about the project is available here Citizens Advice and Macmillan info


Some of the great feedback for the work of the project is captured here and can be read in more detail here . . . 

Our Help to Claim service can support you in the early stages of your Universal Credit claim, from the application, through to your first payment.

Help to Claim is a dedicated service from Citizens Advice. It’s free, independent, confidential and impartial. Our trained advisers can help with things like how to gather evidence for your application or how to prepare for your first Jobcentre appointment.

You can contact an adviser through our free national Help to Claim phone service on 0800 144 8 444. Advisers are available 8am to 8pm, Monday to Friday and Saturdays and Sundays from 10am to 4pm.

You can also contact us via webchat. Chat lets you talk to a trained adviser online about your Universal Credit application process. Chat is usually available 8am to 6pm, Monday to Friday. It’s not available on public holidays. If no advisers are available, the chat box won’t appear.

To connect you to the right adviser, we’ll ask you for a few details, including your postcode. Read our privacy policy to find out how we store and use your personal information. Some ‘ad blocker’ software can stop chat working. If you use an ad blocker, make sure to add ‘citizensadvice.org.uk’ as a trusted site.

Check you have everything you need to apply for Universal Credit:

Before you apply for Universal Credit, you’ll need to gather some information together. This will help make sure you only have to do the application once, and help you to get Universal Credit as quickly as possible if you’re eligible.

Don’t start your application until you have all of the following details for you and your partner with you:

· Your postcode

· Details of your bank, building society or credit union account (if you don’t have a bank account, you’ll need to open one or use simple payment (https://www.gov.uk/simple-payment)

· The type of accommodation you have eg. private rent, council tenant, or housing association tenant – make sure you check this before you apply

· How much rent you pay – this can be found on your rent agreement, ask your landlord for a copy if you don’t have one

· Your landlord’s address – this can be found on your rent agreement, ask your landlord for a copy if you don’t have one

· Your landlord’s phone number

· Details of any savings you have and any other ‘capital’ investments e.g. shares or property that you don’t live in

· Details of any income that’s not from work eg. from a pension or insurance plan

· Details of how much you earn from work eg. recent payslips

· How much you pay for childcare (if you want to claim for childcare costs)

· Details of any other benefits you’re getting ie: what benefit and how much you get

· Child benefit reference numbers for any children you have if you get child benefit – this can be found on letters to you about child benefit – it will start with ‘CHB’ and is made up of 8 numbers and 2 letters e.g. CHB12345678 AB – phone the Child Benefit Office on 0300 200 3100 (textphone 0300 200 3103) if you need help

You’ll need evidence for all these details for when you go to your interview, so you’ll need to gather all the documents together.


Family Court Domestic Abuse Support Service

Our service offers practical information about the court
process and emotional support to help victims feel more
confident about attending family court hearings.

It’s free, independent, confidential and impartial.

Who we can help

Any applicant or respondent attending a family court who
identifies as a victim of domestic abuse. We’ll give priority to:
● Litigants in person (representing themselves)
● Private family law cases (involving child disputes and
protective orders)

Advance referral to the service


Partner number: 0300 330 1161
Applicant / respondent number: 0300 332 1000
If the hearing is within 3 days, contact should be made by
phone rather than the online form.


Wise-Up is a new programme developed to provide young people with money skills whilst explaining the difference between being financially capable and financially literate.

The project will demonstrate the positive impact of becoming financially capable in a proactive attempt to up-skill our youth, enabling them to keep track of their money, to save, be able to make informed choices about money and allow them to avoid financial difficulty in their futures.

Initially the following areas will be explored, so each young person will:

. Know what it means to be financially literate versus financially capable

· Be able to assess how financial capable they are

· Be able to identify their money attitudes and beliefs

· Understand where their money comes from and where it goes

· Create short term, medium term and long term money goals

· Understand the positive and negative impacts being unemployed, employed, in education or training may have on achieving your money goals

· Understand where they can get addition help and sign post when needed.

· Identify in what areas they may need some further FINCAP (Financial Capability) training or coaching in areas such as but not limited to: budgeting, saving, credit and borrowing, every day money, planning for a change, make money work, understanding income, how much do I need to earn and increasing my income etc.

The project is aimed at young people aged between 18- 24 years (though there is room for flexibility if is beneficial for the client); either active (seeking work), inactive (not seeking work) with or without vulnerability or NEETS; living in Atlantic, Moor and South East Cornwall (Newquay – St Austell up to the Devon border); must be able to produce ID.

We can work with clients in many ways – in person on a 1:1 basis, run group sessions, over the phone, online, via email or a combination of all. The programme is completely tailored to each individual to ensure that they get the support needed. There is no minimum or maximum engagement requirements. The first session will be an assessment and goal setting session which could take up to a couple of hours depending on the client.

The funding aim is to get our clients into employment, training or education.

If you feel you would like more information about the project, working together or to exchanging referrals please contact:

The referral processes to £WISE-UP are as follows;

Self-referrals:-   Email; wiseup@citizensadvicecornwall.org.uk

Text:  78866 with the words: ADVICE WISEUP

3rd Party organization referrals: – please use our partner organisation referral form.

E: claire.jones@citizensadvicecornwall.org.uk

M: 07928812682

Domestic Abuse Advice Project

The aim of the Domestic Abuse Project is to provide information and advice
specifically to those who have been affected by, or are experiencing any form of
domestic abuse, either now or in their past.
Some of our other main enquiry areas are welfare benefits, debt, housing and
However, we can help with any issue, and it does not have to be related to domestic
Individuals can self-refer online via this link:
or by using our Text Service:
Text the word “ADVICE DA” to 78866 (note space between ADVICE and DA).
Potential Clients who contact Citizens Advice Cornwall, should include information
about the best day/time to contact them, so that we can do so safely.
Referrals can be made by authorised third party organisations, provided that they
have the relevant consent and permissions in place to enable Citizens Advice to
contact the client safely.
If you need to register as a Third Party Referral Organisation, please email