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Specialist Advice

Help with Debt

We have a team of six 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 £100 and car if there is one under £1000.)

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 . . .