In too deep | Citizens Advice

Affected population Impact % Deadweight % Optimism bias correction 257,775 89% 50% 40% Total number of debt clients who say their issue is causing mental health problems, stress,

The OFT in 2006 estimated that loan fee scams cost the UK public £190 million a year and affected 110,000 adults.2 More recently the OFT announced that advance fee credit was one of

3 All staff should receive at least a basic level of training to help them understand 1 Money Advice Trust, ​Supporting small businesses with energy debt​, January 2018 2 Consumer

Figure 40: Topics covered in the EBDx advice appointments 27 13 12 10 7 2 2 1 1 0 5 10 15 20 25 30 Switching Benefits Energy Efficiency Warm Home Discount Debt advice

We often are contacted by friends and relations of clients who have had debt advice, asking us to help them as well.” Caroline Halfacre, Senior Money Adviser Our Money Advice

An example of service transition that worked in the past for some clients: Week 1-3 Care coordinator from service A existing, makes contact with clients once a week, as agreed Week 4

A large number of clients are re- ferred via our core service, however with peo- ple experiencing mental health problems be- ing three and a half times more likely to be in problem debt

Contents Foreword by Sir Graham Hart 1 Using the action guide 2 2 Background 4 3 Review what you do 6 Looking at your CAB policies and services 4 Making links 8 Consulting black