Adviser Support Directory for money advisers in England and Wales

19 

Loading....

Loading....

Loading....

Loading....

Loading....

Full text

(1)

Adviser Support Directory 1

Adviser

Support

Directory

for money advisers

in England and Wales

1st edition, published in 2010

Produced by wiseradviser,

part of the Money Advice Trust

information

training

community

services

(2)

To provide effective advice money advisers need

knowledge on a wide range of options and information as well as channels for help and further support.

The Money Advice Trust (MAT) is a charity formed in 1991 to increase the quality and availability of free, independent money advice in the UK. The Trust works in partnership to design and deliver these adviser support services.

Our wiseradviser training, forums and online resources are one way for advisers to gain the knowledge and support they need. Our partner organisations also offer support for advisers through publications, conferences, training, websites and much more.

These services complement the support and updates available within advisers’ own organisations via experienced colleagues, in-house training and information systems.

Money advice is constantly developing and changing and our sector really thrives on the sharing of knowledge and experience.

There are so many different types of support on offer and we recognise how important it is to find the right networks, training and support for you.

We decided to produce this directory to help money advisers browse, locate and access the right support. We have brought together information from across the free-to-client money advice sector to provide you with a comprehensive guide to adviser support. We hope you find it useful and informative.

This directory covers support for money advisers in England and Wales. MAT also works with partners in Scotland and Northern Ireland to provide support for money advisers in these regions. For further information visit

www.wiseradviser.org and

www.moneyadvicetrust.org

Introducing the

3

Adviser Support Directory

Partnership working

4

The website

7

Information

8

Electronic resources,

publications, newsletters

and books

Training

12

Face-to-face courses,

e-learning courses,

distance learning materials

and qualifications

Community

26

Consultancy, conferences,

local groups and forums

Services

30

Advice tools, services

and further resources

Thank you

34

Introducing the Adviser Support Directory

Contents

In order to provide our clients with the best possible advice, our sector

is proud to be free, independent, confidential and impartial.

(3)

4 Adviser Support Directoy

How and why do we work in partnership?

MAT works with its partners by agreeing strategy and by sharing resources and ideas to achieve a common goal. The aim of the partnership is to support advisers in providing high quality money advice. Working together helps us to ensure the work of each organisation does not overlap but is complementary and makes best use of often limited resources.

Wiseradviser was established to build and maintain strong lines of communication between all partner organisations to promote consistency and high quality in money advice training.

The Adviser Support Steering Group (ASSG), previously known as the Training Steering Group, is key to agreeing a joined up strategy across the UK. The group was renamed in early 2010, to better reflect the group’s purpose and aims. The ASSG meets on a quarterly basis to shape all aspects of adviser support, including money advice training, and is attended by representatives of all MAT’s partner organisations.

Our partners in England and Wales

AdviceUK

The voice of independent advice

www.adviceuk.org.uk

AdviceUK is the UK’s largest support network for free, independent advice centres. Organisations who are members of AdviceUK can access a range of benefits including joining AdviceUK’s Group Debt Licence in debt counselling from the OFT. This directory focuses on the support they offer money advisers such as the Money Advice Update newsletter and social policy consultancy.

Citizens Advice

The charity for your community

www.citizensadvice.org.uk

The Citizens Advice service provides free, independent, confidential and impartial advice to everyone on their rights and responsibilities. Support they provide for money advisers includes the money advice newsletter Arian and the Specialist Support consultancy service for Citizens Advice Bureaux, AdviceUK agencies, IMA members, CCCS and LSC agencies.

Consumer Credit Counselling Service (CCCS)

The charity that helps you manage your debts and understand money

www.cccs.co.uk

CCCS are a money advice and debt management charity providing free, confidential advice and support.

They also provide training courses in money advice and have developed an ICM Diploma in Money and Debt Advice.

Institute of Money Advisers (IMA)

Assuring Quality in the Money Advice Profession

www.i-m-a.org.uk

The IMA is the only professional body acting solely for money advisers in England, Wales and Northern Ireland. It has over 1400 members drawn from right across the free-to-client money advice sector. The support they provide includes Quarterly Account magazine,

face-to-face training courses and their new qualification Certificate in Money Advice Practice.

Partnership working

(4)

Financial Inclusion Fund (FIF)

As part of the FIF project the Department for Business, Innovation and Skills (BIS) provide funding to increase free face-to-face debt advice in England and Wales. We receive part of this funding to provide two streams of training for FIF money advisers.

New FIF advisers should complete all wiseradviser generalist and caseworker level courses. We have created a learning pathway which includes all these courses.

For FIF advisers we also provide additional training events through the year to ensure knowledge is kept up-to-date, enabling them to provide the depth and range of advice their clients need.

To access the training and support available, FIF advisers should register on www.wiseradviser.org

If you have any queries about the FIF programme please contact the wiseradviser team at

fif@moneyadvicetrust.org

In addition to the information in this brochure please visit the wiseradviser website to find out more about adviser support. www.wiseradviser.org

Who can use the wiseradviser website?

This website is for all money advisers working within MAT’s partner organisations.

How do I register to access the wiseradviser

website?

To access wiseradviser you will need to register online at

www.wiseradviser.org

Once your registration has been approved you can make full use of the all support available.

How can I get help using the wiseradviser

website?

There are guides on how to use the website in the Website

Help tab or you can contact us using the contact details in

the Contact Us tab.

In this directory read more about support available on

www.wiseradviser.org

Resources, Learning

and Adviser Community.

(5)

inf

ormation

8 Adviser Support Directory

Electronic resources

AdviserNet

AdviserNet, created by Citizens Advice, can be purchased by other organisations. The AdviserNet CD is a valuable resource for all advisers and covers employment, benefits, housing, debt and is updated every month. Advisers who subscribe to AdviserNet receive an easy to install CD every month which is used daily by 17,000 CAB advisers and hundreds of libraries, solicitors, trade unions, charities, colleges and community organisations. For more information go to their website

www.citizensadvice.org.uk/advisernet

Information for clients

To meet the demand for money advice in recent years there has been a growth in free self-help resources for clients. Read online information and download or order printed fact sheets and information packs on the following websites:

www.cccs.co.uk/InfoCentre.aspx www.nationaldebtline.co.uk www.adviceguide.org.uk

Wiseradviser resources

The resources section of the

wiseradviser website contains a range of useful articles, documents and links. As well as money advice subjects such as Debt Relief Orders, Consumer

Credit Act and Mortgage Arrears, topics also include England & Wales Venue Maps & Directions (all venues used for wiseradviser courses in England & Wales), and Pre-Course Work Resources (for wiseradviser courses). Additionally, links to other websites are located here, within the Resources tab. You can also find an electronic version of this directory.

Log on to www.wiseradviser.org and click on the Resources tab to see a list of topics. For help on searching for a specific resource go to the

Website Help tab.

Publications and newsletters

AdviceUK Money Advice Update

The AdviceUK Money Advice Update is a regular email bulletin that contains information about the latest developments in policy, legislation, case law, training and funding in the area of money advice.

If you would like to be added to the mailing please contact AdviceUK’s National Money Advice Co-ordinator, David Hawkes on 020 7469 5700 or email

david.hawkes@adviceuk.org.uk with ‘Money Advice Update’ in the subject heading.

Adviser magazine

As with AdviserNet, Adviser magazine is created by Citizens Advice but is available to the entire advice sector. Adviser magazine

offers in-depth reporting of all the key advice areas. In every

issue leading experts and practitioners provide authoritative articles and analysis of current issues. Subscribers receive six issues of Adviser each year, a free benefits wall chart in April, abstracts and features indexes. For more information go to

www.citizensadvice.org.uk/adviser_ magazine

Electronic resources, publications, newsletters and books

There is a variety of

resources money advisers

can tap into to expand

their knowledge and keep

up-to-date with the latest

developments in the sector.

Information is available

on tools and techniques

in money advice, court

procedures, case law

updates, and much more.

Read on to find out about

information available to

money advisers.

(6)

Arian

Arian is a free bi-monthly money advice newsletter produced by Citizens Advice Specialist Support. It is for money advisers from Money Advice Trust partner agencies in England and Wales. It provides information and practical support to money advisers through short news items, references and links to other publications. It also has regular items, including a Case Law Update, details of Money Advice Groups, Dear Marian, what’s coming up in Adviser and Quarterly Account and Success Stories. It also includes a regular item News from AdviceUK.

To subscribe to Arian email arian@

citizensadvice.org.uk or write to Citizens Advice Specialist Support (Money Advice), Quebec House, Castlebridge, 5-19 Cowbridge Road East, Cardiff CF11 9AB.

Quarterly Account

The Journal of the Institute of Money Advisers (IMA), Quarterly Account, is a valuable resource for anyone in money advice. It is free for members of IMA. Regular features include: News Review, the Front Line Interview, Q & A with Citizens Advice Specialist Support Money Advice Team, Quarterly Quarrel, Benefit Changes, Letters, ABC of Money Advice and Legal Round-up.

For more information go to their website

www.i-m-a.org.uk/ima-quarterly-account

Members resources

If you are a volunteer, employee or member of one of MAT’s partner organisations you may be eligible to access internal resources such as intranets and newsletters. Speak to your manager to see if you have access to:

Citizens Advice:

CABlink CABmoney

Money Advice Resource Kit (MARK)

Institute of Money Advice:

IMA News

information

Electronic resources, publications, newsletters and books

Books

Debt Advice Handbook

The Debt Advice Handbook is published by Child Poverty Action Group (CPAG). It contains all the essential information needed by advisers dealing with debt problems, and explains the key stages and issues in money advice.

The handbook is revised and updated bi-annually by experts including members of the Citizens Advice Specialist Support team. CPAG are also developing an online version which be available in 2010/11.

(7)

12 Adviser Support Directoy Adviser Support Directory 13

tr

aining

12 Adviser Support Directory

Training levels

The money advice training provided by wiseradviser and our partners is structured at three skill levels. These levels are based on Money Advice Standards agreed across the sector which can be found on the wiseradviser website.

Generalist level training is designed to give new advisers

an understanding of the basic principles of money advice.

Caseworker level training is aimed at developing the

skills and knowledge of ‘generalist’ money advisers. It will assist money advisers to deal with the majority of debt problems that they may encounter.

Specialist level training is provided to help advisers deal

with more complex cases.

We strongly recommend new money advisers complete Generalist level training before moving on to Caseworker level training.

Some courses also ask that advisers have completed Generalist level training and have had the opportunity to put the training into practice and the new learning into context.

It is important that you check the skill level, full course details and entry requirements to ensure the course is at the correct level for you.

Wiseradviser training is free!

Wiseradviser training, accessed through the wiseradviser website, is free for volunteers, employees and members of our partner organisations. Course materials are updated

bi-annually to reflect changes in legislation and bring you relevant training of an excellent standard. Money advisers can benefit from a full blend of wiseradviser learning tools to suit individual learning styles and needs.

Whether you are new to the money advice sector or an experienced adviser, you can build upon your money advice knowledge in the following ways:

Our Classroom learning / face-to-face training:

Provides expert teaching from

leading tutors in their field with excellent printed course notes and supporting materials

Brings together people from

different advice settings, sharing experiences to add to learning Consists of one or two day courses

in a variety of locations

In addition, many courses carry

points for the Solicitors Regulation Authority Continuing Professional Development (CPD).

Our guided learning through e-learning and distance learning:

Covers essential money advice

topics broken into modules which can be completed at your own pace over a number of weeks

Includes interactive e-learning

courses to be completed online and distance learning courses that can be printed off and completed at your own pace Enables you to track your progress

online and test your understanding of the subject as you go

Gives you 24-hour access to training

materials, with the option of attending face-to-face practitioner workshops to consolidate learning.

Face-to-face courses, e-learning courses, distance learning materials and qualifications

MAT and its partners work

together to ensure training

provided for money advisers

promotes consistency of

advice across the sector.

Read on to check what level

of training is suitable for you,

find out about different ways

of learning and take a look at

courses available.

(8)

training

Face-to-face courses, e-learning courses, distance learning materials and qualifications

Individual study with resources and

discussions, this includes:

Discussion forums to enable you to

ask questions and share knowledge and information with other advisers Searchable resources and

discussions containing reference articles, transcripts of court cases, government papers, research materials, links to books and website resources.

Learning at wiseradviser.org

All wiseradviser training is available through the wiseradviser website. Go to the Learning tab to browse for face-to-face, e-learning and distance learning courses and book online. Under the Learning tab you can also find general information about wiseradviser training: Policies • Qualifications • Continuing Professional • Development (CPD) points. For help guides on how to search for and book on courses and how to complete e-learning plus distance learning go to the Website Help tab.

Learning Pathways

Wiseradviser has developed Learning Pathways which group together different parts of a course or related elements of training into a curriculum, making it easy for you to follow a recommended path through our training.

All our modular e-learning and distance learning courses are available on the website in the form of Learning Pathways combining all modules. For each course there is also a test at the end so you can revise what you have learnt. In some cases you can choose to attend a face-to-face workshop after the course, giving you an opportunity to put your learning into practice.

An example of a Learning Pathway

The Debt Relief Orders (DRO) Learning Pathway for Advisers who will be Approved Intermediaries combines different elements to train advisers in the necessary knowledge and skills to become an Approved Intermediary.

The learning pathway starts with the

Insolvency e-learning course. This is recommended for advisers who want to build their basic knowledge of insolvency options

This is followed by the DRO distance

learning course consisting of 6 modules including a link to completing a practice application After the distance learning is the

online DRO post course assessment Advisers must work through all 6

DRO modules and pass the post course assessment to attend the DRO face-to-face workshop and complete the DRO Learning Pathway.

In-house training

To make the most effective use of our funding we use centralised locations that achieve maximum capacity. Periodically we pilot courses in new locations to gauge demand. If you think there is demand in your area we may be able to schedule a course near you. We can also provide in-house courses at cost price to MAT’s partner

organisations. If you have a training room and a minimum of six trainees that need to attend the same course, then it may be cheaper for you to buy-in the trabuy-inbuy-ing and run it at your own premises. This will cut down travel costs and staff time away.

Contact the wiseradviser team

to find out more about in-house training

on contactus@moneyadvicetrust.org

(9)

16 Adviser Support Directoy Adviser Support Directory 17

Wiseradviser course

descriptions

The wiseradviser courses on the following pages are FREE for staff, volunteers and members of our partners. They are listed here in recommended order of completion. It may not be necessary to complete all topics for each level depending on the adviser’s experience and the requirements of their workplace. Go to the wiseradviser website to find further information about the pre-course requirements for each topic and access all wiseradviser distance learning, e-learning and face-to-face courses.

INTRODUCTION TO MONEY ADVICE

This course has replaced the ‘Blue Route’.

Training type E-LEARNING Level GENERALIST

Summary This course introduces new money advisers to

the foundations of money advice. It includes information on how to categorise debts, complete comprehensive budgets, maximise a client’s income, basic signposting and the key actions and implications involved in the money advice process. This is an interactive course divided into 5 manageable online modules and 5 assignments to submit (feedback is provided).

GOOD PRACTICE

WHEN DEALING WITH DEBT

Training type FACE-TO-FACE Level GENERALIST

Summary This course is designed to help advisers provide

a high quality, effective and measurable debt advice service. It provides an opportunity to explore key factors in good practice in dealing with debt cases including: case management, referrals and quality frameworks, support and supervision.

DEBTS IN THE COUNTY COURT (DCC)

Training type E-LEARNING Level CASEWORKER

Summary This course provides a detailed insight into

County Court and High Court procedures.

There are 21 modules we recommend to be completed over 3 or more weeks.

We suggest advisers put this e-learning into practice before attending our optional Debts in the County Court Practitioners Workshop.

DEBTS IN THE COUNTY COURT PRACTITIONERS WORKSHOP

Training type FACE-TO-FACE Level CASEWORKER

Summary This course is designed for advisers who have

completed the Debts in the County Court e-learning course and had the opportunity to put the training into practice. It will provide core practical knowledge sufficient to enable trainees to deal with everyday cases in their agency, the majority of which are straightforward undefended cases. Please note: Before attending this course, you must complete the Debts in the County Court e-learning course.

Generalist Level

E-learning

Good Practice when Dealing with Debt Cases

Face-to-face training

Individual study

Distance learning Practitioner workshops

E-learning

Individual study

Face-to-face training Individual study

Caseworker Level

Insolvency Debts in the County Court

Dealing with Utility Debt

Pre-course reading Discussion forums wiseradviser online resourses Debt Relief Orders

Homeowners Mortgage Support Pre-course reading Discussion forums wiseradviser online resourses

Pre-course reading Discussion forums wiseradviser online resourses Challenging Money Claims

Business Debts Time Orders Limitation of Actions

Lay Advocacy

Debts in the County Court Consumer Credit Act Insolvency in Practice Debt Relief Orders

(for approved intermediaries only)

Specialist Level

Introduction to Money Advice (Citizens Advice learners should refer to training pages on CABlink

or contact Stephanie Munn on 020 7833 5291 or stephanie.munn@citizensadvice.org.uk)

Face-to-face training

Further Professional Development is provided at caseworker and

specialist skill levels from the Institute of Money Advisers.

For more information contact IMA on 0845 094 2384 or go

to www.i-m-a.org.uk

Face-to-face training

Dealing with Mortgage Arrears Rent Arrears

Strategies Council Tax Magistrates Court Action

Debt and Mental Health Negotiation Skills County Court Representation

for Mortgage Arrears

Distance learning

Consumer Credit Act

(10)

CONSUMER CREDIT ACT (CCA)

Training type DISTANCE LEARNING Level CASEWORKER

Summary This course provides a comprehensive and

up-to-date guide to the Consumer Credit Act.

There are 12 modules we recommend to be completed in 3 or more weeks. There is a test at the end to cement the knowledge gained on the course.

We recommend advisers put this e-learning into practice before attending our optional Consumer Credit Act Practitioners Workshop.

CONSUMER CREDIT ACT (CCA) PRACTITIONERS WORKSHOP

Training type FACE-TO-FACE Level CASEWORKER

Summary This course is designed for advisers who have

completed the Consumer Credit Act distance learning course and had the opportunity to put the training into practice. It aims to enable participants to identify the rights and obligations of both the lender and the borrower under the Consumer Credit Act legislation in relation to money advice, and to assist the client to select strategies to deal with Hire Purchase debt.

Please note: Before attending this course, you must complete the Consumer Credit Act distance learning course.

INSOLVENCY IN PRACTICE

Training type E-LEARNING Level CASEWORKER

Summary This course provides advisers with the criteria for

and main implications of Administration Orders, bankruptcy and Individual Voluntary Arrangements. Advisers will be able to compare and contrast these insolvency remedies and assist their clients to identify if each option is suitable for them. The course also covers statutory demands, creditors petitions and the client’s options for dealing with them. There are 15 modules we recommend to be completed over 3 or more weeks. There is a test at the end. Also see the Debt Relief Orders (DRO) distance learning as DROs are an insolvency option.

We recommend advisers put this e-learning into practice before attending our optional Insolvency in Practice Practitioners Workshop.

INSOLVENCY IN

PRACTICE PRACTITIONERS WORKSHOP

Training type FACE-TO-FACE Level CASEWORKER

Summary This course is designed for advisers who have

completed the Insolvency e-learning course and the Debt Relief Orders distance learning course modules 1-5 and had the opportunity to put the training into practice.

It aims to enable advisers to (1) assist clients in making use of the legal remedies currently available for dealing with their insolvency and (2) recognise statutory demands and creditors petitions and be aware of the client’s options for dealing with them.

Please note: Before attending this course, you must complete the Insolvency e-learning course and the Debt Relief Orders distance learning course modules 1-5.

DEALING WITH UTILITY DEBT

Training type E-LEARNING Level CASEWORKER

Summary This course gives you an overview of what happens

when someone has utility arrears and the options available for dealing with them. The e-learning covers three key topics; water, electricity and gas.

DEALING WITH MORTGAGE ARREARS

Training type FACE-TO-FACE Level CASEWORKER

Summary This course will enable you to identify the main

options for dealing with mortgage arrears prior to possession action being taken by lenders. You will be guided through County Court possession procedures and through all the relevant court forms to familiarise yourselves with the information necessary to gain the appropriate court order. Unusually at this level, we also look at the most important legislation and case law relevant to possession.

NB: This course does NOT deal with mortgage shortfall debts.

RENT ARREARS

Training type FACE-TO-FACE Level CASEWORKER

Summary This course aims to enable advisers to assist

clients with cases of rent arrears, and to assist the client to select strategies for dealing with rent arrears prior to possession proceedings.

(11)

Adviser Support Directory 21

STRATEGIES

Training type FACE-TO-FACE Level CASEWORKER

Summary There are many codes of practice, guidelines,

and tried and tested strategies which enhance casework. This two day course will support you in working with clients to develop and implement a strategy and framework for the management of their case in a way which is consistent with the OFT’s Guidance to Debt Management Companies.

COUNCIL TAX

Training type FACE-TO-FACE Level CASEWORKER

Summary This is a comprehensive, intensive course,

explaining the basis upon which Council Tax bills are calculated and how to check a client’s liability. You’ll see how the ‘liability’ ladder and the various discount and reduction schemes all fit together to enable the client to reduce their bill as much as possible. We then move onto the billing, liability order and enforcement procedures and spend a short time looking at the rights and duties of bailiffs when collecting Council Tax debt. We also touch on the rules relating to committal.

MAGISTRATES COURT ACTION

Training type FACE-TO-FACE Level CASEWORKER

Summary This course provides trainees with the skills and

knowledge to support clients when faced with Magistrates’ Court action and financial penalties.

MENTAL HEALTH

Training type FACE-TO-FACE Level CASEWORKER

Summary This course will give money advisers knowledge

of the Mental Health Guidelines and how to apply them to undefended cases. It will include the opportunity to explore appropriate strategies to assist clients with mental health problems to regain control of and manage their debts.

NEGOTIATION SKILLS

Training type FACE-TO-FACE Level CASEWORKER

Summary Negotiation is a key skill required of money

advisers. This course provides you with negotiation tactics that will help you and your clients negotiate with creditors and other key parties successfully. It is highly participative with exercises and discussions to put theory into practice.

COUNTY COURT REPRESENTATION FOR MORTGAGE ARREARS

Training type FACE-TO-FACE Level CASEWORKER

Summary The aim of this course is to enable advisers to

feel confident to represent clients in undefended mortgage possession proceedings in the County Courts.

Please note: Trainees are required to have attended the wiseradviser Dealing with Mortgage Arrears course before attending this course.

DEBT RELIEF ORDERS (DROs)

Training type DISTANCE LEARNING Level CASEWORKER

Summary This course provides advisers with the criteria

for and main implications of Debt Relief Orders (DRO). Advisers will be able to assist their clients to identify if a DRO is suitable for them and advise them of the advantages and disadvantages relevant to their situation. Advisers who wish to be approved intermediaries are required to complete modules 1-6 including the online application and pass the post course assessment. They can then book a place on the DRO Workshop, a practical day designed to build on the distance learning.

Also see the Insolvency e-learning course.

DEBT RELIEF ORDERS (DROs) PRACTITIONERS WORKSHOP

Training type FACE-TO-FACE Level CASEWORKER

Summary In this half day workshop you will review a case

study and explore the role of the intermediary in more detail. Attendees at these face-to-face events will receive a certificate of attendance to enable their competent authority

training

Face-to-face courses, e-learning courses, distance learning materials and qualifications

(12)

to evidence that they have completed training to act as an approved intermediary.

Please note: Advisers must complete modules 1- 6 of the Debt Relief Orders distance learning course including the practice application in module 6, and pass the post course assessment before booking a place on this workshop.

In order to attend you must also meet the pre-entry requirement of 12 months (or full time equivalent) money advice case work experience.

HOMEOWNERS MORTGAGE SUPPORT (HMS)

Training type DISTANCE LEARNING Level CASEWORKER

Summary This course provides advisers with a

comprehensive guide to Homeowners Mortgage Support (HMS) and enables them to take a homeowner through the whole HMS process. The course consists of 5 modules followed by an assessment.

CHALLENGING MONEY CLAIMS

Training type FACE-TO-FACE Level SPECIALIST LEVEL

Summary This course will enable you to establish whether

the client has an arguable defence to a claim, with particular emphasis on catalogue debts. Also clarified are the limits to an adviser’s involvement and making appropriate referrals.

INTRODUCTION TO BUSINESS DEBTS

Training type FACE-TO-FACE Level SPECIALIST LEVEL

Summary This two day course will enable you to advise

and assist individuals with business debts when they have ceased trading and to make appropriate referrals where they continue to trade. Its main focus is on sole traders without employees, although some of the law and principles equally apply to other types of business.

training

Face-to-face courses, e-learning courses, distance learning materials and qualifications

TIME ORDERS

Training type FACE-TO-FACE Level SPECIALIST LEVEL

Summary This course enables advisers to identify when a

Time Order is appropriate. It looks in detail at the powers of the court to grant Time Orders, and the arguments to support the making of such Orders. Time Orders can be an effective method of gaining extra time to pay an agreement regulated by the Consumer Credit Act. They can also be used to freeze interest and charges where perhaps a creditor has refused.

LIMITATION OF ACTIONS

Training type FACE-TO-FACE Level SPECIALIST LEVEL

Summary In addition to considering the provisions of the

Limitation Act itself, the content will focus on the two main topics relating to money advice and the Act; credit debts and mortgage shortfall debts. The course aims to describe the relevance of limitation periods in money advice casework. It will inform you about how to pursue limitation issues with creditors and how to use statute and case law in support of limitation arguments.

LAY ADVOCACY

Training type FACE-TO-FACE Level SPECIALIST LEVEL

Summary This course will identify the key skills used in

effective advocacy, and provide you with an opportunity to practice and improve those skills. Additionally, this course will look closely at the expectations of our clients and of ourselves in the role of advocates to ensure we are not setting ourselves up to fail. The course will concentrate on formal advocacy and is designed to enhance the skills of advisers representing debt clients in legal proceedings.

(13)

Adviser Support Directory 25

Other training available

AdviceUK – Introduction to Debt Advice

Basic money advice training is available from AdviceUK as part of their Learning to Advise course. The 2 day module Introduction to Debt Advice covers topics at a generalist level.

Go to their website for more information

www.adviceuk.org.uk

Citizens Advice – staff and external training

Citizens Advice provides a learning route for CAB workers from induction into the service through to advising clients. For money advice, as well as the advice skills learning, there are Options and Actions for Debt Advice and several bite size e-learning modules on key areas. For more information go to:

www.cablink.org.uk/training_index. htm

Citizens Advice also run a range of training courses on Welfare Benefits and Tax Credits and Employment for advisers from the whole advice sector, some of which are free for voluntary and community sector advisers.

For more information including a full list of courses and booking form go to www.citizensadvice.org.uk/ advisertraining

CCCS – debt and money advice training courses

CCCS provide a range of debt and money advice training courses for people in the free-to-client advice sector. Their basic money advice course Dealing with Debt leads on to more in depth courses such as County Court Procedures and Enforcement, Statutory Debt Solutions and Non Statutory Debt Solutions and Budgeting.

For more information go to their website www.cccs.co.uk

Institute of Money Advisers – money advice courses and seminars

The IMA run an annual programme of money advice courses from caseworker and specialist level through to advanced. The IMA also offer a programme of free professional development seminars in partnership with wiseradviser, covering immediate changes in practice and legislation. For a full list of current courses and seminars, download the latest brochures visit the training pages on the IMA website www.i-m-a.org.uk

Accreditation and qualifications

There are a number of options available for advisers wishing to gain qualifications in money advice. Further details on three current options are included in this section.

MAT is working with partners to assess whether additional qualifications are required in light of current

developments around the Qualifications Credit Framework (www.qcda.gov.uk/

qualifications/60.aspx) and if so will

take this work forward with partners. Updates on these developments plus guidance to help advisers identify which qualification meets their needs will be available on www.wiseradviser.org

from autumn/winter 2010.

CCCS and ICM Diploma in Money and Debt Advice

CCCS has developed six Ofqual accredited unit awards in Money and Debt Advice. These work towards a diploma or certificate in Money and Debt Advice, a nationally regulated, professional qualification.

This is a credit based qualification which sits on the national database of accredited qualifications. The credits are recognised by the Qualifications Curriculum Framework (QCF).

CCCS have six training courses available, each of which are aligned to one of the unit awards within the qualification. CCCS are also able to offer a coach to support you during your studies; they have experienced trainers with extensive money and debt advice knowledge. For more information about the ICM Diploma and the coaching package please go to their website www.cccs.co.uk

Institute of Money Advisers – Certificate in Money Advice Practice

The new IMA qualification ‘Certificate in Money Advice Practice’ represents the culmination of many years work to develop a qualification specifically for money advisers. Studying and passing the IMA Certificate in Money Advice Practice will provide a benchmark for service standards and ensure high-quality advice that will meet the needs of clients.

It costs £300 and MBNA, a Bank of America company, are providing funds to cover up to £200 towards the cost of the qualification, per person.

The qualification is available to

individuals engaged in money advice, or with an interest in related areas such as trainers, benevolent fund officers, housing, and policy officers.

Further details and the full application process are detailed on the IMA website

www.i-m-a.org.uk

NVQ in Legal Advice

National Vocational Qualifications (NVQs) are qualifications that judge a person’s ability to do a job/task/activity. You gain an NVQ by proving that you can perform your job/ task/activity against set standards. The NVQ in legal advice covers generic advice units but also includes optional units including money advice. For more details please visit the qualifications section of www.adviceuk.org.uk

training

Face-to-face courses, e-learning courses, distance learning materials and qualifications

(14)

community

Citizens Advice Specialist Support

Citizens Advice Specialist Support provides a free telephone and online consultancy service to all money advisers in Money Advice Trust partner agencies. They advise on all issues relating to debt such as bankruptcy, consumer credit, Debt Relief Orders, mortgages and secured loans and County Court issues.

This is available to advisers only. Please do not give •

the contact details to members of the public Advisers should use the service where their own •

information resources have failed to provide the required solution.

Online consultancy

If your supervisor does not already have the username and password to access the service, if you are new to using the consultancy service, or you need any other help, email the customer service team on specialistsupport@ citizensadvice.org.uk or call 0845 120 3744 .

Once you have your log-in details, go to http://rdwebsso.cablink.org.uk

Telephone consultancy

Money advice (England and Wales) 080 8808 2575

Monday - Friday, 10am - 4pm Money advice

(Wales only) 0800 138 6068

Tues, Weds and Fri, 10am - 4pm

Conferences

Conferences hosted by Citizens Advice, AdviceUK and Institute of Money Advisers (IMA) provide money advisers with an opportunity to meet each other and discuss the major developments in the sector, network and catch up with old friends. They also bring together people from outside of the free-to-client advice sector such as representatives from government bodies and commercial organisations and promote working together. Go to their main websites to find out when the next conference is happening and what is on the agenda.

Consultancy, conferences, local groups and forums

If you come across a difficult

case, the chance is that

there is a money adviser

out there who has shared

this experience and has

found a solution. As well as

contacting experts through

the Specialist Support

Consultancy, advisers can

benefit through connecting

with their peers and sharing

knowledge and tips.

Read more in this section

about how you can join the

money advice community.

(15)

community

Consultancy, conferences, local groups and forums

Money Advice Groups (MAGs)

There are many groups of money advisers meeting across the UK, some of which are funded by the Money Advice Trust and coordinated by Citizens Advice Specialist Support. They provide an excellent local forum for information exchange between advisers and for continuing professional development.

Groups are organised by different individuals and organisations, and there are different factors that influence the activities within the groups. The meetings usually comprise a combination of:

Speakers (usually creditors, local / •

central government policy makers or membership organisation reps) Subject learning i.e. training or short •

presentations on an aspect of money advice such as DROs or charging orders

A section on Institute of Money •

Advisers (IMA) matters Social policy issues •

Updates on money advice •

developments such as CASHflow or the Common Financial Statement (CFS)

Open forum for case discussion or •

new areas of law.

An updated list of MAGs is attached to every Arian newsletter which can also be found on the wiseradviser website.

Wiseradviser community

The wiseradviser website forums give advisers a place to ask fellow money advisers for advice or assistance, share ideas and network with others in the sector. In this section of the website there are also a variety of money advice related blogs and podcasts. Some money advisers do not work as part of a large money advice team, therefore the wiseradviser website can be a valuable platform offering this vital peer support. Log on to www.wiseradviser.org to connect with others in the sector. For help on posting in the discussion forum go to the Website Help tab.

Adviser Support Directory 29

(16)

AdviceUK Money Advice Consultancy

and Support

AdviceUK’s National Money Advice Co-ordinator provides a money advice social policy and development consultancy and support service to members of the AdviceUK network. This service is available by telephone and email.

Go to their website for more information

www.adviceuk.org.uk

CASHflow

CASHflow is an assisted self-help debt advice resource. It works by supporting clients to make repayment offers directly to their creditors with assistance from a money advice agency. CASHflow clients will be asked to complete a budget sheet that is consistent with the Common Financial Statement (CFS) as part of this process with a money adviser.

For more information go to www.moneyadvicetrust.org

Common Financial Statement

(CFS)

The CFS is a budgeting tool that can be used by advice agencies and other third party organisations to make debt repayment offers to creditors on behalf of clients. It provides a detailed budgeting format enabling an accurate overview of a client’s income, expenditure, assets and liabilities to be produced.

Go to the CFS website for information on how to access the CFS, FAQs and resources.

The CFS website is hosted by the Money Advice Trust

www.cfs.moneyadvicetrust.org

Competent Authorities for Debt

Relief Orders (DROs)

In contrast to other forms of debt relief, DROs are delivered in partnership with debt advisers or ‘Approved Intermediaries’. For an adviser to become an Approved Intermediary they must apply to a ‘Competent Authority’ to act as such. The following organisations are Competent Authorities for Approved Intermediaries.

AdviceUK

Baines and Ernst Ltd* Citizens Advice*

Consumer Credit Counselling Service (CCCS)*

Insolvency Practitioners Association Institute of Money Advisers (IMA)* National Debtline*

Payplan* Shelter

Advice tools, services and further resources

* will only consider intermediary applications

This section covers some

more tools and services

which support money

advisers in their roles.

New initiatives are

continually emerging as a

result of the advice sector

joining forces and working

in partnership with creditors

and government to bring

about positive change for all.

Read on to find out how

money advisers on the

frontline can use experience

to influence policy makers.

servic

(17)

32 Adviser Support Directoy

services

Advice tools, services and further resources

Information Hub

The Money Advice Trust Information Hub is an online library that provides free access to a wide range of statistical and other research for anyone with an interest in debt, credit, debt advice and debt remedies.

The hub warehouses information from a broad range of contributors, including free-to-client advice organisations, government departments, creditor trade associations, academic research faculties and national data archives. Go to

www.infohub.moneyadvicetrust.org

Online Evidence Survey

Thanks to funding from the Royal Bank of Scotland, IMA and AdviceUK members can now work in partnership with Citizens Advice to influence best practice in the financial services industry.

This survey is designed to provide you with a quick and easy way of submitting evidence of good and bad practice in all aspects of the financial services industry. This includes banks, credit providers, debt collectors, bailiffs, utility companies and debt purchase companies. The evidence will be used to support the influencing work carried out on behalf of the free-to-client money advice sector.

Feedback will be via Arian, CAB Money, IMA News and AdviceUK’s Money Advice Update. A link to add a piece of evidence can be found on the wiseradviser website welcome page.

(18)

Finally, we would like to use this publication to thank you and your fellow money advisers for working so hard. We hope that by supporting you we are making a valuable contribution to our shared goal of empowering clients and enabling them to find solutions to reduce debt. Here are some quotes from clients that have been helped by money advisers:

“Thank you so very much for being

sympathetic & informative. I was in

a dreadful state when I contacted

you & you helped me calm down &

listen. I followed your advice. Your

literature was very helpful. You have

the grateful thanks of an old lady!”

“Thank you for your advice this

morning. I will be acting on it

immediately; it was so good to talk to

someone who didn’t talk down to me.

Thanks.”

Thank you!

“May I take this opportunity to

thank all of the advisers we have

dealt with, for the help and advice

you have offered and the support you

have provided throughout this most

difficult time for me and my family.

You have conducted yourselves at

all times with such friendliness and

professionalism – always so calm, so

considered in the midst of such panic

and confusion. On behalf of myself,

my wife and our 11 year old daughter,

I thank you for it.”

“Many, many thanks for all your help

with our DRO application... You have

helped to lift a very large load off our

minds.”

(19)

Do you know of support available for money advisers

that is not included in this directory?

Please contact the Adviser Support team at the Money Advice Trust.

Would you like more copies of this directory?

An electronic version is available at www.wiseradviser.org

or contact the Adviser Support Team at the Money Advice Trust

to request printed copies.

Adviser Support Team

Money Advice Trust

21 Garlick Hill

London EC4V 2AU

Tel: 020 7489 7790

Fax: 020 7489 7704

Email: contactus

@

moneyadvicetrust.org

www.wiseradviser.org

The Money Advice Trust is a charity formed in 1991 to increase the quality and availability of free, independent money advice in the UK. Registered Charity Number 1099506. A company limited by guarantee. Registered in England and Wales Number 4741583.

D es ig n: w w w .h rs gr ap hi cs .c om

The Money Advice Trust is extremely grateful to The Royal Bank of Scotland Group for their generous support which has allowed us to produce this directory.

Figure

Updating...

References

Updating...

Related subjects :