Money Advice Service

Money Worries?

The Moray Council Money Advice Service can advise you on how to get your debts back under control. Our advice is FREE and CONFIDENTIAL. Don't delay, contact us today on 0300 1234561 for an appointment with a Money Adviser.

Fee Operating Money Advice Services

There are many companies who charge for money/debt advice. Many of these companies claim 'no up front charges' but care is needed. The choice is yours, but we advise using a free, independent service such as ourselves or the national agencies listed below.

Other Free Debt Advice Agencies

• National Debtline, Freephone: 0808 808 4000
• StepChange Debt Charity, Freephone: 0800 138 1111

Budgeting and Money Management Advice

• Moray Council's Income Maximisation team
• The Money Advice Service. 0300 500 5000 
• Scotland's Financial Health Service
• Citizen’s Advice

Welfare MAP

The Welfare MAP points you to help and information with changes to the welfare benefits system, including how to claim, budgeting, housing, getting online and how to find a job.

Advice on Sanctions

This booklet tells you all you need to know if you have been sanctioned and  had your benefits reduced or stopped - Sanctions a Survival Guide (PDF)