WE ARE STILL HERE; WE ARE STILL HELPING PEOPLE WITH PRIORITY ISSUES

For the week commencing 6 July 2020 our bureaux are open for appointments and a drop in service from 10 am-12 noon and 2pm -4pm, Monday- Friday.

We must stress that we are expecting high demand and would request that if you can contact us by telephone or through our website then you should continue to do so. This will be a quicker way of speaking to an adviser.

We would ask clients who are experiencing symptoms associated with coronavirus or are living with someone who is to not attend any of our bureaux. Those that do will have to follow the procedures that have been put in place to maintain a safe and healthy environment.

We will of course continue to follow government guidelines and these arrangements will be subject to on-going review.

We are extra busy during these challenging times and appreciate your patience.

People can access our essential services:


Find out more about Coronavirus by visiting nhs inform.

For more information about what Coronavirus means for you, check out our COVID-19 page.

💙💛  We will give regular updates on our services. Best wishes from everyone from Dumfries and Galloway Citizens Advice💙💛

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Home | COVID-19 | Struggling to pay back money you owe?

Struggling to pay back money you owe?

23rd April 2020

If you’re worried about people you owe money to taking steps to get the money back or you’re thinking of applying for bankruptcy (sequestration), a protected trust deed or the debt arrangement scheme (DAS) you can apply for a moratorium, which prevents creditors taking action while you get advice. The moratorium protects you for six months but it does not stop interest or charges building and may impact on your credit rating

If you’re worried, remember that creditors and sheriff officers should be reacting sympathetically to Covid-19 related financial hardship and should treat you fairly as per the Financial Conduct Authority’s rules. If this does not work and the creditor has sent you a document called a “Charge for Payment for Money” giving you 14 days to pay the debt in full, then you should apply for a moratorium. 

You can apply for a moratorium yourself but it is recommended you only do this after getting advice. Once you have applied for a moratorium, if you don’t get advice within 6 months, and make an application for either DAS, protected trust deed or bankruptcy, then it will expire and your creditors can take action again. Read more about protection from action by creditors on the Accountant in Bankruptcy website.

If you have a Debt Arrangement Scheme and can’t afford a payment

If you have a Debt Arrangement Scheme (DAS) and you can’t afford a payment, speak to your money adviser. They can arrange a payment break for you.

If you can’t contact your money adviser then you can ask for a payment break yourself. Read our page about coronavirus and people in a Debt Arrangement Scheme.

Struggling to manage your money?

See our advice page on managing money in the current crisis

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