Monday, 13 January 2014

Citizens Advice the charity for your community

Elizabeth Crampton from St Albans Citizens Advice Bureau was our guest tonight and covered the following consumer advice topics;

Debt Management 
A large amount of positive work has been undertaken in recent years to help consumers in financial difficulty and ensure free high quality independent advice is available to those who need it:
Regulators, trade associations and firms have developed sector specific rules, guidelines and practices that have driven up standards.
Advisers and creditors have collaborated to improve the way they help people in debt, such as CASHflow and the common financial statement (CFS).
Government and industry continue to fund debt advice services that are free to the consumer.
Organisations in the free advice sector wanted to build on this work. In 2010 they published Do the right thing, which set out how they believe creditors can achieve good practice in debt collection
Gym Membership
Gyms are packed in January. But a few months later, half the people disappear. Resolutions may fade, but if you're locked into a contract, you could be paying £100s a year for nowt.
Gyms aren't cheap either. Add membership administration fees to the monthly charge, and the annual cost is usually north of £500.
Never think a gym costs £50/month. If you're locked in for a year's contract, always multiply it by 12 and think of it as a yearly cost.
And always look at the cancellation charges , particularly if you have to relocate due to your work.

Further details can be found at the web site

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