Dealing with debt

Several families are reducing debt thanks to our Helensville Citizens Advice Bureau.
Two successful cases have involved clients not understanding the loan they obtained.
This resulted in the finance companies writing off the loan as they may have failed to comply with the Responsible Lenders Code- not explaining the loan or the clients feeling pressured into taking out the loan.
Both clients were overwhelmingly relieved in having the debt removed so that the extra money could pay for other family needs.
Other clients have also been helped by our CAB in communicating with creditors to refinance over a longer period or reduce the amount owing to a win-win for both parties.
In some cases it can take several weeks to achieve a satisfactory outcome but our CAB’s budget advisers can assist right through the process.
For one client the CAB worked for 8 months to reach a burden-lifting conclusion.
The free and confidential service is available for those needing to manage their debt or understand their finances and repayments.
Our budget advisers can also help with employment issues. This ranges from assisting employers who do not know what to put into an employment contract or employees who don’t understand their contract or the pitfalls of not having a contract.
Our Citizens Advice Bureau has achieved another major success- gaining a highly commended accolade in the prestigious North West Business awards.
Our coverage area includes Kumeu to Wellsford and we are always looking for volunteers to make a difference in helping people with confidential, independent information and advice.
If you have financial worries or employment concerns, book for an appointment on 09 420 7162 or email: or go to for our national website.
Clients are also welcome to pop into our office at 27 Commercial Rd from Monday to Friday, 10am to 3pm for our other services including JP and computer clinics, writing up CVs, providing visitor and tourist information and providing window displays to promote community activities and organisations

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