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Citizens Advice Carlisle & Eden are working with the England Illegal Money Lending Team (IMLT) to steer residents away from borrowing from loan sharks in the lead up to Christmas.   To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are […]

Advice Column – Council Tax Debt

I am struggling to pay my Council Tax again this month – what will happen? If you’ve missed a Council Tax payment, you’re in ‘arrears’ – this means you owe money to your council. Don’t wait for them to contact you. You should contact your council straight away. Ask to speak to someone in the […]

Advice Column – Payday Loans

Should I take out a Payday loan? Payday loans are an expensive way to help people over temporary problems. They are not suitable for longer-term difficulties. A loan from a credit union is more affordable – check if there’s a credit union in your area If you have a bank account, you may be able […]

Advice Column – Are you worried about student debts?

I’m just starting a degree and am worried about amassing debts? Students who graduate are more likely to have debts due to higher living costs, entertainment and tuition fees.  Here is some information to help maximise your income levels and help you to keep your spending under control. Tuition Fee Loan English or EU full-time […]

Student Housing

Student housing – lodgers If you rent a room in your landlord’s home and share some accommodation with them, then you may be what’s commonly known as a lodger. You may have your own room, usually a bedroom, but you don’t have exclusive use of that room. This means that your landlord can enter the […]

Advice: Arranging a funeral

“I have been asked to arrange a funeral for a friend who is terminally ill. I have never had to do anything like this before. Is there any information or advice you can give?” No one wants to have to arrange a funeral at what is already a difficult time. If you do, having an […]

Donate to CACE by your usual Amazon shop!

You can now donate to us simply by buying anything from Amazon! Follow the link below and select Carlisle & Eden Districts CAB (this is our registered name) and 0.5% of your purchase will be donated to us! This does not cost you anymore, however you will need to remember to shop using the same […]

Cold Callers

We have been contacted by people who have had cold callers claiming to be Citizens Advice Carlisle & Eden or “CAB”. Don’t give out any personal details to cold callers claiming to be from us. These are almost certainly scam calls. If you suspect a scam, report it to Action Fraud on 0300 123 2040.

Preparing your finances for retirement

Get help with Pension Wise Pension Wise is a free and impartial service to help you understand what your pension options are. Find out more at When you can start getting your pension State pension You can claim state pension when you reach state pension age. Check when you’ll reach state pension age with GOV.UK’s state […]

National Consumer Week 2017

It’s National Consumer Week 2017. See the below information from the Citizens Advice website and useful videos from the Competition and Markets Authority and the UK European Consumer Centre. When you sign up for an offer you can end up making regular payments after it finishes – this is known as a subscription. It’s not […]