Debt Advice

This service is aimed at those who are vulnerable or who have complex needs, for example:

  • Offenders, ex-offenders or their families
  • People with mental health problems
  • People with learning disabilities
  • Those with a disability or long-term illness

Although the debt service is promoted to vulnerable clients we retain the flexibility to assist others clients who have approached us, so please call us if you do have any money problems for an assessment.

Whatever your debt problem, NCLS can offer you advice and support. Whether you have a one-off query, require someone to contact your creditors or need to consider your options, we can help. Our advisor Andy Cobb is an approved Intermediary for Debt Relief Orders.

To make an appointment or for more information please contact us. Or you can email the debt team directly at

The main funder of this service is the Money Advice Service (MAS) through their Financial Inclusion Fund but we also receive funding from Norwich Consolidated Charities, Norwich City Council, Comic Relief, Henry Smith Charity and the Shaw Trust.  

We are authorised and regulated by the Financial Conduct Authority to give debt advice (ref. no. 620093).