FAQ's

What is the difference between your paid and unpaid services?

Our debt advice services are delivered by Money Saviour CIC and consist of free, regulated debt advice and welfare benefits assistance. These services are only available through referral from partner organisations, such as housing associations or local authorities.

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Our paid services are delivered by Money Saviour Financial Solutions Ltd and consist of wealth coaching and workplace financial wellbeing programmes. These are paid services that provide information and guidance but do not include regulated financial advice about specific products.

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What is the difference between information and advice?

Information and guidance help you understand your options, improve your financial confidence, and support better decision making.

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Regulated advice involves making a personal recommendation about a specific financial product or solution.

Our wealth coaching provides information and guidance only. Our CIC services provide regulated

debt advice under FCA rules.

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Is your debt advice regulated?

Yes. All debt advice provided by Money Saviour CIC is regulated by the Financial Conduct Authority (FCA).

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Are your coaching services regulated advice?

No. Our wealth coaching services provide information and guidance to help people build confidence and improve their financial habits. They do not involve regulated advice on specific financial products.

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Are your services insured and data protected?

Yes. Both CIC and Financial Solutions services are fully insured. We are registered with the Information Commissioner’s Office (ICO) for data protection compliance.

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What happens if I need regulated product advice?

If it becomes clear during coaching that you need regulated advice (for example, about arranging pensions or investments), we will explain this clearly. You will be signposted to appropriate regulated advice sources. Any referrals will be transparent and not subject to any referral fees.

 

What happens if problem debts are identified as part of the paid wealth coaching?

All wealth coaching clients will be asked to complete a small introductory questionnaire before their first session. If it becomes clear that a debt problem is present or that more appropriate support is required, we will always signpost immediately to an alternative free, regulated debt advice service.