Common
questions.

No. Specialist debt advice is a business-to-business service, commissioned by organisations for the people they support. We can't accept referrals from individuals. Free, confidential debt advice is available to the public from MoneyHelper (the Money and Pensions Service), Citizens Advice, StepChange and PayPlan.

Debt advice from Money Saviour C.I.C. is authorised and regulated by the Financial Conduct Authority (FRN 618806). Personal finance coaching and financial wellbeing from Money Saviour Financial Solutions Ltd are guidance and education. They aren't regulated by the FCA and aren't regulated financial advice.

We work under contract on a fixed-fee basis, through fixed-term or flexible contracts, per case or in referral blocks. Get in touch and we'll discuss what would suit the people you support.

Debt advice helps people deal with debts and benefits, and is only available through organisations that commission it. Coaching is a separate, paid service for anyone who wants help to organise, plan and build confidence with their money. It looks at the overall picture of your financial health, including how things like tax, pensions, investments and protection fit together, so we can identify gaps, pressure points and priorities. It isn't regulated financial advice or product recommendations.

Yes. Commissioned debt advice is delivered online via Zoom or Teams, by phone or in person through the organisations that commission it. Personal finance coaching takes place online via Zoom or Teams, so we can work with individuals anywhere in the UK.

Please email your caseworker directly. This website isn't for client queries.

Personal finance coaching is sometimes called money coaching or financial coaching, but it takes a broader view. Alongside budgeting, money mindset and behaviours, it looks at your overall financial health, identifies gaps and pressure points, and works towards your goals with ongoing accountability.

It is led by Sorcha, a qualified IFA, so existing arrangements such as pensions and protection are considered as part of the overall picture. It is still guidance and education, not regulated financial advice, and we don't recommend products.

Information and guidance help you understand your options, improve your financial confidence and make better decisions.

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

Personal finance coaching provides information and guidance only. Money Saviour C.I.C. provides regulated debt advice under FCA rules.

If it becomes clear during coaching that you need regulated advice, for example about arranging pensions or investments, we'll explain this clearly and signpost you to appropriate regulated advice. Any referral is transparent, and we don't receive referral fees.

No. Personal finance coaching doesn't offer debt advice. Everyone who books completes a short pre-appointment questionnaire before their first session, and if it shows a debt problem, or that other support would suit you better, we'll signpost you straight away to a free, regulated debt advice service such as MoneyHelper, Citizens Advice or StepChange.

Yes. Both companies hold professional indemnity insurance and are registered with the Information Commissioner's Office (ICO). See our privacy notice.

Please see our complaints procedure, which explains how to complain about either company.