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New debt advice service for all North Ayrshire residents

Are you a North Ayrshire resident who is experiencing difficulties with debt or arrears on household bills?

North Ayrshire Health and Social Care Partnership (NAHSCP) is now funding a new debt advice service, which will be delivered by CHAP for the next two years through their base at The Michael Lynch Centre for Enterprise in Ardrossan.

CHAP provides free, independent debt advice and practical solutions for all – no matter how big or small your debt problem.

With a team of specialist staff, one of CHAP’s expert debt advisers can talk you through your options and help you decide the best way forward for you, before setting up your chosen debt solution and allowing you to take back control of your life.

In addition to the new debt advice service, a Financial Inclusion Partnership for North Ayrshire has recently been established by NAHSCP.

Services on offer include:

  • Negotiating repayments with creditors, including payday loan lenders
  • Advice on bankruptcy
  • Assistance with court proceedings
  • Accredited Debt Arrangement Scheme (DAS) advisors
  • Assistance with council tax arrears

To get in touch, call 030 0002 0002,email or use the online contact form at

Meet CHAP’s new Financial Inclusion Officer in the Take Two video interview here.

Representatives from CHAP joined a number of welfare rights, debt and financial inclusion services, as well as key partner services and organisations operating in North Ayrshire, at the Redburn Community Centre in Irvine recently for the second meeting of the Partnership.

This new partnership was one of the key objectives detailed in the North Ayrshire Financial Inclusion Strategy 2023-28, which sets out North Ayrshire Council’s response to the current cost of living crisis in relation to the provision of welfare rights and debt advice, as well as wider financial inclusion services.

With representatives from public and third sector advice services, as well as key stakeholders from employability, education, housing, social work, customer services, Community Link Workers, the DWP and Alcohol and Drugs Partnership, partnership members share a common aim of working together to support people in North Ayrshire – in particular those most vulnerable and isolated – to reduce financial exclusion and child poverty.

The partnership aims to foster collaboration and enable a joint approach, making the best use of all available resources to provide the greatest benefits to individuals, families and communities in relation to entitlements, managing money, debt, financial literacy, digital inclusion, affordable lending, fuel poverty, health and wellbeing and more.

In addition to CHAP, representatives from Money Matters, NAC’s Welfare Reform and Advice team, Cunninghame Housing Association’s Welfare Rights and Lemon Aid services, ANCHO, Children 1st and Christians Against Poverty attended a marketplace event as part of the recent meeting to showcase the services they are able to provide North Ayrshire residents to partnership stakeholders.

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