Money & Debt Advice · Caerphilly
Debt help that starts with a conversation.
Free, confidential money and debt advice for households across Caerphilly. The Parish Trust delivers this in partnership with Community Money Advice — no judgement, no cost, and someone who will stay with you until things feel clearer.
Part of the Help Hub. Register online, or call and choose option 1 for the office.
- Free & confidentialNo charge, ever
- Face to face or onlineAppointments to suit you
- FCA-regulated through CMAProfessional, independent advice
- Free
- Confidential
- Sympathetic
- Face to face
Debt problems are common. You are not the only one, and you do not have to sort it out on your own.
What we help with
Practical help with money, at your pace
Whether you are behind on bills, worried about letters, or simply want to understand your options, we will look at the whole picture with you. Nothing is too small and nothing is judged.
Priority debts and arrears
Rent, council tax, energy, water and other essentials — we help you understand what matters most and what to do next.
Budgeting that works
A realistic household budget built around your income, your family and the things you cannot cut.
Letters and creditor calls
We can take over correspondence with creditors, explain what letters mean and help you respond.
Benefits and support
A check for benefits, grants and local support you may be entitled to but are not receiving.
Options and next steps
Clear explanations of the options available to you, including specialist and insolvency routes where needed.
Ongoing money mentoring
Support to build money skills and stay on top of things once the immediate pressure has eased.
You do not need to have everything sorted before you contact us. Bring what you have, or bring nothing at all. We will tell you what is useful at your first appointment.
Start with the Help HubThe process
How it works
Four straightforward steps, at a pace that suits you. You can stop at any point, and you can come back whenever you need to.
- 1
Get in touch
Register through the Help Hub or call the office. Tell us a little about what is happening — a short summary is enough.
- 2
A free appointment
Meet your adviser in person or online. We listen first, then look at income, outgoings, debts and what matters most to you.
- 3
We take the pressure off
Your adviser can contact creditors, explain your options and help you put a plan in place. We stay with you while it is sorted.
- 4
Stay in control
Budgeting and money mentoring help you keep on top of things once the immediate pressure has eased.
Appointments are usually available Monday to Friday. If you need an evening or online appointment, tell us when you get in touch and we will do our best to help.
Our partnership
Free debt advice, delivered with Community Money Advice
The Parish Trust is a Community Money Advice centre for Caerphilly. Community Money Advice (CMA) is a national charity that equips churches and community groups to run local, free, face-to-face money advice services.
CMA provides the training, resources and accreditation behind our service, so you can be confident that the advice you receive is professional, regulated and independent.
Debt advice is provided by The Parish Trust in partnership with Community Money Advice (CMA). FCA-regulated debt advice is delivered through CMA.
- Free — there is no charge, ever
- Confidential — your information stays private
- Sympathetic — you will never be judged
- Face to face — with a real person
Caerphilly CMA Centre
CMA centres help thousands of people across the UK each year to deal with debt, learn budgeting skills and stay debt free in the future.
Help Hub
The Help Hub is the front door
One account. One place to ask for support, choose an appointment and keep track of what happens next. If you would rather speak to someone, the phone is always answered by a person.
- Register for debt advice and choose a time that suits you
- See the support available to you in one place
- Upload documents securely if you already receive support
- Refer someone as a professional or partner organisation
Already registered? Sign in to the Help Hub. New here? Choose “Service user” or “Referral partner” when you register.
One place to ask for help.
Mon–Fri, 9am–2pm · option 1 for the office
More support
Help that fits together
The Parish Trust supports people through several services. You do not need to work out which one to use — start with the Help Hub and we will guide you.
Good to know
Questions, answered
Is the advice really free?
Yes. There is no charge for money or debt advice through The Parish Trust and Community Money Advice. We will never ask you to pay for an appointment or for help with your debts.
Will anyone find out that I have asked for help?
No. Our service is confidential. We do not tell family, employers, creditors or anyone else that you have contacted us, except where you ask us to or where the law requires us to share information to keep someone safe.
What should I bring to my appointment?
Bring what you have: recent letters from creditors, bank statements, details of your income and any bills you are worried about. If you do not have these, come anyway. Your adviser will tell you what would be most useful.
Do you offer appointments online?
Yes. You can choose an in-person appointment at one of our locations or meet your adviser online, depending on availability. The options are shown when you choose a slot.
What is Community Money Advice?
Community Money Advice (CMA) is a national charity that supports local centres to provide free, face-to-face debt advice. CMA provides our training, resources and accreditation, and FCA-regulated debt advice is delivered through CMA.
I am not sure whether I need debt advice. Can I still contact you?
Yes. You do not need to be in crisis to talk to us. If money worries are affecting your home, your sleep or your peace of mind, that is enough of a reason to get in touch.
Will getting advice affect my credit score?
Talking to an adviser does not affect your credit score. Some formal debt solutions can affect your credit file, and your adviser will explain any consequences clearly before you decide anything.
Still not sure? Talk to the team — we would much rather you asked.
Get involved
Could you help someone else?
Our service is built on local people giving their time, skills and support. There are two simple ways to make a difference.
Volunteer as a Money Mentor
Community Money Advice trains volunteers to offer budgeting help and practical support. If you are patient, good with people and want to help local households, we would love to hear from you.
Find out about volunteeringSupport the work
Donations help us keep advice free, train advisers and reach more households across Caerphilly. Every gift, however small, helps someone take the next step.
Donate to The Parish TrustContact
Talk to us about money
Call us, email us or register through the Help Hub. If you are not sure whether we can help, please ask — that is what we are here for.
Monday to Friday
By arrangement, in person or online7 Roundabout Court, Bedwas House Industrial Estate, Bedwas, Caerphilly, CF83 8FS
Get directions