We're HERE to HELP

Quite simply, we're here to help the people of Lancashire with the problems they face. Our advice is free, confidential, impartial and independent. We operate from four locations across Lancashire: Chorley, Leyland, Fleetwood and Skelmersdale. We provide advice in person at our offices, via our telephone helpline or by email.

If you have a problem you need help with there are several options available to you:

  • Look through the advice sections detailed below or visit our main AdviceGuide site.
  • Telephone our Gateway Service on: 0344 245 1294 (Monday to Friday 9am to 5pm) (local rate number).
  • Call in to your local bureau. Select your most convenient location from our Area Map for details of our opening times and office addresses.
  • If it’s more convenient, we now offer advice by email. Click on the following link to use this option Advice by Email
  • If our offices don't cover your location, enter your postcode in the "Find your local Citizens Advice" section on our main site.

Advice

Lancashire West Citizens Advice offers free, confidential, impartial and independent advice and information on a wide range of subjects.

Quick Links

Pension wise

Pension Wise is a free government service that helps you understand what you can do with your pension pot money.

It offers guidance about your options for taking your pension pot(s), and can help you understand the tax implications.

It also offers free guidance appointments over the telephone or face-to-face where you can talk through these options, ensuring you have the information you need to make the right decision.

Pension Wise can help you:

  • Understand the right things to think about when considering your choices, such as your plans to continue working, your personal and financial circumstances, and leaving money after you die
  • Understand the different options for accessing your pension pot(s), and the potential advantages and disadvantages of each
  • Understand the tax implications of each choice

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What we're saying on Twitter

 

Latest News

CAB news 16 February 2018

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Friday 16 February 2018 We’ve released new research, covered by the Mirror, which finds 8 out of 10 mental health staff who deal with a patient’s practical issues have less time to give treatment. We’re now calling for advice services to be integrated in more mental health settings to ease the pressure on staff and

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Energy customers “victims of a dysfunctional market”, says Citizens Advice

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15 February 2018 In response to today’s (13 February) Business, Energy and Industrial Strategy (BEIS) Select Committee pre-legislative scrutiny of the draft Domestic Gas and Electricity (Tariff Cap) Bill, Gillian Guy, Chief Executive of Citizens Advice, said: “As this report makes clear, both loyal and vulnerable energy customers have been the victims of a dysfunctional

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Identifying vulnerable energy customers “essential for better consumer protection”, says Citizens Advice

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15 February 2018 Citizens Advice has responded to today’s announcement by the Department for Business, Energy and Industrial Strategy (BEIS) of a consultation on data sharing between energy companies and the Department for Work and Pensions to better identify energy customers who should be covered by the Ofgem’s safeguard tariff. Gillian Guy, Chief Executive at Citizens Advice,

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Energy UK vulnerability commission offers “real opportunity”, says Citizens Advice

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15 February 2018 Citizens Advice has today welcomed the announcement by Energy UK of the launch of the Commission for Customers in Vulnerable Circumstances. Gillian Guy, Chief Executive of Citizens Advice, said: “This commission offers a real opportunity to ensure that vulnerable energy customers receive a better service and the right level of support. “We’ve

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CAB News 9 February 2018

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Friday 09 February 2018 Local Citizens Advice across the country were interviewed on regional BBC radio stations about figures on unsecured debt released by the broadcaster on Thursday. The figures, which were whittled down to postcode level, came from UK Finance and revealed the amount borrowed from banks in the form of loans. Regional Debt

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Citizens Advice comments on the Government’s response to the Taylor review

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9 February 2018 Citizens Advice has commented on the Government’s response to the Taylor review of modern employment practices, saying that while some of the measures are welcome, action still needs to be taken on some ‘grey areas’. Gillian Guy, Chief Executive of Citizens Advice, said: “Employment rights are only as good as people’s ability

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Vulnerable people to save up to £230 a year on their energy bills, according to Citizens Advice

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9 February 2018 Vulnerable people will save the equivalent of up to two months of their annual energy bill from today, as Ofgem’s safeguard tariff comes into effect for a million more people. The tariff will cap the energy bills of customers who are eligible for the Warm Home Discount – which includes some of

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Citizens Advice calls for regulators to take action as it reveals loyalty can cost customers nearly £1,000 per year

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01 February 2018 Customers who stay loyal to their essential service providers could be paying £987 more per year – equivalent to four months’ worth of food for the average household – new research from Citizens Advice reveals. The report found that charging loyal customers more than new customers for the same service is a

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Citizens Advice responds to the FCA’s high-cost credit review update

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01 February 2018 Gillian Guy, Chief Executive of Citizens Advice said: “The FCA’s high-cost credit review update echoes our concerns that rent-to-own companies and unarranged overdraft fees unfairly penalise vulnerable consumers. “Credit products should help consumers manage their money and not push them into debt. “It’s encouraging to see that the FCA is willing to

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Citizens Advice responds to latest Bank of England figures on consumer borrowing

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01 February 2018 Bank of England consumer credit statistics released today show consumer borrowing has risen by 9.5% in the year to December 2017, ending a period of slowing growth and pushing the total to £207.1 billion. The 8.9% growth in credit card lending has pushed the total borrowed on cards beyond the £70 billion

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Citizens Advice calls on government to strengthen voice of telecoms consumers as new poll shows majority face service issues

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01 February 2018 Six out of 10 broadband consumers experienced slow service or had their connection stop working entirely in the last year, disrupting the ability of some consumers to work or study (24%), pay bills or online bank (16%), or connect with friends and family (21%), new polling from Citizens Advice has found. This

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Citizens Advice reassures Future Energy customers as firm goes out of business

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01 February 2018 Citizens Advice has reassured customers of Future Energy that their energy supply will continue despite the firm going out of business, and said that a new supplier will be arranged by Ofgem. The national charity is urging customers not to switch suppliers at this stage, as they may not get any refunds

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CAB News 26 January 2018

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Friday 26 January 2018 Our new research revealing six out of 10 broadband consumers experienced slow service or had connection problems in the last year has been picked up by the Mail and BBC Online, among others. We’re also expecting BBC News to run an interview with Andrew Rodger, Director of Policy for Post and

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Citizens Advice calls on government to strengthen voice of telecoms consumers as new poll shows majority face service issues

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26 January 2018 Six out of 10 broadband consumers experienced slow service or had their connection stop working entirely in the last year, disrupting the ability of some consumers to work or study (24%), pay bills or online bank (16%), or connect with friends and family (21%), new polling from Citizens Advice has found. This

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Citizens Advice reassures Future Energy customers as firm goes out of business

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26 January 2018 Citizens Advice has reassured customers of Future Energy that their energy supply will continue despite the firm going out of business, and said that a new supplier will be arranged by Ofgem. The national charity is urging customers not to switch suppliers at this stage, as they may not get any refunds

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Citizens Advice calls for mandatory levy on gambling companies to fund support

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26 January 2018 Citizens Advice is calling on the government to take advantage of unused powers to require betting companies to pay more towards tackling gambling-related harm, instead of allowing the industry to decide how much they donate. In this report, the national charity reveals the knock-on effects of problem gambling. It finds that up

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CAB News 18 January 2018

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Thursday 18 January 2018 Local media are beginning to pick up our story promoting Big Energy Savings Week events next week. There’s a template press release up on CABlink promoting Big Energy Saving Week events in your area. Debt Citizens Advice top tips for managing debt. Bury Times, 18/01/2018, Brad Marshall The Bury Times has covered our research

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Citizens Advice responds to Institute for Fiscal Studies report on household debt

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18 January 2018 Gillian Guy, Citizens Advice Chief Executive, said: “Borrowing can help people manage unexpected expenses, but stretched household budgets mean some people are taking on debts they cannot afford just to make ends meet. “People can be pushed further into debt by irresponsible lending practices such as credit card companies handing people credit

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Citizens Advice responds to BEIS Committee’s report on product safety and electrical goods

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18 January 2018 Citizens Advice has responded to the Business, Energy and Industrial Strategy (BEIS) Committee’s report on the safety of electrical goods in the UK. Gillian Guy, Chief Executive of Citizens Advice, said:“No one should have to worry if a product they have bought is unsafe. That is why companies should make consumers aware

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Energy network companies “making billions in excess profits at the expense of consumers”, says Citizens Advice

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18 January 2018 Responding to the Energy and Climate Information Unit’s report on the profits of electricity distribution network companies, Gillian Guy, chief executive of Citizens Advice said: “Electricity distribution companies are making billions more than expected by Ofgem at the expense of consumers, driving up bills at a time when many people are struggling

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Too many loyal energy customers being “ripped off”, says Citizens Advice

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18 January 2018 Responding to Energy UK’s figures that 5.5m people switched energy supplier in 2017, Gillian Guy, chief executive of Citizens Advice said: “It’s heartening that more people are engaging with the energy market, but too many loyal customers still are being ripped off simply because they don’t switch. “Our research shows that it

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CAB News 11 January 2018

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Thursday 11 January 2018 Citizens Advice Mendip features in a Guardian article about the rise in rural homelessness, following a report that homelessness in predominantly rural local authorities has risen by 42% since 2010. Sam Hook, an adviser from Citizens Advice Mendip was interviewed, outlining what is driving the rise in homelessness and destitution, which

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CAB News 4 January 2018

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Thursday 4 January 2018 There has been further coverage of our story on gym problems in the Sun Online. The article also includes our advice for people to do their homework before signing a contract with a gym or health club. National Gyms GOING GREEN Attempting a January health kick? We round up all the

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Make sure getting fit doesn’t leave your finances out of shape, warns Citizens Advice

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Thursday 4 January 2018 Charity reveals it helped people with nearly 3,500 problems around gyms, health clubs and fitness studios in the last year. Citizens Advice is urging people to do their homework before signing up to any fitness memberships this new year, to make sure they don’t end up out of pocket. As many

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CAB News 21 December 2017

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  Thursday 21 December 2017 Fresh research from the Resolution Foundation has found that agency workers are collectively underpaid to the tune of £400m a year. National Scams Scammer rips off jobseekers The Mirror, 21/12/2017, p26, Penman Investigates Complaints made to Citizens Advice about an employment scam in Yorkshire helped lead to the conviction and

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“More needs to be done” on standard variable tariffs, says Citizens Advice

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21 December 2017 Responding to Ofgem’s new league table, which ranks the ten largest suppliers according to how many customers are on poor value standard variable tariffs, Citizens Advice Chief Executive Gillian Guy said: “Poor value default tariffs are ripping off loyal consumers and costing people up to £300 extra a year. “It’s encouraging that

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Energy network Western Power Distribution to make £340m more in profits than previously forecast, Citizens Advice finds

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21 December 2017 Citizens Advice has today called for energy network companies to pay back excessive profits after Ofgem, the energy regulator, published its latest annual reports on price controls for energy networks. Citizens Advice’s analysis of the results show that profits for the electricity network Western Power Distribution will be £340m higher than previously

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Citizens Advice responds to government announcement of £370m in funding for Post Offices

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21 December 2017 Citizens Advice has today said that £370m in funding for the Post Office network will help create a “sustainable future” for these valued assets. The government has announced it will commit £160 million of this funding to protect ‘last shop in the village’ community branches and maintain people’s access to their local

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Young people and Londoners are most willing to use post office self service machines as complaints about queues rise in December, Citizens Advice finds

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16 December 2017 Citizens Advice has today published new research on people’s behaviours at post offices to help consumers ahead of the last guaranteed posting dates for Christmas. The charity – which is the statutory watchdog for postal consumers – is encouraging people  to avoid the busiest periods during the annual rush, by visiting post

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Voluntary agreement with credit card companies still leaves people vulnerable to problem debt

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14 December 2017 Financial Conduct Authority (FCA) plans to change how credit card firms offer credit limit increases do not go far enough to protect consumers from problem debt, Citizens Advice says. The update paper on credit cards and persistent debt released today shows the FCA has stopped short of the clear ban on unsolicited

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CAB News 14 December 2017

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Good morning Inflation rose to a six year high of 3.1%, according to the Office for National Statistics (ONS), increasing the squeeze on household finances. The ONS will release statistics on the labour market at 9.30 this morning, with the focus expected to be on how earnings will close the gap on inflation. National Workplace

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Economy Energy and Spark Energy at the bottom of Citizens Advice customer service table

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14 December 2017 Economy Energy has finished bottom of the  Citizens Advice’s league table of energy suppliers for the second consecutive quarter. The company received a score of 1.8 out of 5 for its customer service for the period from June to September 2017. Spark Energy dropped 11 places in the rankings to join Economy

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CAB News 8 December 2017

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Friday 8 December 2017 Our latest energy Star Ratings – which reveal the best and worst energy providers for customer service – have been picked up by some national media. “It’s encouraging that some companies have made improvements in how they treat their customers, but we’re concerned that customers are still being let down through

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Citizens Advice responds to CMA launching investigation into heat networks

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8 December 2017 Citizens Advice today welcomed the Competition and Markets Authority (CMA) announcement that it is launching a market study into district heating networks. Gillian Guy, chief executive of Citizens Advice, said: “The CMA’s decision to investigate heat networks will shine a welcome spotlight on the unregulated firms heating thousands of people’s homes. “Gaps

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Citizens Advice responds to CMA care homes market study

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08 December 2017 Citizens Advice has today welcomed the Competition and Markets Authority’s (CMA) final report into the residential care home market and called for the right support to be made available to people planning for and choosing care. The CMA’s investigation was launched after Citizens Advice called for the care home market to be

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Citizens Advice responds to government plans to close the disability employment gap

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08 December 2017 Citizens Advice has today responded to the government’s Improving Lives: the Future of Work, Health and Disability paper, which lays out plans to narrow the disability employment gap. The charity, which published its response to the Work, Health and Disability Green Paper earlier this year, welcomed plans for more integrated services for

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CAB News 30 November 2017

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  30 November 2017 Citizens Advice Liverpool’s launch of a new advice app, which allows people to access advice and contact details through their smart phone, featured on BBC Radio Merseyside. Chief officer Leanne Campbell-Syers told the programme: “We are becoming more digital and we have developed something that reaches out to people instantly and

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Citizens Advice responds to SGN returning £145m to energy customers

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30 November 2017 Citizens Advice responded to news that gas distribution network company SGN will make a voluntary contribution of £145 million to consumers, acting on the national charity’s call for energy networks to return excess profits to the people that paid for them. Earlier this year Citizens Advice highlighted how energy network companies are making £7.5

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Citizens Advice reveals consumers spend an average of £160 on unwanted subscriptions during National Consumer Week

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30 November 2017 New analysis shows that in just three months consumers paid an average of £160 towards unwanted subscriptions like gym memberships, television, insurance and online streaming services. With the rise of subscription services available, Citizens Advice is warning consumers that while it may be easy to sign up for these services, they can

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Citizens Advice reveals home insurance companies are routinely overcharging older people, potentially £110 a year

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30 November 2017 New research published today suggests home insurance companies are overcharging up to 13 million households in the UK simply for renewing their existing policy. Polling conducted on behalf of Citizens Advice found that older people are especially vulnerable to these additional costs. 40% of people over 65 have had their home insurance

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CAB News 23 November 2017

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The Chancellor of the Exchequer delivered his Autumn Budget yesterday, in which he announced significant changes to Universal Credit, as called for by Citizens Advice. The seven day waiting period at the start of a Universal Credit application will be scrapped, housing benefit will continue to be paid for two weeks at the start of

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Citizens Advice responds to Autumn Budget 2017 announcements on Universal Credit

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23 November 2017 Citizens Advice has today welcomed the Chancellor of the Exchequer’s changes to Universal Credit. In his Budget statement the Chancellor announced the removal of the seven waiting days before a claimant can apply for Universal Credit; significant improvements to the advance payments system- including increasing the amount available and extending repayment periods;

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Citizens Advice responds to British Gas replacing standard variable tariffs

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23 November 2017 Citizens Advice has responded to the announcement that energy supplier British Gas (Centrica) will replace its standard variable tariff with a fixed term default tariff, as part of a package of new measures for its customers. Citizens Advice Chief Executive, Gillian Guy said: “Poor value default tariffs that take advantage of customer

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Citizens Advice calls on government to commit funding for post offices

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23 November 2017 A new report from Citizens Advice shows people in rural areas are more likely than their urban counterparts to depend on their local post office for key services, including postal services, banking, collecting state benefits, pensions and purchasing household goods. As the number of pubs, banks and shops decline across England, the

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Credit card companies pushing credit on millions of people who can’t pay

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23 November 2017 People who don’t think they can pay their debts are being given thousand of pounds of credit they haven’t asked for, Citizens Advice warns today. Fresh evidence from the charity suggests that 6 million people have had their credit limit increased in the last year without their consent – and 32% of

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CAB News 16 November 2017

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Thursday 16 November 2017 There is growing speculation that the government will cut the six-week wait for Universal Credit payments in the next few days so we’re anticipating another spike in journalists interested in covering the topic. If you need any support with bids from local media do contact the news team, and please also

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Citizens Advice responds to Ofcom’s automatic compensation scheme for broadband customers

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16 November 2017 Citizens Advice has responded to Ofcom’s announcement that broadband companies will automatically compensate customers for slow repairs, missed appointments and delayed installations. Gillian Guy, chief executive of Citizens Advice, said: “People rely on broadband for many of their daily activities, but all too often providers fail to deliver the service their customers

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SSEN acts on Citizens Advice’s call to return excessive profits to energy customers

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10 November 2017 Citizens Advice has responded to news that Scottish and Southern Electricity Networks (SSEN), the electricity networks division of SSE plc, will make a voluntary contribution of £65.1 million to consumers, relating to its electricity transmission business. Earlier this year Citizens Advice highlighted how energy network companies are making billions of pounds worth

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Treasury Select Committee should investigate whether lenders are trapping people in debt

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10 November 2017 On the 8th November the Treasury Select Committee opened a new inquiry into household finances. Welcoming the inquiry, Gillian Guy Chief Executive of Citizens Advice said: “We welcome the Treasury Select Committee’s decision to investigate the state of the nation’s finances. “In the past 12 months, Citizens Advice across the country have

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CAB News 9 September 2017

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Thursday 9 September 2017 The Treasury Committee has announced it will launch an inquiry into household finances, investigating the UK balance sheet of savings and debts among the population. Our response calls on the inquiry to probe whether lenders are trapping people in debt. National Energy Energy giants set to merge ITV, 08/11/2017, Chris Choi

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Interest rate rise could compound people’s money problems, says Citizens Advice

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09 November 2017 The Bank of England has decided to raise the base rate for the first time in a decade to 0.5%. In response to the decision, Gillian Guy, Chief Executive at Citizens Advice said: “Today’s interest rate rise risks compounding the problems of people already in financial difficulty. “While many people won’t be

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CAB News 2nd November 2017

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Thursday 2nd November 2017 The Bank of England’s Monetary Policy Committee will today deliver its latest decision on interest rates, along with its latest inflation report. Speculation from economists and investors suggests that rates could rise for the first time since July 2007, increasing the cost of borrowing money. Interest rates have been at 0.25%

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The FCA must step in to curb the rise of consumer debt, says Citizens Advice

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Thursday 2nd November 2017 The Bank of England consumer credit statistics show that consumer borrowing has risen by 9.9% in the year to September 2017, now totalling £204 billion. With speculation rising about the Bank of England increasing interest rates, Citizens Advice is urging the Financial Conduct Authority to take action now to help people

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Citizens Advice welcomes Work and Pensions Select Committee’s call to cut wait for first Universal Credit payment

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Thursday 2nd November 2017 Citizens Advice has responded to the Work and Pensions Select Committee’s report calling for the waiting time for Universal Credit to be cut from six weeks to a month. Last month the charity published research which shows some people are pushed into financial difficulty as they wait for their first Universal Credit payment. Citizens Advice

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