Resources

These resources are designed to help you learn more about the different needs of people with disabilities, plus pointers on how you can tailor to support them.

Please note: It’s not possible to cover all disabilities in this toolkit. We’ve focused on the type of disabilities that Capitalise advisers have told us they need more help to support.

Mental Health

Advising clients with mental health conditions
In these videos, Michael Ramone, Specialist Trainer in Mental Health and Debt shares tips on providing debt advice to people with mental health conditions. With a decade of experience in the field of debt Michael started as a front line specialist debt adviser before providing casework, information and training at Rethink Mental Illness. Michael recently led an Innovation Grants programme at the Money Advice Trust giving funding and supporting projects working with some of the most hard to reach groups in the UK

Video 1

Providing debt advice to clients with mental health conditions.

In this introductory video, Mike Ramone, Debt and Mental Health Professional explores;

What is mental health?
What are mental health conditions and how can they affect people’s financial health?
Is mental capacity the same as mental illness?
Is there a connection between mental health and debt?

Please also read the PDF resource:
Providing debt advice to clients with mental health conditions.. It contains reminders of the key points from the video, as well as links to further information.

Video 2

Talking to clients about mental illness.

In the second video of the series, Mike Ramone, Debt and Mental Health Professional helps advisers consider;

How they know if a client has a mental illness.
How they can raise the subject.
What they need to know about their client’s condition.

Please also read the PDF resource:
Talking to clients about mental illness . It contains reminders of the key points from the video, as well as links to further information.

Video 3

Giving advice to clients with mental illness.

In the final video of the series, Mike Ramone, Debt and Mental Health Professional asks;

When do creditors need to know about a client’s mental illness?
What can creditors do to help their customers who have mental illness and debt?

Please also read the PDF resource:
Giving advice to clients with mental illness.
It contains reminders of the key points from the video.

Resources to give to clients

Easy Read Materials for Debt Advice
These easy read materials have been created to prepare people with learning disabilities or cognition difficulties* for the debt advice process. You can share them with people who come into your agency or why not email a copy to relevant organisations who refer this client group to you?

Resources for advisors

Communication Tips infographic
This short guide includes tips on communicating with clients who have speech difficulties, learning disabilities, visual impairments, or are blind.

Providing debt advice to clients who are Deaf or are hard of hearing.
This guide includes details of the Action on Hearing Loss service provided for the Capitalise Debt Advice Partnership via funding from the Money Advice Service.
It also includes tips for working with a client who is using a BSL interpreter and common misunderstandings about BSL users.

CFS for clients with disabilities infographic
When using the Common Financial Statement (CFS) to complete a personal budget for clients with disabilities, it’s important to ensure you’ve included and explained any additional expenditure related to their disability, especially if their expenditure exceeds the trigger figures. This guide highlights potential additional expenditure and how it should be recorded on the CFS

More resources will be added as they become available

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