wbivc‡` UvKv cvVv‡bv

moneyadviceservice.org.uk� 1

We try to ensure that the information and advice in this guide is correct at time of print. For up-to-date information and money advice please visit our website – moneyadviceservice.org.uk.

dvBbvwÝqvj mvwf©‡mm A_wiwU(GdGmG¨v)n‡”Q BD‡Ki A_©‰bwZK cwi‡levmg~‡ni wbqš¿K Ges †hme cÖwZôvb MÖvnK‡`i c‡¶ UvKvcqmv cvVvq Zviv †mme cÖwZôv‡bi Rb¨ ̀ vqx|

Avcbvi Rb¨ Gi gv‡b Kx n‡e GB cÖwZôvb¸‡jv‡K Aek¨B wKfv‡e MÖvnK‡`i mv‡_ AvPiY Ki‡Z n‡e Ges Avcbvi UvKvcqmv i¶v Ki‡Z n‡e †m e¨vcv‡i GdGmG bxwZgvjv cÖbqY K‡i‡Q| Gme cÖwZôvb Ab¨vb¨ †hme cwi‡lev cÖ̀ vb K‡i †hgb we‡`‡kx UvKvcqmvi wewbgq(d‡ib G·‡Pb&R) ‡m¸‡jvi Rb¨ GdGmG ̀ vqx bq|

bx‡Pi civgk©̧ ‡jv Avcbvi UvKvcqmv hv‡Z wbivc` _v‡K Ges ‡hb mwVK RvqMvq †cuŠQvq ‡mwU wbwðZ Ki‡Z mvnvh¨ Ki‡e|

cÖwZôvbwU‡K hvPvB Ki“b BD‡Ki †hme e¨emv-cÖwZôvb Zv‡`i MÖvnK‡`i n‡q UvKvcqmv cvVvq Zv‡`i cÖ‡Z¨K‡K Aek¨B GdGmG-Gi KvQ †_‡K Õ†c‡g›U Bbw÷wUDkbÕ (UvKv Av`vbcÖ̀ v‡bi cÖwZôvb) wn‡m‡e Aby‡gvw`Z n‡Z n‡e A_ev wbewÜZ n‡Z n‡e| Zviv hw` G¨v‡R›U(cÖwZwbwa) e¨envi K‡i GdGmG †K Zv‡`i we —̄vwiZI w`‡Z n‡e|

e„nËi cÖwZôvbmg~n‡K Aek¨B GdGmG KZ©„K Aby‡gvw`Z n‡Z n‡e| AwaKZi †QvU cÖwZôvbmg~n Aby‡gvw`Z bv n‡q wbewÜZ nIqv †e‡Q wb‡Z cv‡i|

Aby‡gvw`ZGi gv‡b n‡”Q GdGmG cix¶v K‡i †`L‡e †h cÖwZôvbwU:

■ h_vhZfv‡e msMwVZ Ges Dchy³ ‡jvKRb Øviv GwU cwiPvwjZ n‡”Q hviv Avw_©K Aciv‡ai Kvi‡Y ‡`vlx mve¨ —̄ nqwb

■ Gi †cQ‡b A‡bK UvKvcqmv i‡q‡Q, Ges

■ GwU hw` eo ai‡Yi †Kvb Avw_©K msK‡U c‡o Zvn‡j MÖvnK‡`i UvKvcqmv i¶vi Rb¨ hvqMvgZ h_vhZ e¨e ’̄v Av‡Q| GwU Õ‡mBdMvwW©sÕ e‡j cwiwPZ (bx‡P †`Lyb)|

Zviv hw` cªwZwbwa e¨envi K‡i Zvn‡j GdGmG¨v Zv‡`i‡KI cix¶v Ki‡e|

wbewÜZGi gv‡b n‡”Q GdGmG ‡KejgvÎ G¸‡jv cix¶v Ki‡e:

■ hviv cwiPvjbv Ki‡Qb Zviv ‡KD Avw_©K †Kvb Aciv‡ai Rb¨ †`vlx mve¨¯— nbwb

■ GwU BD‡K‡Z Aew¯’Z, Ges

■ GwU hw` MÖvnK‡`i UvKvcqmv myiw¶Z(†mBdMvW©) Ki‡Z Pvq Zvn‡j Zviv †mwU wKfv‡e Ki‡e|

GwU cÖwZôv‡bi ‡Kvb cÖwZwbwa‡K cix¶v K‡ibv|

GB e¨w³wU wK Avcwb?Avcwb †Kv‡bv e¨w³‡K A_ev †Kv‡bv e¨emv cÖwZôvb‡K UvKv cvVv‡”Qb, Ges

■ Avcwb GKwU cÖwZôvb e¨envi Ki‡Qb †hwU e¨vsK A_ev wewìs †mvmvBwU bq|

hw` ZvB nq, Z‡e GB cÖPvicÎwU e¨vL¨v Ki‡e: ■ Kx Kx Z_¨ GB cÖwZôvb †_‡K Avcbv‡K †`qv DwPZ

■ Avcbvi UvKv hv‡Z wbivc‡` ‡cŠu‡Q Zv wbwðZ Ki‡Z Avcbv‡K Kx Kx cix¶v Ki‡Z n‡e, Ges

■ hw` †Kv‡bv MÛ‡Mvj nq Zvn‡j Avcbvi Kx Kx AwaKvi i‡q‡Q|

Avcwb hw` e¨vsK A_ev †Kvb wewìs ‡mvmvBwUi gva¨‡g UvKvcqmv cvVv‡Z Pvb, Zvn‡j Av‡iv Z‡_¨i Rb¨ Avgv‡`i BIi e¨vsK G¨vKvD›U (Avcbvi e¨vsK G¨vKvD›U) bv‡gi wb‡ ©̀wkKvwU †`Lyb|

2� moneyadviceservice.org.uk� 3

Avcbvi UvKvcqmv myiw¶Z ivLv†Kvb Aby‡gvw`Z cÖwZôvb‡K Aek¨B cÖwZôv‡bi UvKvcqmv †_‡K Avcbvi UvKvcqmv c„_Kfv‡e ivL‡Z n‡e| myZivs, hw` GwU Avw_©K msK‡U c‡o, Avcbvi UvKvcqmv wbivc‡` _vK‡e Ges cÖwZôvbwU hw` ¶wZMª̄ ’ nq Zvn‡j Avcbvi UvKvcqmv Avcbv‡K †diZ †`Iqv n‡e|

‡Kvb wbewÜZ cÖwZôvb‡K Avcbvi UvKvcqmv myiw¶Z ivL‡Z n‡ebv, wKš‘ Zviv ‡mwU Ki‡Z PvB‡Z cv‡i|

Kx Kx cix¶v Ki‡Z n‡ecÖwZôvbwU wK Aby‡gvw`Z bv wbewÜZ? Avcbv‡K GdGmG Gi ‡iwR÷vi cix¶v K‡i †`L‡Z n‡e www.fsa.gov.uk/register/psdFirmSearchForm.do –Ges nq cÖwZôv‡bi(A_ev cÖwZwbwai) bvg w`‡q bv nq wbeÜb bv¤̂vi ‡hwU Zv‡`i KvMRc‡Î _vKv DwPZ †mwU w`‡q Luy‡R †`Lyb|

A_ev Avcwb 0845 606 1234 bv¤̂v‡i GdGmG †K †dvb Ki‡Z cv‡ib|

Gi bvg hw` GdGmG Gi ‡iwR÷v‡i bv _v‡K Zvn‡j Kx n‡e? GwU ̀ ywU Kvi‡Yi †h‡Kvb GKwUi Rb¨ n‡Z cv‡i, nq:

■ GwU A‰eafv‡e Pj‡Q myZivs Avcwb GwU e¨envi Ki‡eb bv, bq‡Zv

■ GwU nq‡Zv BD‡ivcxqvb BDwbq‡bi(BBD) Ab¨ †Kvb †`‡k Aby‡gvw`Z n‡Z cv‡i| Zv‡`i KvMRc‡Î GwUi e¨vL¨v _vKv DwPZ| †m †`‡ki wbqš¿K GdGmG- i g‡ZvB Gi Dci cix¶v Ki‡e|

GdGmG †K 0845 606 1234�bv¤̂v‡i †dvb K‡i †`Lyb GwU Ab¨‡Kvb BBD †`‡k Aby‡gvw`Z wKbv|

Avcbvi UvKvcqmv wK wbivc`? cÖwZôvbwU hw` Aby‡gvw`Z nq Zvn‡j cÖwZôvbwU‡K Aek¨B Avcbvi UvKvcqmv myiw¶Z ivLv wbwðZ Ki‡Z n‡e|

GwU hw` wbewÜZ nq Zvn‡j Zviv wVK Ki‡Z cvi‡e Avcbvi UvKvcqmv myiw¶Z ivLv n‡e wKbv|

GdGmG ‡K 0845 606 1234�bv¤̂v‡i †dvb K‡i ‡R‡b wbb

‡hme Z_¨ me cÖwZôv‡bi DwPZ Avcbv‡K cÖ̀ vb KivUvKv w`‡Z ivRx nIqvi Av‡M †R‡b wb‡eb:

■ UvKv cvVv‡Z Avcbvi KZ LiP n‡e

■ †h nv‡i UvKv Av`vbcÖ`vb Kiv n‡e Zvi GKwU aviYv

■ Avcwb †h e¨w³ ev e¨emv cÖwZôvb‡K UvKvcqmv cvVv‡”Qb Zviv wKfv‡e Ges KLb GwU cv‡eb, Ges

■ hw` m¤¢e nq ‡jb‡`bwU evwZj Kiv hv‡e wKbv, wKfv‡e †mwU Kiv hv‡e Ges Zvi Rb¨ KZ LiP n‡e|

Avcwb UvKvcqmv n¯—vš—i Kivi ci cÖwZôvbwUi DwPZ Avcbv‡K ‡`Iqv(wjwLZfv‡e):

■ ‡jb‡`‡bi Rb¨ GKwU †idv‡iÝ, Ges

■ LiP KZ n‡q‡Q Zv wbw`©ó K‡i ejv, Av`vbcÖ̀ v‡bi nvi Ges KLb UvKvwU †mLv‡b ‡cuŠQ‡e †m e¨vcv‡i wjwLZ ‡`qv|

‡h e¨w³ ev e¨emv‡K Avcwb UvKv cvVv‡”Qb ‡m Qvov GB Z_¨ Ab¨ KvD‡K w`‡eb bv| cÖZvi‡Kiv A‡bK mgq Gme Z_¨ msMÖn K‡i Avmj e¨w³ ev e¨emvi Av‡M A_© msMÖn Kivi †Póv K‡i|

‡KvbiKg MÛ‡Mvj n‡j Kx Ki‡Z n‡eAvcwb †h cwi‡lev †c‡q‡Qb †m wel‡q Avcbvi hw` †Kvb Awf‡hvM _v‡K Zvn‡j †m mgm¨v mgvavb Kivi my‡hvM ‡`Iqvi Rb¨ cÖ_‡gB Avcbvi DwPZ †m cÖwZôv‡bi mv‡_ †hvMv‡hvM Kiv|

Zv‡`i‡K Aek¨B Avcbvi Awf‡hvMwU Z`š— K‡i †`L‡Z n‡e Ges AvU mvßv‡ni g‡a¨ GKwU P~ovš— Reve w`‡Z n‡e A_ev Zv‡`i‡K Rvbv‡Z n‡e †h †Kb Zviv †Kvb P~ovš— Reve w`‡Z cvi‡Qbv| Gi g‡a¨ Zv‡`i‡K Aek¨B Z`‡š—i AMªMwZ m¤ú‡K© Avcbv‡K ÁvZ ivL‡Z n‡e|

Avcwb hw` Zv‡`i Rev‡e mš‘ó bv nb Zvn‡j Avcwb Avcbvi Awf‡hvM dvBbvwÝqvj IgevWmg¨vb mvwf©‡mi(Avw_©K b¨vqcvj cwi‡lev) Kv‡Q wb‡q †h‡Z cv‡ib| ‡mB cÖwZôvbwUi DwPZ GB webvg~‡j¨i cwi‡levwUi we —̄vwiZ Avcbv‡K †`Iqv, A_ev 0300 123 9123 bv¤̂v‡i Avcwb †dvb A_ev www.financial-ombudsman.org.uk I‡qemvBUwU †`L‡Z cv‡ib|

dvBbvwÝqvj IgevWmg¨vb mvwf©m n‡”Q GKwU wbi‡c¶ ms ’̄v Ges cÖwZôvbwU wKfv‡e Avcbvi Awf‡hvMwU wb‡q KvR K‡i‡Q †mwU Z`š— Ki‡e|

Zviv hw` wm×vš— †bq †h cÖwZôvbwU Ab¨vh¨fv‡e KvR K‡i‡Q Ges Avcbvi UvKvcqmv †Lvqv ‡M‡Q Zvn‡j †Kvb MÛ‡Mvj bv n‡q _vK‡j Avcwb †h Ae ’̄vq _vK‡Zb †mB Ae ’̄vq Avcbv‡K wdwi‡q wb‡Z Zviv Av‡`k w`‡Z cv‡ib|

cÖ‡qvRbxq †hvMv‡hvMMoney Advice Service gvwb G¨vWfvBm mvwf©mAvcbvi e¨w³MZ Ae ’̄vi Dci wfwË K‡i Dc‡`k A_ev Ab¨vb¨ wb‡ ©̀wkKvi Rb¨ Aby‡iv‡ai Rb¨

gvwb G¨vWfvBm jvBb: 0300 500 5000UvBcUK: 1800 1 0300 500 5000moneyadviceservice.org.uk

mgMÖ BD‡K‡Z ‡Uwj‡dv‡b K_v ej‡Z 01 Ges 02 bv¤̂v‡ii †P‡q †ekx e¨q n‡ebv Ges G¸‡jv ‡Kvb AwZwi³ e¨q QvovB †gvevBj A_ev j¨vÛjvB‡bi mv‡_ Aš—fy©³| cwi‡lev Ae¨vnZ Ges DbœZ Ki‡Z Avgv‡`i‡K mvnvh¨ Kivi Rb¨ Avgiv Avcbvi Kj¸‡jv‡K †iKW© A_ev ch©v‡jvPbv Ki‡Z cvwi|

Avcwb hw` GB cÖPvicÎwU †eªB‡j, eo AvKv‡i A_ev Kv‡b †kvbv hv‡e GiKg AvKv‡i Pvb Zvn‡j AbyMÖn K‡i Avgv‡`i‡K †dvb Ki“b|

Ab¨vb¨ gvwb G¨vWfvBm mvwf©m wb‡`©wkKv

■ Your bank account

■ Making the most of your money

GB cÖPvicÎwU AbjvB‡b Aviwe, evsjv, †dªÂ, wnw›`, †cvwjk, c©ZzMxR, †¯úbxk, D©̀ y Ges I‡qjk fvlvq Av‡Q|

Avgv‡`i bZzb AbjvBb ̄ ^v¯’¨ cix¶vwU ‡`Lyb| wKQy †mvRvmvÞv cÖ‡kœi DËi w`b Ges mnRfv‡e †g‡b Pjv hv‡e Gai‡Yi GKwU e¨w³MZ Kg©-cwiKíbv cv‡eb hvi g‡a¨ wZbwU wRwbl Avcwb GLbB Ki‡Z cvi‡eb Ges Avcbvi `xN©‡gqv`x cwiKíbvq mvnvh¨ Ki‡e|

moneyadviceservice.org.uk/healthcheck

†g 2011 © Money Advice Service May 2011 Ref: VRSN0015aBe