The Counselling & Managing Personal Debt - Level 2 Course is designed for people who work in or intend to work in the field of personal debt counselling or wish to provide advice and guidance on solving debt problems or wish to manage their own personal finance situation more effectively.

On completion of this course students will have gained:

  • An overview of debt counselling

  • An awareness of the personal attributes required in debt counselling

  • An appreciation the communication skills required in debt counselling

  • An understanding of the debt resolution process

  • A grasp of the issues involved in dealing with creditors

On successful completion of this course students will receive an accredited Level 2 Certificate of Achievement.

The course is split into the following units:

  • Unit One –An Overview of Debt

The following topics are covered: Causes of debt (Individual Circumstances, Economic Reasons and Other Causes of Debt); Types of borrowing; Creditor’s rights (Non-Court Actions and Court Actions); Office of Fair Trading debt collection guidance; and how long can a creditor pursue a debt for?

  • Unit Two –Counselling Those in Debt

The following topics are covered: What is counselling?; The role of the counsellor; Values of counselling; Personal qualities; Communication skills; The counselling process (The physical environment and The five stages of counselling); and Personal development.

  • Unit Three –Gathering Financial Information

The following topics are covered: Analysing current financial circumstances; Contacting all creditors; Deciding priorities; and Preparing a financial statement.

  • Unit Four –How to Maximize Income & Reduce Expenditure

The following topics are covered: Maximising income; and Reviewing expenditure.

  • Unit Five –How to Negotiate with Creditors

The following topics are covered: Negotiating with priority creditors (Dealing with arrears in: Mortgages; Rent; Council Tax; Maintenance/Child support and Income Tax); Negotiating with secondary creditors (Dealing direct with creditors; Loan Consolidation; Debt Management Companies; Administration Orders and Individual Voluntary Arrangements – IVAs); Options available to those with no surplus money to pay creditors (Asking for debts to be written off; Debt Relief Order and Bankruptcy); and Conclusions.

  • Unit Six –Appendices

The following topics are covered: Useful websites; Credit references; and Useful addresses.

Prerequisites:

There are no particular entry requirements.

Course Duration & Support:

Students may register at any time and have a full year to complete their studies. You also have access to a personal tutor by mail or email for a 12 month period. As the course is self study you can complete in as little or as long a time as you prefer.

Assessment:

You will be assessed on coursework which is detailed in the course materials. Coursework consists of a series of word processed or written assignments, which are submitted to and then marked by your course tutor.

Certification:

At the end of this course successful learners will receive a Certificate of Achievement from ABC Awards and Certa Awards and a Learner Unit Summary (which lists the components the learner has completed as part of the course).

The course has been endorsed under the ABC Awards and Certa Awards Quality Licence Scheme. This means that Kendal Publishing has undergone an external quality check to ensure that the organisation and the courses it offers, meet defined quality criteria. The completion of this course alone does not lead to a regulated qualification* but may be used as evidence of knowledge and skills gained.

The Learner Unit Summary may be used as evidence towards Recognition of Prior Learning if you wish to progress your studies in this subject. To this end the learning outcomes of the course have been benchmarked at Level 2 against level descriptors published by Ofqual, to indicate the depth of study and level of demand/complexity involved in successful completion by the learner.

Information on level descriptors can be found on the Ofqual's level descriptors page.

The course itself has been designed by Kendal Publishing to meet specific learners’ and/or employers’ requirements which cannot be satisfied through current regulated qualifications. ABC Awards & Certa Awards endorsement involves robust and rigorous quality audits by external auditors to ensure quality is continually met. A review of courses is carried out as part of the endorsement process.

ABC Awards and Certa Awards have long-established reputations for providing high quality vocational qualifications across a wide range of industries. ABC Awards and Certa Awards combine over 180 years of expertise combined with a responsive, flexible and innovative approach to the needs of our customers.

Renowned for excellent customer service, and quality standards, ABC Awards and Certa Awards also offer regulated qualifications for all ages and abilities post-14; all are developed with the support of relevant stakeholders to ensure that they meet the needs and standards of employers across the UK.

*Regulated qualification refers to those qualifications that are regulated by Ofqual / CCEA / Qualification Wales

View Testimonials
Submit a Testimonial