England & Wales training topics
Our e-learning and classroom courses cover the essentials you need to help your clients manage their debts.
Which courses are suitable for me?
- Generalist level training is designed to give new advisers an understanding of the basic principles of money advice.
- Caseworker level training aims to develop the skills and knowledge of ‘generalist’ money advisers. It will assist money advisers to deal with the majority of debt problems that they may encounter.
- Specialist level training helps advisers deal with more complex cases.
What topics does Wiseradviser training cover?
Introduction to Debt Advice
New to money advice? This course will give you the foundations of money advice. It includes how to categorise debts, complete comprehensive budgets, maximise a client’s income, basic signposting and the key actions and implications involved in the money advice process.
Good Practice: Providing High Quality Debt Advice
Designed to help advisers to provide high quality, effective and measurable debt advice, this course provides an opportunity to explore key aspects of good practice including: case management, referrals and quality frameworks, support and supervision.
Getting to Grips with Your Personal Caseload
The learning looks at why and how a good case record should be created, reviewed, progressed and kept confidential.
Giving Effective Email Advice
This training looks at the advantages and disadvantages of email advice, constructing responses and how to competently deal with difficult emails. It considers how working with potentially limited information can still generate a positive impact with clients.
Giving Effective Telephone Advice
This practical session will help you develop your telephone technique. Key topics covered are the differences between telephone and face-to-face delivery methods, communication skills, call control and development, dealing with difficult calls, call structure and adviser support.
Selecting Appropriate Advice Methods and Tools
To meet client needs, more and more agencies are reshaping the way in which they deliver advice. This online course explores what blended delivery is and why there is a need for it, using case studies to highlight its use in practice.
Parking Penalties: The Essentials
This course will help you to understand the Penalty Charge Notice(PCN) procedure, in order to appropriately advise clients. It also covers the informal and formal options available to challenge a PCN.
Credit Referencing: The Essentials
Learn what a credit reference file is and the information it contains. Find out how to advise clients who have been victims of credit fraud, have been turned down for credit or wish to improve their credit rating.
Introduction to Student Loans
A look at the types of student loans you may come across, and what to do if a client has arrears. It also touches on advising current students on additional financial help
Consumer Credit Act: the Basics
This course aims to give you a basic understanding of the Consumer Credit Act (CCA): why it was introduced, what it covers, the definition of credit and other relevant terms.
Consumer Credit Act: Checking the Agreement
Understand the legal protection the Consumer Credit Act gives the borrower of a regulated credit agreement, if the agreement is ‘improperly executed’.
Consumer Credit Act: Unfair Relationships Provisions
This course introduces you to the unfair relationships provisions. These allow a borrower to challenge a loan agreement or any related agreement which could create an ‘unfair relationship’ between them and the lender. You’ll also see the options open to a borrower if they feel an agreement is unfair.
Consumer Credit Act: Lender Obligations (Post contract)
This course aims to give you a general understanding of a lender’s obligations to a borrower under the Consumer Credit Act (CCA), and a borrower’s options should they fall into arrears.
Consumer Credit Act: Hire Purchase, Bills of Sale and Car Finance Agreements
Learn about different ways to finance buying a car and key facts about the different types of agreement, including how to advise, your client’s rights and where to find out more.
Consumer Credit Act: Time Orders
Learn about the Time Orders provisions for debts which are regulated by the Consumer Credit Act 1974 (CCA). This course aims to give you a basic understanding of the Time Orders provisions for debts which are regulated by the Consumer Credit Act 1974 (CCA).
Understanding and Supporting Clients in Vulnerable Circumstances
This course looks at what vulnerability is and introduces ways to identify, safeguard and support clients in vulnerable circumstances.
Standard Financial Statement: Advisers
This course introduces you to the Standard Financial Statement (SFS) and how to use it with your clients when giving them debt advice. It is suitable for advisers of all levels of experience and takes less than an hour to complete..
CASHflow: How to Use the Tool Effectively
Our CASHflow resources are designed to help you to understand how to use CASHflow to support your clients. You can use them on their own or in combination with MAT’s dedicated training website for CASHflow.
Debts in the County Court: a Detailed Overview
An essential course for Caseworker level advisers, this provides a detailed insight into County Court and High Court procedures. As you go through the online modules you will learn how to handle day to day situations with clients, and become familiar with common forms and terms that are used. By the end of the course you will be able to assist the client in responding to County Court Judgments and enforcement proceedings. After this course you can enhance your skills by attending our Debts in the County Court Practitioners Workshop.
What are the Insolvency Options?
To give holistic advice to clients, advisers need to know about a range of insolvency options: Administration Orders, Individual Voluntary Arrangements (IVAs), Bankruptcy and Debt Relief Orders (DROs). This course has sections on understanding and practicing each of these topics so you can learn or revise what you need to know. You can attend the Insolvency Options Workshop after completing this course which is a practical day designed to build on knowledge gained from the online learning. Advisers wishing to be approved intermediaries need to pass assessments within this course, before attending the Debt Relief Orders Workshop.
Advising Clients with Utility Debts
Want to build your confidence in helping your clients with utility arrears? This course looks at the options available for dealing with them, including links to schemes that can help. This bite-sized online course covers three key topics: water, electricity and gas.
Payday Loans: The Facts
In the current climate advisers are increasingly finding that their clients have debts from payday loans. This online module will help you deal with common problems encountered and know how best to advise a client. It also covers the background of payday loans, including current social issues and how they are regulated.
Recovering Financial Penalties in the Magistrates’ Court
This course aims to empower advisers with the skills and knowledge to get more involved in Magistrates’ Court action and understand how this can help avoid clients being committed to prison. It is a practical day with interactive exercises which will leave you with confidence in supporting clients faced with Magistrates’ Court action and financial penalties.
Council Tax: Liability and Enforcement
Making sure that clients are accessing all the support available to them is an essential part of a money adviser’s role. This course will enable you to assist the client in accessing schemes to reduce their bill as much as possible. The course also covers billing, liability order and enforcement procedures and spends a short time looking at the rights and duties of bailiffs when collecting Council Tax debt.
Mental Health: Good Practice for Debt Advisers
To assist clients with mental health problems to gain control of their debts advisers need a particular set of skills and knowledge. After attending this course you will understand mental health problems clients may have and how this may affect their ability to deal with their debts. You will be aware of the MALG Mental Health Guidelines and know how to apply them to negotiate with creditors.
Negotiation and Communication: Strategies and Tactics
This course focuses on identifying the different tactics required for negotiation and how to put these into practice. It’s designed to provide you with tips and strategies for successful negotiating in any situation. It is highly participative with exercises and discussions.
Introduction to Clients in Rented Housing
This short online course aims to help you identify a client’s housing status, determine the rights of a client in rent arrears, identify the different grounds for possession by landlords and recognise some of the court notices in a typical rent arrears case. This is pre-course learning for the Rent Arrears face-to-face course but can also be completed as a stand-alone module.
Rent Arrears: Your Client’s Status, Rights and Options
Following on from the Rent Arrears online module, attending this day will enable you to assist clients to select strategies for dealing with rent arrears prior to possession proceedings.
Tailoring Advice: Strategies and Options for Dealing with Debt
There are many codes of practice, guidelines, and tried and tested strategies which enhance casework. This course will support you in working with clients to develop and implement a strategy and framework for the management of their case in a way which is consistent with the OFT’s Guidance to Debt Management Companies.
Mortgage Arrears: Before Possession Action
This course will enable you to identify the main options for dealing with mortgage arrears prior to possession action being taken by lenders. It guides you through County Court possession procedures and through all the relevant court forms to familiarise yourselves with the information necessary to gain the appropriate court order. It also looks at the most important legislation and case law relevant to possession.
Mortgage Possession Proceedings: Helping or Representing Clients Facing County Court Action
The aim of this course is to enable advisers to feel confident to represent clients in undefended mortgage possession proceedings in the County Courts. Interactive activities give you the opportunity to practice in a friendly setting. Trainees are required to have attended the Wiseradviser Dealing with Mortgage Arrears course before attending this course.
Debts in the County Court: Putting it into Practice
Following on from the Debts in the County Court online course, this discussion based, practical day will develop your core tactical knowledge and skills to help clients deal with straightforward undefended county court cases.
Insolvency Options: Putting it Into Practice
The Insolvency online learning course provides foundation knowledge of the different options and this course helps advisers to develop their skills in putting this into practice. The course will build on advisers’ ability to recognise statutory demands and creditors petitions and be aware of the client’s options for dealing with them.
Debt Relief Orders: Approved Intermediaries
Advisers who wish to become Approved Intermediaries for DROs can attend this workshop after completing the Insolvency online course. In this practical day you will review a case study and explore the role of the intermediary in more detail. For more information about the application process to be an Approved Intermediary, contact the appropriate Competent Authority.
Defending Money Claims in the County Court
Experienced advisers will benefit from this course by learning how to establish whether the client has an arguable defence to a claim, and will look at catalogue debts in particular. It also clarifies the limits to an adviser’s involvement and making appropriate referrals.
Business Debts: Self-Employed Clients and Directors of Limited Companies
As in many areas of money advice it is vital that advisers understand some key points before advising on Business Debts. This two day course will enable you to advise and assist individuals with business debts when they have ceased trading and to make appropriate referrals where they continue to trade. Its main focus is on sole traders without employees, although some of the law and principles equally apply to other types of business.
Skills for Effective Advocacy
This course covers the key skills used in effective advocacy, and provides an opportunity to practice and improve those skills. This course will look closely at the expectations of clients and of ourselves in the role of advocates, and is designed to enhance the skills of advisers representing debt clients in legal proceedings.
Time Limits for Recovering Debts through the Courts
In addition to considering the provisions of the Limitation Act itself, this course focuses on two main topics relating to money advice and the Act: credit debts and mortgage shortfall debts. The course aims to describe the relevance of limitation periods in money advice casework. It will inform you about how to pursue limitation issues with creditors and how to use statute and case law in support of limitation arguments.
Time Orders can be an effective method of gaining extra time to pay an agreement regulated by the Consumer Credit Act. This course enables specialist level advisers to identify when a Time Order is appropriate. It looks in detail at the powers of the court to grant Time Orders, and the arguments to support the making of such Orders. They can also be used to freeze interest and charges where perhaps a creditor has refused.
The Essentials! Financial Conduct Authority and Consumer Credit
A quick e-learning module which explains the changes to consumer credit regulation following its move from the Office of Fair Trading to the Financial Conduct Authority.
Introducing the Financial Conduct Authority
This course provides an overview of recent Financial Conduct Authority (FCA) research and changes. We’ll look at the FCA’s impact, and how to advise clients on some of these changes and findings.
Taking Control of Goods: Changes to Bailiff Law April 2014
Do you know how the April 2014 regulations impact on your advice? Understand the crucial details you need to know about these important changes.
Debts in the High Court
In this course we look at when and how the High Court may be used by creditors to enforce money judgments. It
is aimed at advisers who have completed the Debts in the County Court Learning Pathway, or who have a working knowledge of the county court system.
Introduction to the Welfare Reform Act: Universal Credit and Personal Independence Payments
Reforms introduced in 2013 impacted hugely on money advice. This course aims to give you an overview of the key changes as well as links to sources of further information and training. It can benefit new and experienced advisers as the first stage in the Welfare Reforms training process; or as a recap/refresher if previous training has been received.
Calculating Universal Credit
This course looks at the four steps to take to calculate someone’s entitlement. It covers how to identify the elements of Universal Credit a client will be entitled to; the impact of any income on their entitlement; their total entitlement and if the benefit cap applies (and what this will be).
What is the Consumer Credit Act?
Understanding the Consumer Credit Act legislation is very important to money advisers because it sets out the requirements with which creditors must comply. This course and the resources that accompany it provide a comprehensive guide to the Consumer Credit Act and a valuable on the job aid.
Boost Your Own Development
This professional development module aims to help you to maximise your effectiveness by making the most of learning and development opportunities. It covers the different Honey and Mumford learning styles, VARK learning preferences, and will give you lots of ideas for different learning strategies and resources for money advisers.
On Demand training
No suitable dates or locations? If you have a group of advisers who need training, either at one organisation or within several in your local area, you can apply for free training on a Wiseradviser topic of your choice to be held at your workplace or run in a local venue. All advisers attending the training must be part of a Wiseradviser member organisation.
The courses will be added to our website and we will make any spare places available to other advisers to book online.
To apply for On Demand training, please log on to the Wiseradviser website to download an application form.