Independent financial advice and consumer guidance

Things to consider when choosing care services or products 

Check the provider’s credentials

• look for a website and check if they have any quality standards or accreditations

• if you’re hiring a gardener, electrician, or home maintenance service, ask for proof of qualifications and professional registration

Review costs and terms before committing

• contact the provider and ask about costs, contracts, terms and conditions, and their complaints procedures
• shop around – compare multiple providers to ensure you're getting the best service at a fair price
• ask about discounts or promotions they may offer

Verify home care providers

• ask the provider to send you their latest inspection report, or check their rating with the Care Quality Commission

Get support from others

• word of mouth can be valuable – ask family, friends, or neighbours for recommendations
• make a list of what you need and ensure the provider can meet your expectations
• ask a trusted friend or relative to assist you in making a decision

Avoid scams and unfair contracts

• do not pay upfront before receiving a service
• never give out bank details or sign an agreement unless you're fully satisfied with the terms

Resources for financial advice and consumer rights 

Independent financial advice

• Citizens Advice – free, impartial advice on managing money, benefits, and consumer rights
• Society of Later Life Advisers – specialists in financial advice for older people
• NHS Choices – paying for care – a guide to social care funding

Budgeting and debt support

• Moneyhelper budget planner – a free tool to help manage your finances
• Stepchange debt advice – support for managing debt

Managing someone else’s finances

• gov.uk – managing money for others – guidance on acting as a power of attorney

Pensions and benefits

• Pensions Advisory Service – free pension guidance
• gov.uk - benefits checker - see what benefits you’re entitled to

Sensible shopping and consumer rights

• Moneysavingexpert shopping tips – how to shop smarter and save money
• Lewisham Council trading standards – check business legitimacy and report concerns
• report a loan shark – protect yourself from illegal lenders

Need further support? 

If you can’t find what you’re looking for or are concerned about someone's financial safety, please contact us.

Adult Social Care, London Borough Of Lewisham, Second Floor, Laurence House, 1 Catford Road, London SE6 4RU. Telephone 020 8314 7777. Email gateway@lewisham.gov.uk.