| Personal Finance Handbook
This edition is completely revised and updated since the first (2005) edition. It has new and expanded information on child trust funds, online banking, pension scheme changes, pre-payment cards and mobile phone payments, the expanding range of services from credit unions, new Shariah-compliant products, and Christmas saving schemes. It also covers forthcoming changes to tax, National Insurance and student grants. See a full list of changes in the second edition [36KB Word document]. The Personal Finance Handbook is for you if you are:
This guide is geared to the needs of general advisers and trainers. It is not for registered financial advisers; neither is it primarily aimed at the consumer (although many individuals will find it useful). The Personal Finance Handbook is published with SAFE (Services Against Financial Exclusion) at Toynbee Hall. Author Jonquil Lowe is a former head of the Money Group at Consumers’ Association and the author of numerous Which? Consumer Guides. 'This book is an invaluable aid to the debt adviser … (its) use by frontline workers in welfare benefit offices, housing associations and community groups will help them to encourage and promote financial education and capability ... This in turn will help to reduce the growing problem of unmanageable debt that we are seeing here in the capital and throughout the country.' Money Advice Caseworker, CAPITALISE ‘This 'how to' book is easy to read, understand and use, and is on our recommended reading list for financial literacy courses.’ LONDON METROPOLITAN UNIVERSITY ‘A very comprehensive introduction to personal finance, written in straightforward and easy to understand language. It is essential reading for those working in the areas of financial literacy and financial exclusion, and others who wish to improve financial capability’ THE ADVISER ‘As more and more advisers find themselves asked to provide “generic financial advice” to clients, the handbook will provide an ideal and authoritative resource’ ADVICEUK (MONEY ADVICE UPDATE) October
2007 978 1 906076 01 6 £15.00 Welfare Benefits & Tax Credits Handbook
2008/09
The new Handbook gives you comprehensive coverage of all welfare benefits and tax credits. This fully revised and updated edition includes advance information on the new employment and support allowance (ESA), due to be introduced in October 2008. It also has the latest information on benefit and tax credit overpayments, the right to reside test and the new local housing allowance for housing benefit. There is full coverage of: income support; JSA and work tests; housing benefit; the social fund; incapacity benefit and the personal capability assessment; pensions; benefits for maternity, paternity, adoption, disability, children, retirement etc. Also: administration; contributions and earnings; rules for special groups, including 16/17 year olds, students and people from abroad; backdating; overpayments; fraud; challenging decisions, including appeals. Accessible and
authoritative, the annual Handbook is fully
indexed and cross-referenced to law, regulations and official guidance,
and also to court and commissioners' decisions. Information is fully
cross-referenced between the social security and tax systems. April 2008
978 1 906076 12 2 £36.00 CPAG Comprehensive and Rights
members each receive one copy automatically before publication. CPAG training >> see relevant courses CPAG training in Scotland >> see relevant courses ‘So easy to follow...a godsend. Many of us would be lost without (it)’ A CLAIMANT ‘I have never been informed before on how to apply for benefits in such a simple, constructive way’ A CLAIMANT ‘Excellent’ THE MIRROR ‘The most complete guides to social security benefits’ SUNDAY TIMES ‘The best advice to give lawyers new to welfare rights work is to start with the CPAG benefit handbooks. They set the standard by which work in this field is judged’ THE PUBLIC LAW PROJECT ‘It remains without question the best value in publishing ... The reference manual of choice for professional advisers. Even tribunal chairmen can be seen referring to it in preference to the more technical manuals they are supplied with … All legal aid firms must have this book’ SOLICITORS JOURNAL ‘If you do nothing else, buy these books’ COMMUNITY CARE CPAG's Welfare Benefits & Tax Credits Law Online New online subscription accessed via the internet. Contents include:
Annual subscriptions can start any
time Annual subscription rates to CPAG’s Welfare Benefits and Tax Credits Law Online
CPAG Rights Online and Comprehensive Online members automatically receive an annual subscription to this service Sign
up here for a free one-week trial of CPAG’s Welfare
Benefits and Tax Credits Law Online. CPAG's Welfare Benefits & Tax Credits Online (basic version) New online subscription accessed via the internet. Contains the full text of the Welfare Benefits and Tax Credits Handbook, updated on a rolling basis throughout the year (but without any links to legislation or commissioners’ decisions). Annual subscriptions can start any time. Read more about CPAG's online services Annual subscription rates to CPAG’s Welfare Benefits and Tax Credits Online (basic version):
Benefit claimants may order a single user subscription only for personal use at £8.50 + VAT (total £9.99). Please write in with payment to CPAG (online services), 94 White Lion Street, London N1 9PF. Sign
up here for a free one-week trial of CPAG’s Welfare
Benefits and Tax Credits Law Online. Child Support Handbook 2008/2009
The new Child Support Handbook is fully updated to give clear, practical guidance to the child support scheme as it applies in 2008/2009. The Child Support Handbook covers: the Child Support Agency; interviews and decision making by the BA/Jobcentre Plus; applications; information seeking powers; revisions, supersessions and appeals; maintenance collection and enforcement; the old scheme formula and departures from the formula. There are practical examples, and tactical hints and arguments for use when supporting good cause, review or appeal. Fully indexed and cross-referenced to legislation and case law, and to CPAG’s Welfare Benefits and Tax Credits Handbook. The Child Support Handbook is the standard guide for claimants and other parents affected, solicitors, welfare rights advisers, CABx, social workers, women's groups and children's charities. Autumn
2008 978 1 906076 14 6 £25.00 The 15th edition (2007/08) is still available at £24.00
‘The best thing … is to get a copy of the Child Support Handbook … details of entitlements are clear, accurate and fully explained’ BELLA ‘It is hard to beat the CPAG guide ... it is outstanding value for money. It is clearly written and easy to find your way around ... invaluable for advisers’ NEW LAW JOURNAL ‘Each edition is always better … (it) leaves everything I have seen in its wake’ FAMILY LAW ‘The definitive guide’ THE ADVISER CPAG's Child Support Law Online New online subscription accessed via the internet. Contents include:
Annual subscriptions can start any time. Read more about CPAG's online services Annual subscription rates to CPAG’s Child Support Law Online (with regs and caselaw)
Sign
up here for a free one-week trial of CPAG’s Welfare
Benefits and Tax Credits Law Online. Benefits and Tax Credit Rates Poster 2008/09
The latest annual edition of this colourful wallchart gives you easy access to this year’s benefit and tax credit rates. April 2008 Published by CPAG/Citizens Advice £5.00 Download a pdf version of the 2008/09 Benefits and Tax Credits Rates Poster (168 KB).
Student Support and Benefits Handbook: England, Wales and Northern Ireland 2008/09 6th edition
Like all CPAG handbooks, this is fully indexed and cross-referenced to law and regulations. It also contains useful summary tables and step-by-step guides to assist with calculating benefit entitlement in the light of student income. This handbook is supplied automatically to students’ unions that are affiliated to NUS. October 2008 978 1 906076 18 4 £12.50 The 5th edition (2007/08) is still available at £12.00
CPAG training >> see relevant courses 'The definitive practical guide to student support and benefits - contains all the essential information in a user-friendly format.' LIVERPOOL STUDENTS' UNION ‘An excellent guide to the complex world of student funding that no one who advises students should be without’ ADVICE AND COUNSELLING SERVICE, QUEEN MARY UNIVERSITY OF LONDON Benefits for Students in Scotland Handbook 2008/09 6th edition
The Handbook, which is cross-referenced to the law, contains step-by-step guides to benefit entitlement and a quick guide to grants and loans for further and higher education students in Scotland. It is a time-saving and valuable reference source for advice workers, money advisers, bursary officers, student services officers and student unions. October 2008 978 1 906076 19 1 £12.50 The 5th edition (2007/08) is still available at £12.00 Before placing an order, please note: A free copy of each edition of this book is distributed on publication to further and higher education institutions, NUS-affiliated students’ unions and citizens advice bureaux in Scotland, funded by the Scottish Government, but please use the website order form to order additional copies. The current edition is available free online via this website.
CPAG training in Scotland >> see relevant courses "An indispensable resource for those trying to make some sense of the jigsaw of mismatched pieces that is student funding and benefits" NUS SCOTLAND "A marvellous tool for all student advisers" UNIVERSITY OF STRATHCLYDE STUDENTS' ASSOCIATION
The Welfare Rights Bulletin is the best value in the field, and compulsory reading for any adviser needing the very latest benefits and tax credits information. £30.00 for a full year's subscription (six issues) ISSN 0263 2098 Sent to CPAG Rights/Rights Online and Comprehensive/Comprehensive Online members as well as Bulletin subscribers.
‘Inevitably there are innumerable changes to the myriad of benefits throughout the year. Advisers are easily able to keep up… by subscribing to the modestly priced Welfare Rights Bulletin’ SOLICITORS JOURNAL NEW 1st edition This new CPAG handbook for advisers is a comprehensive guide to benefits and tax credits where children are living apart from their parents, including children in foster or kinship care situations, or being looked after by the local authority, or at residential school or in residential care. Summer 2008 978 1 906076 17 7 £12.00
CPAG training in Scotland >> see relevant courses 8th edition
The Debt Advice Handbook contains all the essential information needed by advisers dealing with debt problems in England and Wales and explains the key stages and issues in money advice. As well as summarising the whole debt advice process, it helps advisers choose the most effective strategies and deal with unacceptable collection practices. This 8th edition is revised and updated to cover changes to legislation, case law and court procedures since the previous edition.The text is fully indexed and cross-referenced to other relevant publications and also to caselaw, the Consumer Credit Act and other legislation, and the Civil Procedure Rules. For money advisers, welfare rights workers, social workers, solicitors, housing officers, consumer advisers, banks, building societies and other financial advisers. Autumn 2008 978 1 906076 21 4 £20.00 The 7th edition (2006) is still available at £18.00
CPAG training >> see relevant courses ‘Aimed principally at counsellors ... but people in debt may also find it a useful self help guide’ THE TIMES ‘As an indebted individual I found the handbook specific, detailed, calming and invaluable’ A READER ‘An essential reference for all who work in debt advice’ CHIEF EXECUTIVE, CITIZENS ADVICE ‘Arguably the most lucid and probably the most definitive on the subject’ CREDIT MANAGEMENT ‘Quite simply, if you give debt advice, you must have this book’ THE ADVISER ‘This book has been needed for a long time…add it to your library’ NEW LAW JOURNAL ‘This book continues to provide welcome support for advisers and consumers. CPAG are to be congratulated on meeting this need’ MONEY ADVICE ASSOCIATION
14th edition
The Fuel Rights Handbook is well established as the standard practical guide to the rights of gas and electricity consumers. It is essential for any adviser helping clients cope with fuel bills, debt and related problems with fuel supply. This 14th edition is fully updated since the previous (2005) edition, with updated case law and extensive new sections on dealing with the settlement of disputed fuel bills, with particular reference to the position of vulnerable households. Cross-referenced to law and regulations, the Fuel Rights Handbook is relied upon by all CABx and by lawyers, consumer advisers, social workers and advice agencies. February/March 2008 (delayed from Autumn 2007) 978 1 906076 05 4 £17.00 ‘So clear and comprehensive that it is difficult to conceive how advice could authoritatively be given on the rights of electricity and gas consumers without its help… If you work in this field and have not already got it, you need it’ NEW LAW JOURNAL ‘Having trouble with fuel bills? Or advising other people with fuel bill problems? Get hold of the Fuel Rights Handbook’ SUNDAY MIRROR ‘The presence of the Fuel Rights Handbook on an adviser's bookshelf is imperative – I can honestly use no other word. You will not be able to say that you are properly resourced without this indispensable publication from the CPAG stable ... buy this book ’ ROOF ‘There has never been a greater need for a definitive guide to fuel rights. It will be no surprise to avid CPAG fans that this is it ... well established as the standard practical guide ... CPAG – what would we do without you?’ THE ADVISER Paying for Care Handbook 6th edition
The Paying for Care Handbook is the only comprehensive, fully referenced guide to social security and social services law and practice for adults needing care. It covers England, Wales and Scotland. There is comprehensive coverage of: services, welfare benefits and other financial help for adults, and their carers, needing care at home or in supported housing; how charges are means-tested, administered and enforced; the duties of social services and health authorities; challenging decisions, enforcing rights and common problems. Fully indexed and cross-referenced to law, guidance, court and commissioners’ decisions, there is in addition the full text of key legislation setting out the powers and duties of social services authorities. There are practical examples of calculations, and tactical hints and arguments to help with maximising income and minimising liability – helping both care users and the responsible authorities to achieve effective financial planning. The Paying for Care Handbook provides clear, practical guidance for adults in need of care and support, their carers and relatives, and professionals giving advice or administering the different schemes of services, charges and benefits. This includes welfare rights advisers, social workers, solicitors, information providers, and community care and financial assessors. Late 2008 978 1 906076 20 7 £19.50 The 5th edition (2005) is still available at £18.50
CPAG training >> see relevant courses CPAG training in Scotland >> see relevant courses ‘An excellent and invaluable reference tool for those advising or assisting care users and their relatives’ THE ADVISER ‘This is true VFM (value for money) as it is packed with useful information in an easy to use format easily accessible by practitioners and public alike’ SOLICITORS JOURNAL ‘The Local Government Association recognises this publication as a valuable resource for social services staff and their clients in helping them understand how the social security system relates to the provision of services under community care legislation’ LOCAL GOVERNMENT ASSOCIATION ‘A unique... publication including in depth material on services, benefits and charges… of immense value to social services, advisers, individuals and voluntary organisations alike’ AGE CONCERN ENGLAND This publication
is supported by Age Concern England and the Local Government Association
Migration and Social Security Handbook 4th edition
The Migration and Social Security Handbook gives practical, comprehensive guidance on social security entitlement for anyone who has come to or is leaving the UK, and it also covers asylum support. It is unique in bridging the gap between benefits and immigration advice. This Handbook provides:
This edition is completely revised since the previous (2000) edition to cover all significant social security changes affecting people from abroad, including the right to reside test. There is detailed information on the rights of EU nationals including Accession State nationals. It also includes information on the rights of those who have worked in the UK to transport benefits between the UK and other EU states. This Handbook also includes practical information on dealing with the Department for Work and Pensions and the Home Office, and on the links between them. It is fully indexed and cross-referenced to UK and European social security and immigration legislation, as well as case law. April 2007 (delayed from 2006) 978 1 901698 77 0 £21.00
CPAG training >> see relevant courses CPAG training in Scotland >> see relevant courses 'Of invaluable use for immigration and welfare benefit advisers… as well as legal practitioners in need of a quick, no-nonsense reference guide to solve practical problems.' IMMIGRATION, ASYLUM & NATIONALITY LAW 'The real achievement of the book is the way in which immigration and benefits advice have been interwoven throughout' JOINT COUNCIL FOR THE WELFARE OF IMMIGRANTS |
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7th edition
The Council Tax Handbook is the standard guide for use by administrators, advisers and others needing to understand the scheme. November 2007 978 1 906076 06 1 £16.00 CPAG training >> see relevant courses ‘Covers all aspects of the tax and its application’ FINANCIAL TIMES ‘A comprehensive guide to all aspects of the council tax ... easy to follow and use’ CITIZENS ADVICE ‘Provides the most up-to-date and reliable coverage of all aspects of the tax as it applies in Britain’ NCVO NEWS ‘Follows the by now familiar format of other CPAG guides ... will be required by those advising people on how to reduce their council tax bills and anyone who needs to understand the scheme. Recommended’ THE ADVISER CPAG's Housing Benefit and Council Tax Benefit Legislation, 2008/09 21st edition (Findlay/George/Poynter/Stagg) updated by C George, S Wright and R Poynter
This definitive, annual publication covers housing benefit and council tax benefit legislation as it applies in England, Wales and Scotland. The relevant statutory material is accompanied by an expert commentary, and information is fully indexed and cross referenced. Each new edition is completely revised and updated to contain the latest legislation, as well as official guidance and caselaw, and information on such issues as changes to decision-making. It provides chapter and verse in accessible form for advisers, lawyers, local authority administrators, students, and tribunal members.
December 2008 978 1 906076 15 3 £97.00 including updating Supplement (Supplement due Spring 2009: 978-1-906076 16 0) The 20th edition (2007/08) is still available at £95.00 including updating Supplement (Main volume January 2008, Supplement due Summer 2008). CPAG training >> see relevant courses CPAG training in Scotland >> see relevant courses Packed with relevant information in an easily portable form. The title remains a work which no one concerned with housing benefits can be without’ FAMILY LAW ‘An important tool for anyone advising about housing benefit’ THE LAW SOCIETY’S GAZETTE ‘An indispensable guide for all those advising claimants in whatever capacity’ SCOTS LAW TIMES CPAG's Housing Benefit and Council Tax Benefit Law Online New online subscription accessed via the internet. Contents include:
Annual subscriptions can start any time. Read more about CPAG's online services Annual subscription rates to CPAG’s Housing Benefit & Council Tax Benefit Law Online.
Sign up here for a free one-week trial of CPAG’s Welfare Benefits and Tax Credits Law Online. Social Security Legislation 2008,
Volume I: 9th edition: D Bonner, I Hooker and R White This companion to Mesher/Wood covers all non-means-tested benefits, except for contribution-based jobseeker’s allowance which is now contained in Mesher (Volume II). All relevant material on administration, appeals and European law is in Volume III (Rowland). Volume IV covers the employer-paid benefits as well as tax credits. Each annual edition is fully revised and updated, and – in common with its companion volumes – is fully annotated, indexed and cross-referenced. September 2008 Published by Sweet & Maxwell £86.00 main volume only The 8th edition (2007) is still available at £84.00
Social
Security Legislation 2008, Volume II: 9th edition: J Mesher, P Wood, R Poynter, N Wikeley & D Bonner Fully annotated,
indexed and cross-referenced, this definitive collection of legislation
covers income-related benefits, with the exception of housing benefit
and council tax benefit (see Findlay). All relevant material
on administration, appeals and European law is in Volume III (Rowland).
Volume IV has the new tax credits legislation. September 2008 Published by Sweet & Maxwell £86.00 main volume only The 8th edition (2007) is still available at £84.00
Social
Security Legislation 2008, Volume III: 9th edition: M Rowland and R White This volume contains all the material on social security administration and adjudication relevant to Mesher and Bonner, as well as the relevant European legislation. Each annual edition is fully revised and updated, and – in common with its companion volumes – is fully annotated, indexed and cross-referenced. September 2008 Published by Sweet & Maxwell £86.00 main volume only Special offer: CPAG members and subscribers
The 8th edition (2007) is still available
at £84.00 Social
Security Legislation 2008, Volume IV: 6th edition:
N Wikeley & D Williams This volume
contains the relevant Acts and regulations for child tax credit
and working tax credit, and also covers the relevant administrative
and procedural issues (please note that the provisions governing
appeal tribunals and the commissioners, and also the European dimension,
are covered in Volume III). In addition, this volume covers the
employer-paid benefits: the new statutory paternity pay and statutory
adoption pay, and also statutory sick pay and statutory maternity
pay. In common with
its companion volumes it is fully annotated, indexed and cross-referenced,
and has an expert commentary. There is one Supplement (see below)
incorporating updates to all four main volumes of Social Security
Legislation 2006. September 2008 Published
by Sweet & Maxwell £86.00
main volume only The 5th edition (2007) is still available
at £84.00 Supplement
to Volumes I, II, III & IV of Social Security Legislation 2008
(9th edition) The 8th edition (due March 2008) is
still available at £50.00 Child Support: The Legislation 2007/08 8th edition This is the
current main volume – there are no firm plans yet for a 2008
Supplement. August 2007 Published by Sweet & Maxwell £82.00 The
Social Fund: Law and Practice 3rd
edition: Trevor Buck Originally announced
by the publishers for 2004, this edition is further delayed to 2008.
We will update the information on this page as soon as we have firmer
information on the publication date. Published by
Sweet & Maxwell £82.00 Disability Rights Handbook, 2008/09 33rd edition Fully revised
edition of the definitive guide to benefits and services for people
with disabilities. May 2008
Published by Disability Alliance ERA £21.00 ESA: Employment and Support Allowance A guide to this new benefit which is due to be introduced on 27 October 2008. October 2008 Published by Disability Alliance ERA £7.00 Guide to Housing Benefit
& Council Tax Benefit, 2008/09 Martin Ward
and John Zebedee This useful
annual guide is updated to cover housing benefit and council tax
benefit rules applying from April 2008. Summer 2008
Published by Shelter/CIoH £24.00 4th edition This edition is temporarily out of stock. If you would like to order this book, please contact us by email (bookorders@cpag.org.uk) rather than using the order form. This annual
handbook is the only client-specific advice source for lone parents,
covering benefits/tax, maintenance, education, employment, childcare,
housing/homelessness, domestic violence etc. It also has information
on children's legal status, education etc. NB There are
no plans at present to produce a new edition in 2008/09. September
2006 Published by One Parent Families £35.00 3rd edition Formerly known
as the Guide to Training and Benefits for Young People. Includes
guidance on benefit enititlement and procedures, work based learning,
rights, responsibilities and financial support for 16 and 17-year-olds. ADDENDUM:
The Department for Children, Schools and Families (DCSS) announced
that the Young Person’s Bridging Allowance would be abolished
for new applicants from 1 October 2007. This affects the contents
of the Young Person’s Handbook p. 68-79. Further
details are available on http://www.cesi.org.uk/docPool/ypba.doc September 2007, delayed from 2006 4th edition
Comprehensive
coverage of the Welfare to Work agenda, including benefit entitlements,
financial support in and out of work, learning and training provision,
and the different employment programmes. Late 2008
Published by Centre for Economic & Social Inclusion £22.00 The 3rd edition
(July 2007) is still available at £24.95 This
is a detailed listing of CPAG's welfare rights handbooks and advice
guides: |
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