Phoning the CARF team is often a good way to get advice and information. We have a dedicated team of trained paid and volunteer advisers waiting to speak to you and help you solve your problems. You can reach us from Monday to Friday at the below numbers and times:


  • General Advice
0345 140 0095 10 a.m. to 3 p.m.
  • Debt Advice
0345 140 0094 10 a.m. to 3 p.m.
  • Macmillan service, for people affected by a cancer diagnosis
0345 140 0091 10 a.m. to 3 p.m.
  • Welfare benefits
0345 140 0092 10 a.m. to 3 p.m.
  • Text Service for the Deaf Community
07872 677904 10 a.m. to 3 p.m.

Call charges

The cost of you calling our 0345 advice numbers will vary depending on your telephone provider who may also add a call set-up fee.  Charges may also vary depending on the time of day.  Charges from mobiles will vary depending on your calling plan.  Please check with your phone provider to find out the cost if you call 0345 numbers.

For more information, visit the Ofcom website.  

British Sign Language

If you are a user of British Sign Language, you can access an online interpreter who will relay the information to CARF's Telephone Advice Unit.  Click on the image below to be taken to contactScotland-BSL web page.