Welcome to Moray C.A.B

Moray Citizens Advice Bureau is an independent local charity run by a Board of volunteer directors drawn from the local community.

The Board is responsible for setting strategy & policy. All operational matters are the responsibility of the Manager. Moray CAB is a member of Citizens Advice Scotland which provides training, an extensive information system, social policy, research and IT support.

Chair - Eddie Coutts
Financial Director - Danie Ralph
Company Secretary / Manager - Sandra Dow

The Core service is funded by The Moray Council under a Service Level Agreement.

Moray CAB provides high quality and effective advice, assistance and training for local people, tackling poverty and social inclusion.
Moray CAB provides advice, information and practical assistance on a range of issues which include:

Benefits, Consumer Debt*, Employment, Housing, Legal, Tax, and Utilities.

*Moray CAB works in partnership with The Moray Council Trading Standards under the auspices of The Moray Money Advice Partnership. Moray CAB assists clients who have a single debt whilst Trading Standards deal with clients who have multiple debt issues.

In addition Moray CAB can offer in-depth advice and assistance including representation on Homelessness & Eviction.

The service is FREE, INDEPENDENT, CONFIDENTIAL and IMPARTIAL, based on respect for the client.

In addition to our general advice/information service we provide the following specialist areas of work;

  • Single Debt & Housekeeping Advice Project

    We want to help people to take control of their finances.
    More »

  • Armed Services Advice


    Advice, information and support for the Armed Forces community.
    More »

  • Grampian Macmillan Cancer Care Centre Project

    Grampian Macmillan Cancer Care Centre Project

    Macmillan assistance for cancer sufferers.
    More »

  • Patient Advice & Support Service (PASS)

    Patient Care

    Advice and support for NHS patients.
    More »

Press Releases and Holiday Dates

Extension to Our Services

Posted 1st August 2013

We are delighted to announce an increase in our opening hours and the provision of a dedicated email advice service.

From the 6th August 2013 we will open on a Tuesday and Thursday evening from 5pm to 7pm. This will combine a walk-in service (no appointment needed) and a telephone service.

Also from the 6th August we will have a dedicated email advice service. If you wish to contact us for advice and information you should email –

Lottery Funded

Welfare Reform

Posted 5th February 2013

The biggest consequence of the Welfare Reform Act (2012) is the introduction of Universal Credit (UC).
This will be a single, means tested benefit and will replace:
    • Income support
    • Income – based Job Seeker’s Allowance
    • Income-related Employment and Support Allowance,
    • Child Tax Credit
    • Working Tax Credit
    • Housing Benefit
    • Budgeting Loans
Moray CAB Manager Sandra Dow says "The Government's welfare reform agenda is already having a significant impact on families and individuals in Moray. We have noticed a 7% rise in benefits enquiries since April 2012."

UC will be a single benefit payment, paid monthly to claimants of working age whether in or out of work, sick or disabled, or a carer for children or disabled people.

Most people will have to show they are taking steps to prepare themselves for work by signing a claimant commitment.

Moray UC will be introduced gradually from October 2013 with all new benefit claims on UC by
mid - 2014.

Existing claimants of the benefits listed above will be transferred to UC between April 2014 and 2017.

For further information, contact Moray CAB on 01343 550088

Holiday Dates

22nd December 2014 - 2nd January 2015

2015 Local Holidays TBC