Money and debt
Received a leaflet from the government about tax credits ending and getting ready for UC?
You don’t need to switch to Universal Credit until you receive your migration notice – while some are better off on Universal Credit others could be worse off financially and lose Transitional Protection by making the move early.
Claimants impacted by the benefit cap will be better off delaying their claim for Universal Credit until the end of the 3-month time-limit given on their managed migration letter.
To understand how the change could affect you, please get in touch and ask to speak with one of our Customer Income Advisors.
We can offer specialist advice to help you claim the right benefits and tax credits – and can help to explain everything from the benefit cap to bedroom tax.
There’s information and guides on how to manage debt or get more support with your finances. And we have some practical, step by step tips for making a budget to help you keep on track.
Our ‘managing your money’ page tells you more about basic bank accounts, credit union loans and gives links to some great websites to help you make your money go further or save on household bills. You might also like to find out more about lowering your fuel bills and boosting your credit rating.
Better Off Calculator
Are you thinking about starting a new job and wondering how it might impact your financial situation or benefits? Or perhaps you’re considering making some changes to your household budget?
To see what affect changing your circumstances could have, fill in our Better Off Calculator.
Debt Advice service
Are you struggling with debt and unsure about where to turn for help? Or feeling overwhelmed by which Debt Solution may be right for you? Maybe you’re getting letters but don’t feel able to open them?
Welfare benefits advice
Get specialist advice to claim benefits and tax credits – or challenge a decision. This page includes useful information and links on Universal Credit, bedroom tax and the benefit cap.
Lower fuel bills
Help’s available from your supplier or Sovereign if you’re struggling to pay your energy bills. See links to grants and schemes, plus what to do if your energy supplier goes out of business.