This factsheet explains the difference between credit reports, credit referencing agencies, credit scores and credit searches. It will detail what information is held on a credit report, how to deal with being turned down for credit, how to challenge incorrect information on your credit report and provide tips on improving your credit score.
This guide provides information on payments and grants available to low-income households, grants available to higher income households, and other useful information and support.
This factsheet aims to provide some specific debt information and advice for those groups of people who are seen as vulnerable. It will offer advice for people on a very low income; benefit advice for the elderly; advice for dealing with debts for those who are facing prison; and advice those who are suffering from serious illnesses.
This factsheet explains Debt Management Plans (DMP). It will explain what a DMP is, the criteria to apply for one, what debts can and cannot be included, how your assets are treated, the advantages and disadvantages and what the DMP process involves.
This factsheet is to help you plan, manage and control day-to-day spending for your household. It contains advice on how to keep your household expenses under control, complete a budget to ensure you do not spend more than you have coming in, get some practical advice about saving for occasional costs, and some basic advice on debt options that may be available to you.
Tax debts should be treated as priority debts. This is because HMRC have strong powers to collect the money from you. This factsheet explains what you can do if you cannot pay your income tax bill
We can provide advice on a range of benefit issues. You also find out information on benefits for carers, those with disabilities, being out of work, bereavement, housing, and more.
On this page we outline some of the ways in which you can access additional support and offer advice on managing your bills in light of the current cost of living crisis. If you are still unclear about the support you might be able to access, local advice agencies and the Advice NI helplines are here to help make things clearer.
‘Move to UC’ refers to the UK government’s plan to move ‘legacy’ benefit claimants on to Universal Credit (UC). Universal Credit is designed to replace benefits such as income-based JSA and ESA, Income Support, Housing Benefit, and Child and Working Tax Credits.
The EU Settlement Scheme deadline has passed. If you still need to apply, we can provide free advice and support to assist you to make a late application.