The recession could lead to money related issues for many people. There are a number of services available for anyone in Nottinghamshire who has debt problems or money concerns.
If you are worried some of the people you may want to talk to are listed in the following sections.
- Debt advice
- Benefits/tax credits
- Mortgage or Rent
- Managing Your Money / Financial advice
- Council Tax
- Energy Saving
Debt and borrowing money - Directgov Please visit their website: www.direct.gov.uk.
For free access to PCs and the internet for up to three hours per day use your nearest library.
Debt - Citizen's Advice Bureau Citizen's Advice Bureau offer advice and support on debt management. Experienced advisors can talk to you about your debt/money worries and advise you whether you are able to claim benefits. Visit their website: www.adviceguide.org.uk
There are offices throughout the County:
Bassetlaw tel: 01909 476049
Mansfield tel: 01623 627163
Newark tel: 01636 704 391
Nottingham tel: 0115 9388050
Ollerton tel: 01623 861769.
NUWC - Nottinghamshire Unemployed Workers Centre is an independent Voluntary Organisation based in Mansfield which has been providing a free Welfare Rights and Money Advice Service to people living or working in Nottinghamshire for over 10 years. They provide support and advice on:
- Welfare benefits (eg Job Seekers Allowance) from help with completing forms to representation at Tribunals.
- Money advice - from general information on how to handle debt to representation at County Court and above if necessary.
- Making contact with other specialist voluntary and statutory organisations offering support and advice to people in financial difficulty.
Nottinghamshire Unemployed Workers Centre is supported by: The Legal Services Commission, Nottinghamshire County Council, Mansfield District Council and the Severn Trent Trust Fund.
For general information/advice or to make an appointment to see an adviser, contact NUWC at:
5 St John Street
tel: 01623 481882
Alternatively you can contact them by e-mail and they will respond as quickly as possible: email@example.com.
If you need to see an adviser urgently, you can call at the office without an appointment. However please note that if all the advisers are engaged with other clients you may have to wait to be seen.
When you come to the office, bring with you any paperwork that relates to your welfare rights or debt problem.
Shelter offer free advice on managing your debt. tel: 0808 800 4444 website: http://england.shelter.org.uk
National Debtline provides free, confidential and independent help over the phone for people in England, Scotland and Wales. You can call their helpline and also download publications from their website. Tel: 0808 8084000 website: www.nationaldebtline.co.uk
Legal Advice – Free help with debt, money, tax, employment issues, government law and rights. Contact Community Legal Advice (Charity) tel: 0845 345 4345 website: www.communitylegaladvice.org.uk.
The Consumer Credit Counselling Service offer free, confidential advice tel: 0800 138 1111 website: www.cccs.co.uk
The Debt Advice Foundation are a free debt advisory service tel: 0800 644 6089 website: www.debtadvicefoundation.org
Independent Financial Advisor.co.uk contains links to websites offering free debt advice: www.independentfinancialadvisor.co.uk/debt-help
Christians Against Poverty are a national debt counselling charity working through a network of centres based in local churches tel: 01274 760720 website: www.capuk.org
Payplan provides free advice to people living in the UK on debt and budgeting, including free debt management plans and Individual Voluntary Arrangements (IVAs) without upfront fees tel: 0800 197 6026 website: www.payplan.com
Mortgage Homeowners Rescue Advice Centre You can contact them directly tel: 0800 3162240 or through the housing options office at your local council
Money Saving Expert - website with a section on problem debts website: www.moneysavingexpert.com/cards
Credit Unions - Credit Unions encourage you to save what you can and only borrow what you can afford to pay back. The most you'll pay in interest is one percent a month, so interest on a £100 loan won't be more than £1 a month. Find out more about credit unions in Nottinghamshire.
Nottinghamshire Unemployed Workers Centre (NUWC) - read information about the NUWC below.
Our benefits advice pages provide a wide range of information on the different benefits you can claim and where you can go for advice. They include information on:
- The benefits you can claim
- Details on specific benefits
- How to apply for different benefits
- Where you can get advice
Other useful organisations
Benefits and Financial Support - Directgov. Please visit their website: www.direct.gov.uk.
Job Centre Plus - tel: 0845 604 3719
Turn 2 Us - Service which helps people access the money available to them, through welfare benefits, grants and other help tel: 0808 802 2000 free and confidential helpline open Monday to Friday 8am to 8pm, website: www.turn2us.org.uk
Benefits Adviser - If you are new to benefits, or already on benefits, the benefits adviser can help you get a benefits estimate or check available benefits to claim. Alternatively, you can just see which benefits you may be able to get, without estimated amounts. website: www.direct.gov.uk
Crisis loan - A crisis loan is a tax free loan, and can be applied for in an emergency or because of a disaster if you cannot find help anywhere else. website: www.direct.gov.uk
Free school meals - You can claim free school meals for your child if you receive any of the following:
- the Guarantee element of State Pension Credit,
- an income based Jobseeker's Allowance (JSA),
- Income Support,
- Asylum Seeker’s Support
- Child Tax Credit
Providing you are not entitled to Working Tax Credit and your annual income (as assessed by Her Majesty's Revenue and Customs) does not exceed £16,040 you can get free meals for your child. They will get either a free two-course meal or items of an equivalent value if there is a cash cafeteria service.
For more information, and to claim free school meals contact Nottinghamshire County Council tel: 0300 500 80 80 or visit your local county contact office:
Free Early Education
All three and four year olds in Nottinghamshire are entitled to a free part time early years place, known as the “free entitlement”. For more information and to claim you free part time place contact Nottinghamshire Families Information Service run by Nottinghamshire County Council tel: 0300 500 80 80
School Travel Grant
Children and young people attending the catchment school of their choice are entitled to a free or discount fare travel bus pass if they are:
|Age||Free travel||Discounted travel|
|Under eight||Free travel pass if their school is more than two miles walking distance||Discounted travel if their school is less than two miles walking distance|
|Eight and over||Free travel pass if their school is more than three miles walking distance, until end of educational year in which 16th birthday falls||Discounted travel pass if their school is less than three miles walking distance, until end of educational year in which 16th birthday falls|
|Over sixteen||None||Half price travel between home and school/college up to 22.00 hours Monday to Fridays where bus and train services are available|
The walking distance is the taken as the shortest route from your home address to your local catchment school and can include footpaths, jitty's and paved areas. This means the walking distance may be shorter than the route by car.
Parents and carers who decide to send their child to a school of their choice are responsible for organising and paying for their child's school transport.
For more information about school travel grants, or to apply, customers should contact Nottinghamshire County Council tel: 0300 500 80 80 or visit your local county contact office.
Mortgage or Rent
See Recession Advice - Housing
Managing Your Money
Where can I get advice on budgeting and saving money?
- Advice agencies and Citizen's Advice Bureaux have information on managing your money.
- Look out for sessions run throughout the county in groups to help you plan and budget. These are confidential and you won’t have to reveal any personal information. The sessions may be run at children’s centres, local colleges and community venues. Contact your local centre or library for information.
- Credit Unions can offer some advice on how to save and budget.
Credit Unions are cooperative financial institutions owned and controlled by its members and operated for the purpose of promoting thrift, providing credit at reasonable rates and providing other financial services to local community members. For more information, please see our Credit Unions page.
There are websites which can help:
- The Citizen's Advice Bureau website has a section on handling debt and getting further help. It includes sample letters and budgeting sheets: www.adviceguide.org
- www.moneymatterstome.com has advice on family finance
- www.moneyadviceservice.org.uk has a range of advice
There are also lots of leaflets / booklets available, particularly from the FSA, which can be ordered through this website: www.moneymadeclear.fsa.gov.uk
Consumer Direct clarifies consumer rights, and helps resolve disputes. Please visit their website: www.consumerdirect.gov.uk
Banks, savers and investors - Directgov Please visit their website: www.direct.gov.uk
Budgeting and your finances - Directgov Please visit their website: www.direct.gov.uk
Managing Money - Directgov Please visit their website: www.direct.gov.uk
Pensions and Retirement - Directgov Please visit their website: www.direct.gov.uk/pensions
Money Made Clear (FSA) cuts out the jargon and gives you just the facts about financial products and services, helping you to make an informed decision. Please visit their website: www.moneymadeclear.fsa.gov.uk
Money Saving Expert. Please visit their website: www.moneysavingexpert.com
Pensions Advisory Service is an independent non-profit organisation that provides free information, advice and guidance on all types of pensions. Please visit their website: www.pensionsadvisoryservice.org.uk
Dealing with redundancy - Directgov Please visit their website: www.direct.gov.uk
Turn2us – Can give you help to maximise your income by helping you access the money you may be entitled to through welfare rights, charitable grants and other financial help. Please visit their website: www.turn2us.org.uk
VoucherCodes.co.uk - discount codes and printable vouchers for various websites and retailers. Visit their website: www.vouchercodes.co.uk
MyVoucherCodes.co.uk - voucher codes, deals, discounts, in-store offers. Visit their website: www.myvouchercodes.co.uk
Savoo.co.uk - access to 1,000s of voucher codes and discounts. Visit their website: www.savoo.co.uk
The Money Advice Service - website and publications to help you manage your money better and make informed choices website: www.moneymadeclear.fsa.gov.uk
Age UK Money Advice (Nottinghamshire) offers free, impartial advice on a range of money matters.
tel: 0115 841 4483 website: www.ageuk.org.uk
LinkNottinghamshire Unemployed Workers Centre (NUWC) is an independent voluntary organisation based in Mansfield and provides a free welfare rights and money advice service to people living or working in Nottinghamshire. They provide support and advice on:
- welfare benefits including completing forms and representation at tribunals
- money advice from how to handle debt to representation at County Court and above
- how to make contact with specialist organisations offering support and advice to people in financial difficulty.
The NUWC is supported by The Legal Services Commission, Nottinghamshire County Council, Mansfield District Council and the Severn Trent Trust Fund.
For advice or an appointment please tel: 01623 481882, email: firstname.lastname@example.org, address: NUWC, 5 St John Street, Mansfield, Notts NG18 1QH. If you need to see an advisor urgently you can call at the office without an appointment but if advisers are with other clients you may have to wait to be seen. Please bring paperwork relating to your benefits or debt with you.
See Recession Advice:
Energy and Water Saving - Directgov. Please visit their website at: www.direct.gov.uk
Citizen's Advice Bureau - Fuel Costs and Saving Money. Please visit their website at: www.adviceguide.org.uk
Warm Front makes homes warmer, healthier and more energy-efficient. Please visit their website at: warmfront.co.uk
Energy Saving Trust provides free impartial advice to help you save money and fight climate change by reducing carbon dioxide emissions from your home. Please visit their website at: www.energysavingtrust.org.uk
Home Heat Helpline is a free, not for profit phone line set up to help British energy customers who are struggling to pay their fuel bill and keep warm. Please visit their website at: www.homeheathelpline.org.uk
Winter Fuel Payments offers an annual payment to help people aged 60 and over with the costs of keeping warm in winter. Please visit their website at: www.direct.gov.uk/pensions