Category Archives: Advice

What has replaced Crisis Loans?

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

We are often asked what is the crisis loan replacement? and the cold hard truth is that there is nothing set up nationally to replace Crisis Loans

Since the Social Fund was disbanded in 2013 and the Government removed the discretionary loans provision that included Rent in Advance and Crisis loans there has been a sharp decline in the number of ways that people can access emergency help when they have no alternative means of support or income.

With the scrapping of the Crisis loan provision the government asked local authorities to offer an alternative in the form of the Local Welfare fund, whilst this was intended to be a safety net for vulnerable families it is not as accessible as the old loans system and can not be classed as being a crisis loan replacement as in most cases service users are asked to attend the Job Centre for a referral for Food Vouchers or a referral to the local food bank.

Nearly two years on and the crisis loan alternatives are clearly staining under the pressure to deliver emergency help with ever decreasing budgets that are no longer as well funded by central government and we have seen dozens of local authorities having to make the decision to totally withdraw support and rely solely on the voluntary and charitable sectors for support.

At present the only real crisis loan alternatives are:

An advance of Benefits

Referral to the Local Foodbanks

How can I get Benefit Loans in the UK?

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

In the United Kingdom it possible to get Benefit Loans and these come in two types:

Budgeting Loans:

A loan that is made to a Household that is limited to £870 per household per application ( multiple applications can be made, however, no one Household is able to Benefit Loans totalling more than £1500 at any one time)
Budgeting Loans are only paid to people who have been on an income-related benefit for more than 26 weeks and wh can show that the things that they are applying for help with ( the reason for the Benefit Loan) are essential and that they would not be able to find enough money, or obtain a bank loan to cover the cost.

They have recovered a pre-agreed percentage of the benefit that you are due and will run consecutively with any other Benefit Loans that you have to ensure that your repayment does not cause your further financial hardship.

Sort Term Benefits Advance (STBA Loans):

A small loan that can be made to people who have recently made an application to a means-tested benefit like income support, jobseekers allowance ( Income Based) or Employment Support Allowance ( Income Related) and who are awaiting the processing of their application and the first full payment period to pass ( Usually 2-4 weeks).

An STBA Loan is applied for over the telephone and a decision is given within 24-48 hours, and if successful payment is made into your nominated bank on the same day.

 

Crisis Loans And Bank Holidays

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

The Social Fund Crisis Loan section is a part of the Department - we are not affiliated with any organisation mentioned. for Work and Pensions and as such follows the same opening times. DWP offices are generally open between 8 amd and 5 pm Monday to Friday, excluding bank holidays and other public holidays.

When the Crisis Loan section is closed on a bank holiday, or due to the weekend is is possible to apply to the out of hourse service, this is done by contacting your local police stations ( you have to actually turn up and do this in person- as they are generally open on a bank holiday) and they will seek out and contact the relevent out of hours crisis loan section for your area, with a view to securin gyou a crisis loan on the same day to try to aleviate any potential risk to your health and safety, or the health and safety of your family.

Finding help in a crisis on a bank holiday can be a nightmare, however most towns and cities have  several services taht you can contact to ask for some support, these include Social services, charitable organisations, religious organisations, and also the police by if you are unable to get any help from any of these places it may be left to your friends and family.

Liverpool and Merseyside

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.
     

Local authority support

Where the local authority has outsourced welfare support any organisations and information will be held on this and associated pages above.

If the local authority are directly involved in welfare support through a contact address and / or number this is provided here, along with the circumstances under which the details should be given out.

Local authority Support offered Referral / Contact details
 
Halton Borough Council

Advice & Benefits page

Halton’s plans for their Discretionary Support Scheme are at the draft stage.
Support will normally be via food parcel or payment direct to a supplier for other items.
To be confirmed
Knowsley Metropolitan Borough Council

KMBC Residents page – links to Council Tax, Housing, Financial etc.

Further information on the Emergency Support Scheme Please call 0151 443 3200 or 0800 408 2014.
Service available 9:30 to 4:30 Monday to Friday from 2/4/13.
No out of hours service.
Liverpool City Council

Current information on Benefits & Grants

Changes to Council Tax from April 2013

Local Welfare provision. Citizens support scheme.

There will be 2 types of award, Home Grant award and an Urgent needs award.

The call centre will be open Monday – Friday 8am – 8pm.

0151 225 3053 from 2nd April 2013.

Sefton MBC

Advice & Benefits page

Limited Provision to include:
Completion of an on-line application form from LA website
Support to help complete is available at the two One Stop Shops
Help is only for vulnerable adults and families and LA will consider how this will be given.
Application Forms will be available on LA website

Sefton has two One Stop Shops

1. Stanley Road, Bootle,

2. Lord Street, Southport

St Helens Council To be confirmed To be confirmed
Wirral Metropolitan Borough Council Further Information on the Wirral Local Welfare Assistance Scheme www.wirral.gov.uk/lwa for on-line applications to Local Welfare Assistance. This address is not yet operational.
If on line is not possible the applicant can be advised to phone the call centre on 606 2233 during normal office hours and an operator will complete the form on their behalf.

 

     

Clothing, bedding etc.

Any known organisations providing support in this area will be listed below.
Organisation / Support offered Eligibility Referral / Contact details
Asylum Link Merseyside

Jumble sale for clothing & bedding on Wednesday afternoons. These items are free to destitute asylum seekers and refugees.

Free support for asylum seekers & refugees.

Open Monday to Thursday 9am – 4pm

Asylum Link Merseyside
7 Overbury Street,
Liverpool L7 3HJ
tel. 0151 709 1713
fax. 0151 709 1734
info@asylumlink.org.uk
T.A.N.G.O stock good quality clothing, kids stuff, baby items, toys, books, CDs etc at very reasonable prices.   Tango Shed, Park Street, Haydock, WA11 0BG

01744 607 388

 

     

Community banking, loans, grants etc.

Organisations providing this kind of support will be listed below
Organisation / Support offered Eligibility Referral / Contact details
Mersey Money
Information on Credit Unions in the area, including Halton, St Helens, Southport.
Also links and advice to help with debt and other financial matters.
  How to find your local credit union.
This includes full details and contacts for each one.
British Gas Energy Trust – Offers assistance to families and individuals struggling to pay their energy debts. The trust helps by giving grants to: Clear gas and electricity debts and other priority household debts including (water/sewerage) or purchase ESSENTIAL household items. In need, hardship or other distress. Particularly those having difficulty meeting their domestic gas or electrical bills For further information or to book an appointment, contact Michael or Ryan on 01744 751380
Wirral Credit Union

Saving schemes and low interest loans.

Anyone living or working in Wirral Branches in
Wallasey – 0151 638 4332
Birkenhead – 0151 201 1051
New Ferry – 0151 638 4332

More branches are planned.

Helena Partnerships Money Matters – Services include, Welfare Benefit Advice, Help paying gas and electric bills, budgeting and debt advice, access to affordable loans, affordable home contents insurance and money management sessions. Exclusively for Helena tenants to help them make the most of their money.  

 

     

Food banks, food cards etc.

Trussell Trust
Search for local food banks via the Trussell Trust website; note that this site is best viewed in Firefox (Right click on the link, copy shortcut, paste into Firefox).
Foodbank Referral Service

Known local foodbanks

Organisation / Support offered Eligibility Referral / Contact details
Central Liverpool Foodbank
Frontline Church on the corner of Lawrence and Wellington Road in Wavertree.
Food vouchers can be obtained from Citizen’s Advice Bureaus, various children’s centres, probation services, housing agencies, Nugent Care, Merseycare and Local Solutions. Paul Edwards at Frontline Church on 0151 733 3373 or paule@frontline.org.uk.
St Helens Foodbank
The Hope Centre
Atherton St
St Helens
WA10 2DT
Food vouchers can be obtained from Citizen’s Advice Bureau, various Children’s Centres, Housing Agencies, Police, LA. Contact name/number not to be given to customers.

Janice McCloud 01744 26414

Info@sthelensfoodbank.org.uk

Sefton is in the process of setting up at least 3 foodbanks. They are likely to be available from the beginning of May 2013    

 

     

White goods

Any known organisations providing replacement or help with white goods (Fridge/freezer etc.) will be provided below.
Organisation / Support offered Eligibility Referral / Contact details
Bulky Bob’s Furniture World Store
Selling good quality, re-furbished furniture to low-income families.
  Liverpool City Council
127 -137 London Road, Liverpool L3
0151 207 2148
T.A.N.G.O stocks white goods (PAT tested) furniture of all kinds, soft furnishings, crockery, utensils & bricabrack.   Tango Shed, Park Street, Haydock, WA11 0BG

01744 607 388

 

   

Citizens Advice

Find the address and contact details for local Citizens Advice via their website.
Where a specific local service is offered by CA for those in crisis this will be listed below.
Support offered Contact details
   

 

     

Other welfare support

 
Support offered Contact details
   
Organisation / Support offered Eligibility Referral / Contact details
Health Energy Advice Team Ltd
aim to provide confidential advocacy, support, advice and information to socially and economically disadvantaged people including women who are suffering domestic violence and abuse.
  HEAT Kensington
72 – 74 Durning Road
Kensington
Liverpool
L7 5NG
0151 263 2620
paulanolan@heatkensington.org.uk

sueoshikanlu@heatkensington.org.uk

Get help whilst a Benefit claim is processed

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

How you can get support whilst you wait for your benefits to be processed.

Making an application for state benefits can be a lengthy affair,  here are three options that those who are making an application to benefits have to get income whilst awaiting a decision on a recent claim to means tested benefits.

At some point many UK citizens will find themselves having to make an application for state benefits, whether that be Jobseekers Allowance due to recently giving up work or being made redundant, Employment Support allowance following the onset of illness or Pension Credit when reaching retirement age.

Although the Government are making headway in ensuring that the process is as efficient as possible, most people will find that they have to wait several weeks from the initial date of any new application until the first benefit payment is actually made.

In most cases people are making claims to income related benefits that are means tested, and as such don’t have an additional income or sufficient savings to tide them over whist their claim is assessed. The Government have realized that customers who are at the beginning of the claim process may need additional support and financial assistance to bridge the gap between they last payment that they may have got from work and the issuing of any benefits that are due.

Given that most state benefits are paid in arrears customers can expect to wait at least two weeks for any payment. During this period the Department - we are not affiliated with any organisation mentioned. for Work and Pensions who over see the state benefit system may be able to offer one of several types of emergency payment that can be issued in under 48 hours directly into the bank account of the customer.

The three types of payment that can be issues are , Crisis Loans for alignment to benefit,  Interim Payments or Benefit advances.

Crisis Loan for Alignments

These payments are issued following a telephone call to the Social Fund Section of the DWP and completing a 30-40 minute application over the phone that will result in an immediate decision and the possibility of payment within 2 hours.

Interim Payments

Interim Payments are similar to Crisis loan applications however the application is made via the Benefit Delivery Centre that is dealing with the customer’s application to benefit.

The interim payment decision is generally dealt with by the team that are looking at the original Benefit application. This is done with a view to actually processing the benefit application on the same day as the interim payment request is made. to avoid the customer getting into debt

Benefit Advance

Benefit Advances are very similar to Crisis Loan for Alignments in that the application is taken over the telephone and decided on the same day, however the customer is not notified of the decision at the end of the call because the request for a Short Term Benefit Advance is passed to the processing section who have to decide how likely it is that benefit will be awarded as Benefit advances are only issued to customers who will be awarded State benefits where at Crisis loan for Alignments can be awarded to anyone.

All three of the options offered by The Department - we are not affiliated with any organisation mentioned. of Work and pensions are short term, interest free loans that will be recovered based on a repayment plan agreed at the time of accepting the offer of a loan. The repayment period for  interim payments and Benefit Advances is 12 weeks and the amount loaned will be deducted from weekly benefit payments until the loan is satisfied. Crisis Loans for Alignment can be spread out over up to 52 weeks and will either be recovered directly from any benefits that are paid, alternatively if the customer was on Jobseekers Allowance and had closed the claim due to finding work any remaining balance could be repaid in installments or in full by contacting the Debt Management Centre  that would have been notified to the customer as dealing with the loan

 

East and South East Scotland

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Scottish Welfare Fund (Local Authority Support)

Applications for the Scottish Welfare Fund will only be available from 1st April 2013. Access to the application process will be through face to face and telephone contact with the council. Applicants will be required to complete a detailed claim form and provide evidence to support their identity and address.The detailed process may differ between local authorities.
Support offered Referral / Contact details
Crisis Grants: Emergency / immediate threat to health and safety.Community Care Grants: Enable independent living, preventing the need for institutional care.

Help can include cash, fuel cards, food vouchers, travel warrants, loaded store card for e.g. white goods/furniture.

Customers to contact the local authority for details.Find your local authority (Web)

 

 

Clothing, bedding etc.

Any known organisations providing support in this area will be listed below.
Organisation / Support offered Eligibility Referral / Contact details
Anthony Quinn Trust Irvine Housing Assoc tenants only

 

Community banking, loans, grants etc.

Organisations providing this kind of support will be listed below
Organisation / Support offered Eligibility Referral / Contact details
1st Alliance Ayrshire – Credit Union Website
Riverside Housing – Irvine Website

 

Food banks, food cards etc.

Trussell Trust
Search for local food banks via the Trussell Trust website; note that this site is best viewed in Firefox (Right click on the link, copy shortcut, paste into Firefox).
Foodbank Referral Service
Known local foodbanks
Organisation / Support offered Eligibility Referral / Contact details
East Ayrshire Foodbank Darvel residentsAvailable to benefit claimants
East Ayrshire Foodbank Available to benefit claimants in East Ayrshire
First Base Agency – Dumfries Available to benefit claimants in Dumfries
North Ayrshire Foodbank Available to benefit claimants in Irvine and Ardrossan
Trussell Trust – South Ayrshire Available to benefit claimants in South Ayrshire
Inverclyde -Trussell Trust Available to benefit claimant in Inverclyde
Renfrewshire – Trussell Trust Available to benefit claimants in Renfrewshire

 

White goods

Any known organisations providing replacement or help with white goods (Fridge/freezer etc.) will be provided below.
Organisation / Support offered Eligibility Referral / Contact details

 

Citizens Advice

Find the address and contact details for local Citizens Advice via their website.
Where a specific local service is offered by CA for those in crisis this will be listed below.
Support offered Contact details

 

Other welfare support

Support offered Contact details
Organisation / Support offered Eligibility Referral / Contact details

Tayside Crisis and Welfare Loans

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Scottish Welfare Fund (Local Authority Support)

Applications for the Scottish Welfare Fund will only be available from 1st April 2013. Access to the application process will be through face to face and telephone contact with the council. Applicants will be required to complete a detailed claim form and provide evidence to support their identity and address.The detailed process may differ between local authorities.
Support offered Referral / Contact details
Crisis Grants: Emergency / immediate threat to health and safety.Community Care Grants: Enable independent living, preventing the need for institutional care.

Help can include cash, fuel cards, food vouchers, travel warrants, loaded store card for e.g. white goods/furniture.

Customers to contact the local authority for details.Find your local authority (Web)

 

 

Clothing, bedding etc.

Any known organisations providing support in this area will be listed below.
Organisation / Support offered Eligibility Referral / Contact details

 

Community banking, loans, grants etc.

Organisations providing this kind of support will be listed below,
Organisation / Support offered Eligibility Referral / Contact details

 

Food banks, food cards etc.

Trussell Trust
Search for local food banks via the Trussell Trust website; note that this site is best viewed in Firefox (Right click on the link, copy shortcut, paste into Firefox).
Foodbank Referral Service
Known local foodbanks
Organisation / Support offered Eligibility Referral / Contact details
Dundee Food Bank
Full Gospel Church
58 Constitution st, Dundee,
DD3 6NE
N/A Referral should be made through the CAB, Making Money Work, Social Work Department - we are not affiliated with any organisation mentioned., Lilywalker Centre or for general enquiries call 01382 226372
Food Parcels, St Salvador’s Church, Dundee N/A Available from 13:15 – 14:15
Angus Food BankC/O Strathmore Christian Fellowship

Bridges Coffee House

42-44 Bank Street

Kirriemuir DD8 4BG

N/A Call 07766 741711 for more details or visit the website or email info@angus.foodbank.org.uk

 

White goods / Furniture

Any known organisations providing replacement or help with white goods (Fridge/freezer etc.) will be provided below.
Organisation / Support offered Eligibility Referral / Contact details
Transform – Tayside Furniture Project, 1 Guthrie Street, Tay MillDundee, DD1 5DY Low Income Families Referrals must be made through Dundee City Council Housing Support OfficersContact Details for Transform are 01382 225070 or e-mail

transform4u@btconnect.com

 

Citizens Advice

Find the address and contact details for local Citizens Advice via their website.
Where a specific local service is offered by CA for those in crisis this will be listed below.
Support offered Contact details

 

Other welfare support

Support offered Contact details
Organisation / Support offered Eligibility Referral / Contact details
Dundee Drop in Centres for free hot meals / healthcare advice etc Available Mon-Sun

Highland Western Isles and Moray Welfare and Loans

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Scottish Welfare Fund (Local Authority Support)

Applications for the Scottish Welfare Fund will only be available from 1st April 2013. Access to the application process will be through face to face and telephone contact with the council. Applicants will be required to complete a detailed claim form and provide evidence to support their identity and address.

The detailed process may differ between local authorities.

Support offered Referral / Contact details
Crisis Grants: Emergency / immediate threat to health and safety.

Community Care Grants: Enable independent living, preventing the need for institutional care.

Help can include cash, fuel cards, food vouchers, travel warrants, loaded store card for e.g. white goods/furniture.

Customers to contact the local authority for details.

Find your local authority (Web)

 

 

     

Clothing, bedding etc.

Any known organisations providing support in this area will be listed below.
Organisation / Support offered Eligibility Referral / Contact details
New Start Highland

Home Start Packs, Furniture etc.

All  

 

     

Community banking, loans, grants etc.

Organisations providing this kind of support will be listed below,
Organisation / Support offered Eligibility Referral / Contact details
     

 

     

Food banks, food cards etc.

Trussell Trust
Search for local food banks via the Trussell Trust website; note that this site is best viewed in Firefox (Right click on the link, copy shortcut, paste into Firefox).
Foodbank Referral Service

Known local foodbanks

Organisation / Support offered Eligibility Referral / Contact details
Eilean Siar Foodbank All  
Highland Food Banks All  

 

     

White goods

Any known organisations providing replacement or help with white goods (Fridge/freezer etc.) will be provided below.
Organisation / Support offered Eligibility Referral / Contact details
New Start Highland

Home Start Packs, Furniture etc.

All  

 

   

Citizens Advice

Find the address and contact details for local Citizens Advice via their website.
Where a specific local service is offered by CA for those in crisis this will be listed below.
Support offered Contact details
   

 

     

Other welfare support

 
Support offered Contact details
   
Organisation / Support offered Eligibility Referral / Contact details
     

Kentr Crisis Loans and welfare support

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Local authority support

Where the local authority has outsourced welfare support any organisations and information will be held on this and associated pages above.

If the local authority are directly involved in welfare support through a contact address and / or number this is provided here, along with the circumstances under which the details should be given out.

Local authority Support offered Referral / Contact details
If this section is empty do not signpost the customer to the local authority.
Kent County Council

Covering all LAs in Kent (EXCEPT Medway)

(LAs – list)

Kent Support & Assistance Service

 

Links and contact no’s TBC
Medway Council

Covering Medway in Kent

Local Welfare Provision

 

Links and contact no’s TBC

 

     

Clothing, bedding etc.

Any known organisations providing support in this area will be listed below.
Organisation / Support offered Eligibility Referral / Contact details
     

 

     

Community banking, loans, grants etc.

Organisations providing this kind of support will be listed below
Organisation / Support offered Eligibility Referral / Contact details
     

 

     

Food banks, food cards etc.

Trussell Trust
Search for local food banks via the Trussell Trust website; note that this site is best viewed in Firefox (Right click on the link, copy shortcut, paste into Firefox).
Foodbank Referral Service

Known local foodbanks

Organisation / Support offered Eligibility Referral / Contact details
Nourish Foodbank People suffering hardship or in distress Nourish Foodbank

 

     

White goods

Any known organisations providing replacement or help with white goods (Fridge/freezer etc.) will be provided below.
Organisation / Support offered Eligibility Referral / Contact details
     

 

   

Citizens Advice

Find the address and contact details for local Citizens Advice via their website.
Where a specific local service is offered by CA for those in crisis this will be listed below.
Support offered Contact details
   

 

     

Other welfare support

 
   
   
Organisation / Support offered Eligibility Referral / Contact details
     

Essex Crisis Loans and welfare support

This site offers advice and call forwarding options, and we are in no way affiliated with any organisation mentioned on this website. Calls to 084 numbers cost up to 7p per minute plus your network access charge.

Local authority support

Where the local authority has outsourced welfare support any organisations and information will be held on this and associated pages above.

If the local authority are directly involved in welfare support through a contact address and / or number this is provided here, along with the circumstances under which the details should be given out.

Local authority Support offered Referral / Contact details
 
     

 

     

Clothing, bedding etc.

Any known organisations providing support in this area will be listed below.
Organisation / Support offered Eligibility Referral / Contact details
Healthy Planet – Stuff for free shops Shops in Basildon Healthy Planet – Stuff for Free
British Heart Foundation Shops Furniture clothing & Books British Heart Foundation shops

 

     

Community banking, loans, grants etc.

Organisations providing this kind of support will be listed below:
Organisation / Support offered Eligibility Referral / Contact details
     

 

     

Food banks, food cards etc.

Trussell Trust
Search for local food banks via the Trussell Trust website; note that this site is best viewed in Firefox (Right click on the link, copy shortcut, paste into Firefox).
Foodbank Referral Service

Known local foodbanks

Organisation / Support offered Eligibility Referral / Contact details
Brentwood Food Bank Live in Brentwood Borough with food voucher  
Colchester Food Bank Food bank voucher  
Harlow Food Bank Food bank voucher  
Thurrock Food Bank Food bank voucher Thurrock.foodbank.org.uk
     

 

     

White goods

Any known organisations providing replacement or help with white goods (Fridge/freezer etc.) will be provided below.
Organisation / Support offered Eligibility Referral / Contact details
The re-Use Partnership (TRUP) Shop in Tilbury, more info online TRUP website
British Heart Foundation Shops Furniture clothing & Books British Heart Foundation shops
Lighthouse Furniture Project Brentwood based  

 

   

Citizens Advice

Find the address and contact details for local Citizens Advice via their website.
Where a specific local service is offered by CA for those in crisis this will be listed below.
Support offered Contact details
   

 

     

Other welfare support

 
Support offered Contact details
   
Organisation / Support offered Eligibility Referral / Contact details