There are many things you can do to ensure you don’t fall into debt, including budgeting, contacting your creditors to see which options are available to you and applying for benefits which you’re entitled to.
If you’re concerned we recommend you look into all of the options available, to see what you’re eligible for and what suits your personal situation, such as:
You may also find that using a budget planner, such as this from the Money Advice Service, can help you to gain a better understanding of your current situation, and how to manage your outgoings during this time of change to ensure your bills are still being paid.
If you find that your income still doesn’t meet your outgoings, then there are a number of ways that you can manage your bills during this time, such as:
- taking a mortgage payment holiday
- talking to your creditors if you think you’re going to miss payments
- checking your insurance policies to see if it covers situations such as this
- contact your energy and water providers if you’re unable to pay to see if they have special measures in place to help
Havering Helps - Emergency Assistance Scheme
We run an emergency assistance scheme with our partners DABD where you can get financial support with clothes, goods, bills and food.
Between term school meal support
Please talk to us first to get support as we can make sure you can access advice and action that can alleviate some of the worry.
You’ll find lots of information on our benefits pages.
If you’re a council tenant and you don’t think you’re going to be able to pay your rent, you can claim Universal Credit straight away.
Please make sure you contact us so that we can provide help and advice to prevent debt which may become unmanageable in the future.
The same advice applies for private tenants; make a Universal Credit claim.
If you’re unable to afford your rent, speak to your landlord as soon as possible.
In order to relieve a lot of worry however, the Government has announced emergency legislation to suspend new evictions from social or private rented accommodation during the coronavirus crisis.
Council Tax support to help you
If you pay Council Tax, and you cannot afford to make payments due to coronavirus please contact us immediately to discuss. We can help.
You can also call 01708 433997.
For working age tax payers, Council Tax Support may reduce your bill by up to 80 per cent.
If you think it’s unlikely you will be eligible for Council Tax Support, please contact us anyway as we can still help you.
We are also accepting applications for longer-term payment plans to help our residents.
You can also call 01708 433996.
Council tax discretionary hardship payments will be available for residents made economically vulnerable residents by coronavirus.