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Debt & welfare benefit advice

If you need help with debts or welfare benefits, we have a Debt and Welfare Benefits Advisor - James Tyler.

He can help in the following ways:

  • To show you which of your debts are the most important and provide advice and assistance about the options available to deal with them. 
  • To act on your behalf to negotiate payment plans with those you owe money to. 
  • To make sure that you are claiming all the benefits that you are entitled to and assist you with claiming, or with any other issues you may have.

James can help when it best suits you, in your home or at one of our offices.  Sometimes advice over the phone may be all that you require.

Please contact James on 0115 8443281 or 07921 483674, or by email to james.tyler@ncha.org.uk

NCHA's Money Matters leaflet may be useful, providing some helpful advice to our tenants.  You can download the leaflet here

Pay Day Loans – Are you Hooked Line and Sinker?

More and more tenants are falling foul of the bad practices operated by Pay Day and other High Street Lenders.

A recent ‘Which’ report says that; 48% of payday borrowers have taken out loans they cannot afford to repay.

  • 50% say they were hit by unexpected charges.
  • 50% roll over their loan at least once.
  • 33% get into serious money trouble because of their payday loan.

Many tenants have given the Pay Day lenders ‘Continuous Payment Authority’ (CPA). They are difficult to cancel and the loan company can take as much as they want. This can mean that they are left with little to live on after the money owed to the Pay Day Lender has been taken.

The Financial Conduct Authority (FCA) has confirmed that a customer can cancel a CPA by contacting their bank or card issuer.

For more information about how to cancel a CPA and a sample letter to use when contacting your bank, please follow these links:

Contact James Tyler, NCHA, Debt and Benefit Advisor if you need any more advice.

What other help is available?

There are a number of agencies who can provide free help and advice about avoiding debt, and what you can do if your have debts.  Please click on the links below for further information.

These agencies also deal with many other types of problems, but it may not always be possible for them to give you the sort of help you need if you leave it to the last minute. So always ask for help at the earliest possible time. 

Direct.gov - Benefit Adviser Service

This is a free online service to check the benefits that you may be entitled to. 
Click here then follow the onscreen instructions.

Citizens Advice Bureau (CAB)

CABs offers free, confidential advice either face-to-face or by telephone.  Many CABs also offer home visits and some give email advice.
Visit www.citizensadvice.org.uk to find your local bureau.

National Debtline

This is a free, confidential service that gives independent advice about coping with debt.
You can find information online or by calling the helpline on 0808 808 4000 (9am to 9pm Monday to Friday, 9.30am to 1.00 pm Saturday). 
www.nationaldebtline.co.uk 

StepChange Debt Charity

If you have a debt problem, the longer you ignore it the worse it will get.  To avoid serious problems like bankruptcy, start dealing with your debt problem by getting free advice from a debt charity like the StepChange Debt Charity.  You can use their free online service, StepChange Debt Remedy, to identify the very best debt solution for your situation.
You can call the helpline free on 0800 138 1111 (8am to 8pm, Monday to Friday).  www.stepchange.org

StepChange can also have a useful online benefits checker, which has been updated with all the latest changes to the UK benefit system.  Click here to see how you're affected. 

Community Legal Advice

Community Legal Advice offers free information about legal problems and can put you in touch with local advisers.  You can call the helpline on 0845 345 4345 (9.00 am to 5.00 pm, Monday to Friday).  Visit www.direct.gov.uk for further information.

Turn2us

Turn2us helps people in financial need gain access to welfare benefits, charitable grants and other financial help - online, by phone and face to face through their partner organisations. 
You can find information online at www.turn2us.org.uk or by calling the helpline on 0808 802 2000 (8am to 8pm, Monday to Friday).