Money advice
Our experienced Money Advice Team provides free, confidential, and non-judgemental support to tenants and leaseholders. We offer a professional and accessible service to help you stay in control of your finances.
Do any of these feel familiar?
- Difficulty managing your money
- Worrying about debts
- Concerned about rising living costs
We're here to help.
To contact the Money Advice Team.
Fill in our simple online form.
Clock Completing this form takes around 5 minutes
Contact the Money Advice Team
- Or call Phone 01484 414975 (Monday-Thursday: 9am-5pm, Friday: 9am-4:30pm)
Talking through things with someone can make a huge difference.
Cost of living support
Many households continue to feel the impact of higher living costs. If you're worried about paying your rent, heating your home, or managing day-to-day expenses.
See our Cost of Living support page for more help that's available.
How we can help
Money issues can affect anyone - whether you're working, retired, or receiving benefits. We can help you understand what changes might improve your financial situation, including ways to increase your income and reduce outgoings. Money issues can affect anyone - whether you're working, retired, or receiving benefits. We'll listen to your situation and explain your options. We won't tell you what to do. Our role is to give you clear, tailored advice so you can make informed decisions.
- Benefit checks and application support
- "Better off" calculations
- Checking working-hours options
- Guidance on reducing or delaying benefit deductions
- Advice on benefit timing
- Help finding grants
- Referral to our Employment Support team
- Budgeting and planning manageable repayment arrangements
Please speak to your Income Officer first about rent arrears. The Money Advice Team can then help with budgeting.
- Council tax reduction applications
- Discounts you may be entitled to
- Affordable repayment plans
- Water bills - support tariffs and schemes to reduce arrears
- Gas and electricity - repayment plans, Energy Trust Funds, Local Welfare Provision support
- Prioritising payments
- Negotiating with creditors
- Non-priority debts (credit cards, loans, catalogues, old utility bills)
- Court fines and CCJs - completing forms, repayment arrangements, understanding the process
- Bankruptcy or Debt Relief Orders - eligibility, implications, and whether it's right for you
- Urgent advice
- Understanding your rights
- Steps to prevent further action
- Applications for grants to clear debts or access essential household items
- Confidential support if you've borrowed from an unlicensed lender ("loan shark")
- Safety advice, reporting pathways, and help exploring alternatives
- Visit the Stop Loan Sharks .
Other organisations that can help
- Kirklees Citizens Advice and Law Centre (KCALC) - offer telephone and digital help and advice on a range of subjects including benefits, debt, employment, and housing. Telephone: 0808 278 7896 (9am to 1pm Monday to Friday).
- Citizens Advice - Consumer Service - free support on all energy issues, from help with energy debt to understanding your bill and getting a better energy deal. Telephone: 0808 223 1133 consumer helpline.
- Money Helper - offer guidance on benefits, money troubles, pensions, and savings. Telephone: 0800 138 7777 (8am to 6pm Monday to Friday).
- Step Change Debt Charity - help to manage your money better, debt advice and help with creditors. Telephone: 0800 138 1111.
- National Debt Line - offer free impartial debt advice. Telephone: 0808 808 4000 (9am to 8pm Monday to Friday and 9:30am to 1pm on Saturday). If you don't want to call, you can get tailored debt advice about dealing with your debts from My Money Steps which is available 24/7.
- Age UK - information and advice for people in later life, from support with benefits checks and household bills to keeping well and housing options. Telephone: 0800 678 1602 (8am to 7pm every day, including bank holidays).
- Turn2Us - offer a wide range of support from help with energy bills, money, and other bills. Access to a free benefit calculator and help with finding out what benefits, grants or other schemes may be available. Telephone: 0808 802 2000 (9am to 5pm Monday to Friday).
