Life Events - Credit Crunch
Are you affected by the Credit Crunch? Please don't ignore this, we have provided you with some useful links to both Council Services and external sites which may be able to help you with your situation.
Wrexham County Borough Council Services
Are you affected by the 'Credit Crunch'?
Information from Wrexham County Borough Council Housing Services section.
Cut your Council Tax and rent payments - Council Tax and Housing Benefits
If you pay rent and/or council tax for your home and live on a low income you may be entitled to Housing Benefit and/or Council Tax Benefit, which means you could pay less for these bills.
The Welfare Rights Unit (WRU) houses a team of workers who provide advice and representation on Welfare Benefits issues.
Wrexham's Economic Development Department offers a wide range of support services for local businesses. Our business advisors have extensive experience and understand the needs and requirements of businesses of all sizes and sectors. Includes information about "ReAct", a package of support to help people who have been made redundant get back into employment as quickly as possible
Useful External Links
Debt Charities
CCCS - Consumer Credit Counselling Service
The consumer Credit Counselling service are a specialist national debt charity. Many debt management companies charge very high fees for their services, CCCS however is entirely for free and if necessary they can even set up a debt management plan (external link) for you. Free debt counselling can be accessed online 24/7 at CCCS Debt remedy (external link), this is an anonymous service offering sound debt advice.
Christians Against Poverty (CAP) is a national debt counselling charity working through a network of 58 centres based in local churches. CAP offers hope and a solution to people in debt through its unique, in-depth service. Wrexham CAP, Monday - Wednesday. 01978 266975, wrexham@capuk.org.
National Debtline is a national telephone helpline for people with debt problems in England, Wales and Scotland. Our service is free, confidential and independent. At National Debtline we are committed to answering your call and then discussing your debt problems with you and the options available to you. The specialist advice that we give over the telephone is backed up with written self-help materials which we can send out to you for free. If your circumstances meet certain criteria, we can, if you are interested, assist in setting up a Debt Management Plan for you, for free.
Debt, Bankruptcy & Endowments
Debt Help in the UK is in great demand. The UK Debt Help & Insolvency Helpline is the UK's first fully interactive online resource which enables all types of commercial entities and individuals the opportunity to have direct access to the UK's most skilled professional advice on all debt and insolvency issues.
The aims of the Association are: To provide truly independent practical help, advice and comfort to those who fall into serious debt and bankruptcy. To campaign for reform of our insolvency legislation and related laws.
The Business Rescue Service website is part of Financial Management Limited., and independent practise of business recovery professionals. Our advisors and panel of licensed insolvency practitioners have over 20 years experience in providing solutions to businesses and individuals with problems.
ClearDebt - Debt advice and Individual Voluntary Arrangements (IVA).
Debt Free Direct provides free debt advice and a range of debt solutions that are also free. These solutions include Debt Management, an IVA, Debt Consolidation or at a last resort, Bankruptcy. All advice and solutions offered are based on their ‘best advice’ model and do not favour any one solution.
Debt and You - A free guide to managing your debts
"Debt and You - Managing Your Debts" was produced as a free debt guidebook, which provided general information about personal debt and more importantly, options on how to get out of debt.
Debt Questions is a free information site providing impartial debt advice for individuals.
Find your way back to work Whether you want to search for a job or brush up on your job seeking skills, you'll find a range of support and advice here, including: CV and interview tips, different ways of searching for work and how to gain new skills.
Individual Voluntary Arrangements (IVA's) and Debt Consolidation Advice
The purpose of this site is to provide information to people with debt problems. The main focus of the site is to advise our users about Individual Voluntary Arrangements (IVA's).
Shelter Cymru's Wrexham Community Money Advice project has a team of trained debt advisers in Wrexham who can give free, independent and confidential advice, fact to face or by phone or email. Call Shelter Cymru Advice & Support Services on 0845 075 5005 and ask for Debt Advice or email moneyadvice@sheltercymru.org.uk.
The Money Advice Service website and publications are here to help you manage your money better and make informed choices. They are intended for customers of UK financial services who live in the UK. Our Money Advice Line can give you information and advice about your money on 0300 500 5000.
MoneySavingExpert.com is dedicated to saving you money on anything & everything by finding the best deals and beating the system. It's based on detailed journalistic research, cutting edge tools and has one of the UK's largest web communities.
Start searching for promotional discount codes and start saving money! We list all the latest Promotional Codes for UK shops and websites.
Payplan are one of the UK's leading debt management companies. We use a system developed for the Paylink Trust (a not-for-profit organisation) to make repayment arrangements between clients who are in debt and those they owe money to.
PersonalCreditRating was formed to offer a unique reference point on protecting and improving your credit rating.
Search VoucherCodes.co.uk for 1,000s of Free Voucher Codes and Exclusive Discounts.
Directgov Links
Apply for a Budgeting Loan - via Directgov
You can apply for a Budgeting Loan if you or your partner are getting a low income benefit and need help buying things like furniture, clothes or certain expenses to do with living or working.
Claim a tax repayment - via Directgov
Complete a claim form from HM Revenue & Customs if you think you are entitled to a tax repayment.
Money, tax and benefits - Managing debt - via Directgov
Managing debt, Plan your way out of debt, Court claims and bankruptcy.
Wrexham County Borough Council is not responsible for the content of external websites.
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Contact Details
Wrexham County Borough CouncilThe Guildhall
Wrexham
LL11 1AY
email:
Contact-Us@wrexham.gov.uk
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telephone: 01978 292000
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