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, 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.
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.
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.
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.
ClearDebt - Debt advice and Individual Voluntary Arrangements (IVA).
Consumer Credit Counselling Service (CCCS)
Worried about debt? CCCS can provide you with free confidential advice and support.
The Debt Advice Trust is a 'Not for Profit' organisation, focused on offering quality, impartial debt advice through our free debt helpline.
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.
Discreet Debt Solutions. IVA Find out fast if an IVA is right for you. Established UK Debt Counsellors call free 0800 781 9958 and discover your options.
Endowment Claims & Endowment Shortfalls Explained
This web site has been designed to guide you through the facts about the current Endowment Claims Crisis, and to help you decide the steps you can take towards a financial compensation claim for the endowment shortfall suffered.
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 Arrangement (IVA) INFO UK
IVA INFO UK offers a free confidential debt counselling service which will help you understand all of your available debt solutions options and avoid any County Court Judgment's (CCJ's).
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).
Moneymadeclear (from the UK's FSA) - Debt test
Loans, credit cards, mortgage payments, bills – should you be worried about what you owe? Our Debt test will help you to find out how likely you are to have problems with your borrowing over the next year or so.
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.
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.
Like most countries around the world, the UK is facing exceptional challenges as a result of the current economic downturn. The Government has responded by delivering support to individuals, families and businesses to help you through this time more quickly, strongly and fairly. Real help now provides information and news about the support that’s available and where to go for help you need.
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.
Practical information and advice. Help with keeping your home, with training and skills, and with jobs and benefits.
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: webmaster@wrexham.gov.uk
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telephone: 01978 292000
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