Money Links
General Money Links
Section of the BBC website dedicated to information about your money.
Mortgages - A Basic Guide from the BBC
Section of the BBC website dedicated to information about mortgages.
Adviceguide from Citizens Advice
Adviceguide provides information on your rights, including benefits, housing, family matters and employment, and on debt, consumer and legal issues.
Breadmarket is a general information site, providing tips on personal finance, including credit cards, debt consolidation and money making ideas.
Child Trust Fund (CTF) is a savings and investment account for children. Children born on or after 1 September 2002 will receive a £250 voucher to start their account. The account belongs to the child and can't be touched until they turn 18, so that children have some money behind them to start their adult life.
The Children's Mutual are an approved Child Trust Fund provider.
The Citizens Advice Bureau Service offers free, confidential, impartial and independent advice.
Community Legal Advice - Legal Aid Calculator
The Community Legal Advice Legal Aid Calculator lets you see if you are eligible for legal aid.
Consumer Credit Counselling Service (CCCS)
The Consumer Credit Counselling Service is a registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice.
CreditReport.org.uk - Credit Report Everything you need to know about your Credit Rating
CreditReport.org.uk is an independent consumer information website whose mission is to provide useful and straight forward information on the credit rating system in the United Kingdom..
Department for Works and Pensions (DWP)
The Department for Work and Pensions (DWP) is responsible for the Government's welfare reform agenda. Its aim is to promote opportunity and independence for all. It delivers support and advice through a modern network of services to people of working age, employers, pensioners, families and children and disabled people.
Family Investments - Junior ISA etc
The Junior ISA is a new savings account, which allows you to save and invest on behalf of a child. Final details of the Junior ISA were announced by the Government on 27th July 2011 and it is due to launch on 1st November 2011.
The leading internet directory for UK financial websites.
The independent service for settling disputes between businesses providing financial services and their customers.
Financial Services Authority (FSA)
The Financial Services Authority (FSA) is an independent non-governmental body, given statutory powers by the Financial Services and Markets Act 2000.
Find out all there is to know about Will writing at howtowriteawill.org
Independent FinancialAdvisor.co.uk
Our aim is to offer innovative ethical financial solutions that will provide you and your family with more financial security.
Making a Will provides general information on preparing a will and the consequences of passing away without having made one.
The Money Advice Association was formed to promote the development of free, independent and impartial money advice services. We offer training and support for money advisers. The Association is the only national forum concerned solely with money advice in policy feedback to government and other bodies on matters affecting the financial position of those in debt.
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.
Martin Lewis’s free site saves you money. Beat the system on credit cards, shopping, special offers, mortgages, council tax, interest rate payments, freebies, loans, loopholes, best buys. Compare, read, discuss and be a Money Expert.
Information guides from confused.com.
The Pensions Advisory Service, is an independent non-profit organisation that provides free information, advice and guidance on the whole spectrum of pensions covering State, company, personal and stakeholder schemes.
The Pensions Ombudsman investigates and decides complaints and disputes about the way that pension schemes are run.
The Pensions Regulator's principal aim is to prevent problems from developing. We use our powers flexibly, reasonably and appropriately, with the aim of putting things right and keeping schemes on the right track for the long term.
The Pension Service has taken over responsibility for all pensions related business from the Benefits Agency and is working to introduce a better service tailored to its customers' needs. This improved service is currently being introduced and will cover England, Scotland and Wales.
unbiased.co.uk - the professional advice website
Welcome to unbiased.co.uk, your portal for finding local, professional advice from an independent financial adviser (IFA), a whole of market mortgage adviser, an accountant or a solicitor. Choose your requirements and receive details of unbiased, qualified advisers close to your home or office.
Wills and Wills - Everything you need to know about making wills and making a will online
This is a blog to help make people aware of what can happen if one does not write a Will. The blog will cover all aspects of Will writing, what is included in a Will and how to make a Will. It may look bare at the moment, but each day a new post will be written providing more information than ever before about Will writing.
Welsh Local Government Association
The Welsh Local Government Association represents the interests of local authorities in Wales.
Debt, Bankruptcy & Endowments
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.
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.
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.
Others
Are you affected by the Credit Crunch?
Please don't ignore this, Wrexham Council has provided you with some useful links to both Council Services and external sites which may be able to help you with your situation.
Bankruptcy-Insolvency.co.uk - debt advice service
Telephone advice service and online resource offering confidential and non-judgemental debt advice to individuals who are experiencing debt problems. Call freephone helpline 0800 074 6918 to apply online.
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.
ClearDebt - Debt advice and Individual Voluntary Arrangements (IVA).
The site offers debt consolidation loans and free expert advice to people in the UK.
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.
Our website holds a lot of useful information on a range of debt related issues that many people find very helpful. We offer free, nationwide, impartial and confidential advice for people who need information and help solving their debt problems.
Debt Questions is a free information site providing impartial debt advice for individuals.
Debt Consolidation? Is Debt Consolidation the right option for you? Free debt advice from Debt Watchdog. The website includes a forum which offers free guidance and information and has a resident debt expert who works in a local government debt/money advice centre.
Debt Support Trust is a not for profit debt charity (SC041902) with trained, friendly debt advisors ready to advise you on your available debt solutions.
One of the largest and longest-established debt management providers in the UK. Not only this, but they provide debt advice, and have helped hundreds of thousands of people struggling with their debts become debt free.
Hanover Sterling offer a complete financial service that is professional, innovative and flexible in responding to individual needs, utilising an extensive range of financial products.
IVA.net Individual Voluntary Arrangement (IVA) and other debt solutions
IVA Help, IVA Advice, and IVA Resources - Free Information about Individual Voluntary Arrangements from IVA.net, including resources on budgeting, money saving tips, creditor harassment as well as extensive information about other debt solutions.
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).
The IVA Service will help you to reduce your debts, our UK Individual Voluntary Arrangement services allow you to reduce your debts to an affordable level thereby alleviating your debt worries.
Free and confidential debt advice from Moneysupermarket.com
MRA Debt Management will give you a single, affordable, monthly payment, with expertly negotiated final settlements.
Payplan offer free debt advice and are an ethical provider of IVA arrangements for UK citizens.
PersonalCreditRating was formed to offer a unique reference point on protecting and improving your credit rating.
Piggy's Bankruptcy Information Website
Piggy's Bankruptcy Information Website provides an abundance of factual information on bankruptcy and a support line where individuals can obtain free help. It also details information about life after bankruptcy and also an individual’s personal experience of bankruptcy.
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.
Apply for Guaranteed Income Bond - via Directgov
Guaranteed Income Bonds give you a guaranteed monthly income without touching your capital investment. They also offer a choice of fixed rate terms, so you can choose which one suits you best.
Apply for Children's Bonus Bonds - via Directgov
With Children's Bonus Bonds from National Savings and Investments you can invest for your child's future in their own name. All returns on Children's Bonus Bonds are completely tax-free for both child and parent.
Apply for an Easy Access Savings Account - via Directgov
You can apply online for an Easy Access Savings Account at the National Savings and Investment website.
Apply for Fixed Interest Saving Certificates - via Directgov
Apply for tax-free Fixed Interest Saving Certificates online from the National Savings and Investment (NS&I) website.
Apply for Fixed Rate Savings Bonds - via Directgov
You can apply online for Fixed Rate Savings Bonds at the National Savings and Investment website.
Apply for an Investment Account - via Directgov
You can download a form for an Investment Account at the National Savings and Investment website.
Apply for Income Bonds - via Directgov
You can apply online for Income Bonds at the National Savings and Investment website.
Apply for Income Support - via Directgov
Income Support is a benefit for people under 60 on a low income and with limited savings. You can apply for the benefit online.
Apply for Index-linked Savings Certificates - via Directgov
Apply for Index-linked Savings Certificates online from the National Savings and Investment (NS&I) website.
Apply for Premium Bonds - via Directgov
Premium Bonds offer a way of investing anything from 100 to 30,000. Each month a draw is made and around 56m is won by Premium Bond holders. The top prize is a 1m jackpot.
Apply to receive tax-free interest on your savings - via Directgov
Claim to receive 'gross' interest from savings.
Claim a tax repayment - via Directgov
Complete a claim form from HM Revenue & Customs if you think you are entitled to a tax repayment.
Choosing A Mortgage - Where to Start - via Directgov
With hundreds of mortgage deals on the market, it's hard to know where to start. You can use a mortgage broker, or shop around yourself and go direct to the lender. Whatever you decide, it's important to understand how mortgages are regulated and sold.
Self Assessment - your tax return
Complete an Individual Self Assessment Tax Return form from HM Revenue & Customs.
Complete your Income Tax Self Assessment (SA) online - via Directgov
Complete your tax returns online using a secure service from HM Revenue & Customs.
Money, tax and benefits - Managing debt - via Directgov
Managing debt, Plan your way out of debt, Court claims and bankruptcy.
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