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Money, benefits and debt advice with Successful Tenancies

The Successful Tenancies team works with our higher needs residents residents to minimise the threat of homelessness, prevent evictions and avoid homelessness. Read our case studies to find out how the team have helped residents.   

The team is delivering life-changing outcomes for vulnerable residents. In 2019/20 we helped 2,000 residents resolve their complex tenancy issues, including helping residents secure in excess of £3Mm paid towards rent arrears. 

If you are struggling with your rent payments get in touch with your Income Officer and advise them of your situation. They can refer you to our money and debt specialists for help and advice. More information is available on our Help with rent arrears and benefits page.

Debt advice | Money management tools and benefits

Coronavirus update

To see what benefits you qualify for at this time, use our budgeting tool.

Debt advice

Owing money can be very stressful, thankfully there is a lot of help available for you to access if you would like to resolve your debt issues. In 2018/19 alone, our specialist advisors helped more than 2000 residents deal with their debt and benefit issues, securing more than £2M towards rent payments and £1M in other financial benefits for those they helped.

Below is a list of some steps you can take yourself to get started on the process of dealing with your debts. However, remember that you do not have to tackle it on your own we can refer you to a specialist advisor, or signpost you to an external agency. You can also contact your local Citizens Advice Bureau, or call Stepchange for advice over the phone.

Residents in London can access free, independent and expert support on all kinds of money worries including debt from Debt Free London

When in debt the most important thing is to get organised. So:

  • Don’t take out any further credit.
  • Make a list of:
    • Who you owe money to.
    • How much is owed to each one.
    • What type of debt it is (see below).
    • The type of debts.
Read our case studies to find out how our team has been able to help residents.   

Priority debts

These are the ones where serious action can be taken against you if you don’t pay what is owed, or come to a repayment arrangement. These include:

  • rent arrears
  • council tax
  • gas/electricity
  • court fines
  • child maintenance.

Non-Priority debts

These are debts such as credit cards, mobile phone bills, unsecured loans, water bills, benefit overpayments etc.

The action these creditors can take is less serious than with priority debts.

Priority debts should always be taken care of first. 

Debts explained

  • Do a budget to work out how much money you have available to repay your debts. See our money management tools.
  • Get in touch with your most important creditors first and negotiate monthly repayments.
  • Get help. If you feel you can’t cope or handle your debts yourself, contact us or an independent advice agency. 

For more detail you can download the money and debt advice booklet (PDF, 10.7MB).