Our Financial Inclusion team offers all bpha residents free, independent and confidential benefit and debt management advice including:

  • benefit checks to maximise your income;
  • helping you challenge benefit decisions where appropriate;
  • helping you make informed choices about managing debts;
  • carrying out debt negotiation;
  • advice and help with insolvency procedures;
  • representation at benefit appeal hearings and debt-related county court hearings.

Information and support with money management techniques and ideas including:

  • budget planning;
  • making the most of alternative sources of funding, goods and services;
  • comparing and switching energy and other service providers.

You can read further information on the topics below by visiting the links:

Rent arrears

Welfare reform

Removal of the spare room subsidy (the “bedroom tax”)

Benefit cap

Universal Credit

Further sources of information:

bpha money and benefits advice

Beware of Loan sharks!

Loan sharks are illegal moneylenders who often charge very high interest rates. They often target low income, desperate or vulnerable people, and often resort to blackmail, bullying and violence to enforce repayment.

To avoid loan sharks, you can check if a company is authorised to lend money. You can also report loan sharks anonymously.

If you have any doubts, do seek advice from us or the Government’s Loan Shark Project.