Debt and financial advice
If you are in debt and need financial advice we recommend that you act now and seek information and advice.
Help and advice is available to help manage debts, prevent rent and council tax arrears and reduce the worst case risk of your home being re-possessed.
Help from the Council
Benefits advice including discretionary payments for rent and council tax
Help from other agencies
Age Concern Essex
An independent local charity working with and for senior citizens in Essex
Tel: 01245 346106
Business Support Helpline
Help on starting and running a business
Tel: 0300 456 3565
Business Debt Line
A business helpline providing free, confidential and independent advice on how to deal with debt problems.
Tel: 0800 197 6026
Credit Union - Holdfast Credit Union
Holdfast is your local Credit Union, run by the community for the community.
Tel: 01376 516994
Debt Advice Foundation
Free, impartial advice
The on-line link to access all Government Services.
Energy Savings Trust Advice Centre
Free and impartial advice on ways to save money on fuel bills and on grant schemes for insulation and heating works
Tel: 0800 512012
Essex Essential Living Fund (ELF)
This scheme can assist with general households costs and living expenses and is administered by Southend Borough Council. You can apply online or by calling on 0300 7900124 between 8:45am - 5:15pm.
Financial Services Association (FSA)
Information for consumers on financial products, regulations and their rights
Tel: 0845 606 1234
The Healthcare Travel Costs Scheme
If you meet three conditions, you could get a refund under the 'Healthcare Travel Costs Scheme' (HTCS) for the cost of travelling to hospital or other NHS premises for NHS-funded treatment or diagnostic test arranged by a doctor or dentist. You can also ask questions on their Facebook Page
IVA (Individual Voluntary Arrangement)
A government debt solution which offers a way out for people struggling with debts
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National Debt Line
Free confidential and independent advice on how to deal with debt problems
Tel: 0808 808 4000
Business Debt line
Provides free advice and resources to help people deal with their business finances and business debts.
Tel. 0800 197 6026
The housing and homelessness charity
Tel: 0800 085 1798