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Debt and financial advice

Debt and financial advice

Useful contacts

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

Council tax - discounts and exemptions

Housing advice and housing grants

Travel passes

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

Citizens Advice Bureau (National) and CAB Maldon 
An independent voluntary organisation offering confidential and free information, advice and advocacy services.
Tel: 01621 875 774 (Maldon branch)

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

JobCentre Plus 
Search for a job, training, career information, voluntary work and childcare provision anywhere in the UK

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

Step Change Debt Charity
National charity offering free debt help and CCJ advice.

Warm Front 
The Warm Front Scheme installs heating and insulation measures in your home