We are a friendly team of trained advisors who help people in financial difficulty with free, confidential and impartial debt advice. We can advise you on a wide range of issues and help hundreds of people every year.
We can help anyone who is:
We can help you:
You can refer yourself to the service, or you can be referred by someone supporting you – Debt advice referral form.
We have resources available for you to take yourself through the debt advice process including:
If you would like further information about the Debt Advice Team, you can contact us on 0118 937 2197 or firstname.lastname@example.org.
These accounts are for people who need to open a new bank account to manage their money, even if you have a poor credit rating. This can be because you don’t have a bank account or because you cannot use your current account for example you keep receiving charges or are overdrawn.
Fee-free basic accounts allow you to:
Here are some examples of documents you can use to prove your identity and address:
*dated within the last 3 months
The nine largest bank account providers are required to offer fee-free basic bank accounts, other banks may offer this service, but are not required to follow the same regulations.
|Withdrawals from UK cash machines (ATMs)**|
|Basic current account||Yes||Yes||Yes|
03457 404 404
|Basic bank account||Yes||Yes||Yes|
|Royal Bank of Scotland (RBS)|
|Basic current account||Yes||Yes||Yes (restrictions may apply)|
|The Co-operative Bank|
|Cash account||Yes||Yes||Link or Visa ATMs only|
0845 300 0000
*You will need to apply for another account and be rejected to be allowed to open the non-fee charging basic bank account.
**A message on the screen will inform you if any charges apply and will offer an option to cancel the transaction.
A money lender must be authorised by the Financial Conduct Authority (FCA) to lend money legally. An unauthorised lender does not have the legal right to recover the debt as it is illegal.
You can check if someone you have borrowed money from is registered by visiting http://www.loansmart.org.uk.
If anyone you have borrowed money from threatens you or is violent, contact the police straight away.
Contact the Illegal Money Lending Team on 0300 555 2222, you do not need to give them your details unless you feel comfortable. They provide specialist support, help and advice for victims of loan sharks. For more information visit www.stoploansharks.co.uk
If you are in financial difficulty, we are here to help you with appointments happening by phone, emails and post. This page has useful information for you to improve your situation, and we are here to help if you need extra support.
If your income has been affected, check your entitlement to benefits and make claims straight away.
You can refer yourself to the service, or you can be referred by someone supporting you here [Debt advice referral form link]. If your situation is urgent, please contact us on 0118 937 2197 or email@example.com
Information on the financial issues you may have during the coronavirus crisis is available from The Advice Service.
You still need to pay rent as a priority. If you have any issues paying your rent, contact your landlord straight away to make an affordable agreement to repay your arrears.
You cannot be evicted without a court order, currently the government has suspended new evictions from social or private rented accommodation until 23 August 2020.
If you are being threatened with eviction, or being asked to leave your home by your landlord without a court order, you should remain in your home and immediately contact Reading Borough Councils Housing Service by phone 0118 937 2165 or email firstname.lastname@example.org.
You still need to pay your Council Tax, or it will be difficult to manage in the future. If you are struggling to pay, contact Customer Services on 0118 937 3727 to discuss your options.
If your income has reduced, check to see if you can claim Council Tax Support.
The government has issued guidance for households with possible coronavirus to stay at home and self-isolate. Contact your employer as soon as you know you are unable to attend work and discuss the arrangements for pay.
For the latest advice regarding the coronavirus emergency visit www.gov.uk
If your employer asks you not to work and you are not self-isolating, you should receive your full pay.
Check with your manager if can receive company sick pay, details will also be in your employment contract. If you cannot get company sick pay, check to see if you are eligible for Statutory Sick Pay.
This is when your employer pays you £94.25 per week whilst you are unable to work for up to 28 weeks. You will be able to receive it from the first day you are unable to work (from 13 March 2020), for more information visit www.gov.uk/statutory-sick-pay
If you are self-employed you are not eligible to receive Statutory Sick Pay, so if you cannot work due to the government guidance regarding coronavirus you should check your entitlement to benefits and make claims straight away.
The coronavirus is affecting employment, with some employers asking employees to take unpaid leave and other employers having to lay off a number of their employees.
If you lose your job, it is important you get all the advice available so you can make informed decisions and benefit applications quickly. For advice on employment issues visit www.citizensadvice.org.uk and www.acas.org.uk/advice.