Debt Advice

Debt Advice

There are a number of local and national charities offering debt advice, you can contact them directly or we can arrange a referral for you

Huyton Citizens Advice

Nutgrove Villa 1 Griffiths Road Huyton
Liverpool
Merseyside
L36 6NA

advice@knowsleycab.org.uk

0344 826 9694

Advice session times

Monday – 09.00 -15.00
Tuesday – 09.00 -15.00
Wednesday – 09.00 -15.00
Thursday – 09.00 -15.00
Friday – 09.00 -15.00

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Kirkby Citizens Advice Bureau

1st Floor 2 Newtown Gardens Kirkby
Liverpool
Merseyside
L32 8RR

advice@knowsleycab.org.uk

0344 826 9694

Advice session times

Monday – 09.00 -15.00
Tuesday – 09.00 -15.00
Wednesday – 09.00 -15.00
Thursday – 09.00 -15.00
Friday – 09.00 -15.00

Find Out More

Loan Sharks

Illegal money lenders or loan sharks as they are known are the most dangerous and unregulated form of credit available. Non-payment can result in threats, intimidation and assault.

Often a loan shark will be someone a friend knows who can lend you a bit of cash and can be seen as providing a necessary service. That is until you can’t afford to pay. If you are in debt to a loan shark, or know of one operating in your community please contact us immediately. Alternatively you can contact the Illegal Money Lending Team anonymously on 0300 555 2222.

Did you know: Loan sharks have no legal basis to recover monies they have lent. Hundreds of people have had their debts cancelled following the arrests of loan sharks.

Advance Payment Loan of Universal Credit

It will take at least six weeks after you apply for Universal Credit (UC) to get your first payment.

During this time if you don’t have enough money to live on you should ask for an advance payment of UC. The advance payment is a loan – you’ll have to pay it back. The repayments will be automatically deducted from your Universal Credit payments until the advance is fully paid back. This means that you’ll get smaller Universal Credit payments while you pay back the advance payment, which will take at least 3 months. The maximum loan is half of your estimated first payment and is drawn from your personal element only.

You can ask for an advance payment at your Universal Credit interview, which you’ll be booked in for once you complete your online application. The interview will take place at a Job Centre. If you’ve already had your interview, you can phone the Universal Credit helpline to ask for an advance payment.

You’ll need to explain how getting an advance payment will prevent extreme hardship. This can mean situations like not being able to afford to eat, or not being able to afford energy bills or rent. You can only get one advance payment, so make sure you ask for enough to cover you until you’ll get your first UC payment.

It is really important to make this request as early as possible.

Universal Credit helpline Monday to Friday, 8am to 6pm: Tel: 0345 600 0723 Text phone: 0345 600 0743

Here to Help

If you need support applying for Universal Credit or on any of the points covered here, please get in touch.

Speak to one of our friendly advisors today

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