Struggling with your finances?
You are not alone!
If you are finding hard to pay your rent or keep up with bills, you may qualify for additional benefits and support, depending on your circumstances.
However, working out what benefits or tax credits that you are entitled to can be tricky, especially with recent welfare changes. Rooftop Housing Group’s money advisors can provide help and support with getting the right benefit entitlements.
Our advisors can check current entitlement, do ‘what if’ scenarios, and offer support with challenging benefit decisions and appealing against them.
If you are experiencing an unexpected hardship or crisis, such as needing replacement white goods, sudden illness which is causing extra expense, or anything else that is costing more than usual, please contact our money advisors to see if there is help available.
We can help with
Changes to Pension Credit Rules took place on 15 May 2019. Pensioners who live together as a couple will only be able to make a new claim for pension credit when both partners are over the state pension age.
In practice you have until 13 August 2019 to make a claim if you were both State pension age on 15 May 2019.
Unsure of when you can start claiming your pension? Check your State Pension age here.
If you think you might be entitled, please contact us.
Universal Credit is the government’s new benefit for working age people. It replaces Jobseekers’ Allowance, Employment and Support Allowance, Housing Benefit, Child Tax Credits, Working Tax Credits and Income Support.
It is paid monthly, direct to you, so you will need to have a bank account, and it can only be claimed for and accessed online. If you struggle to get online, get in touch as we may be able to help.
You will need to have an email address that you can access easily on a regular basis before you start the claim.
You will then be responsible for paying your rent to your Landlord.
If you have any concerns or would like to know more about the new benefit, please get in touch.
As part of the Government's Welfare Reform changes, the total amount of benefit that can be received will be a set amount for both single people and couples. This is called the benefit cap.
The benefit cap was brought in to make sure that no family received more in benefits than the average working household.
The cap is currently
£384.62 a week if you are a couple or have children
£257.69 a week if you are a single person
UNDER OCCUPANCY REDUCTION OR ‘BEDROOM TAX’
If you are working age and claiming Housing Benefit or Universal Credit for help with your rent, this will be reduced by 14% if you have one empty bedroom, or 25% for 2 spare rooms or more.
There are rules about children and bedroom entitlement.
Citizens Advice Bureau have a calculator for working out how many bedrooms you are entitled to bedroom calculator
from Housing Benefit or Universal Credit
If you have non-dependent adults living with you (such as children 18 and over) this can affect your benefits.
The Department for Work and Pensions or local authority will look at the income of each adult in your household as this affects which deduction they take.
We also help with
Be very careful about borrowing money or accepting goods from anyone not authorised by the Financial Conduct Authority. They often charge very high interest rates and demand unaffordable repayments. Lenders such as these are known as Loan Sharks.
NOT SURE WHAT A LOAN SHARK IS?
If you can answer yes to one or more of these questions you might be borrowing from a loan shark:
Did they offer you a cash loan?
Did they not give you paperwork?
Did they add huge amounts of interest or APR to your loan?
Have they threatened you?
Are you scared of people finding out?
Have they taken your bank card, benefit card, passport, watch or other valuables from you?