Financial advice and support

Alert!

If you are looking for financial advice for those affected by Coronavirus, please visit Knowsley News (and follow ‘financial support for individuals’).
 
Many organisations have changed the way they operate and face to face contacts have stopped.  Some will only be able to offer
 
Local and national services provide free help and support. They can help you manage your money, sort debts or claim benefits.

Call the council’s dedicated Financial Advice line on 0151 443 3300 to find out more about free sources of money and debt advice, and credit unions.
 

A number of local and national services can offer you free help and support. They can help you manage your money, sort debts or claim the benefits you are entitled to.

Call the council’s dedicated Financial Advice line on 0151 443 3300 to find out more about free sources of money and debt advice, and credit unions.

On this page, you will find:

Local advice and support 

All residents can visit Livv Housing Trust (previously KHT) online Money advice hub to find local support including advice on employment, training, managing debt, health and wellbeing, furniture, getting online and claiming Universal Credit.
Many other organisations provide free and confidential advice to Knowsley residents. Some exceptions apply, so check the details below and if in doubt get in touch before you visit. This advice includes:

National money advice and support

Online money advice is available through a number of national organisations. Again, the advice is confidential and free.

Turn2uswww.turn2us.org.uk
Information and advice on benefits, grants and managing your money, with an online benefits calculator to work out what you could claim. Visit their website or, if you don’t have access to the internet call 0808 802 2000.
 
Money Advice Servicewww.moneyadviceservice.org.uk
Clear and unbiased advice to help you manage your money. Visit their website or call 0800 138 7777 to speak with a trained advisor.

Entitledtowww.entitledto.co.uk
Information and advice on benefits and grants including an online calculator to find benefits you may be entitled to.

National debt services 

Stepchange.org
Advice and support on managing debt including bankruptcy and Debt Relief Orders. Has an online benefits calculator. Go online or call 0800 138 1111.
 
National Debtlinewww.nationaldebtline.co.uk
 
Advice on dealing with debt problems. Visit their website or call 0808 808 4000 for more information.
Debt Support Trustwww.debtsupporttrust.org.uk
 
Online and telephone debt advice. Use their ‘debt analyser’ tool to work out where your money goes and which solution might be best.

Trust Funds and passported benefits 

Receipt of certain benefits can give entitlement to further benefits or services, for example eye tests, NHS Prescription costs and Healthy Start vouchers. Check the Entitledto website for further details.

Examples include Healthy Start vouchers, Warm Home Discount Scheme, and Free School Meals.

British Gas Energy Trust 
Help for those struggling to pay energy bills. Support includes:

  • Clearing gas or electricity debts (for British Gas and customers of other utility companies) 

  • Boiler replacement

  • The purchase of energy efficient white goods or cookers. 

Visit their website or call 01733 421060.

United Utilities Trust Fund 

Available to United Utilities customers. Support is paid as a one-off grant to priority creditors, mostly to help clear water debt or to help with water charges. Visit their website or call 0300 790 6172.

NHS Healthy Start   
Provide free weekly vouchers to spend on milk, plain fresh and frozen fruit and vegetables, and infant formula milk. The scheme also provides free vitamins. Visit their website or call 0345 607 6823.

Legal and consumer support services 

Citizens Advice Consumer Helpline – 03454 040506

(Previously known as Consumer Direct) Practical advice on all kinds of consumer problems from credit issues to energy and faulty household appliances.  
 
Help with benefits (checking entitlement or making a claim)

 
 
Open to all
 
Citizens Advice Knowsley
 
All offices currently closed due to Coronavirus
 
Email: advice@citizensadviceknowsley.org.uk
 
For telephone advice call:
Adviceline on 0300 330 9008
 
For help to make a claim for Universal Credit call:
Help to Claim 0800 144 8444
 
Or visit their website
Prescot and Whiston Community Advice Centre The office is closed due to Coronavirus

Telephone advice is available on 0151 443 4639
 
With restrictions
 
Centre 63 The office is closed due to Coronavirus.
 
Telephone advice and guidance is available for 18-30 year-olds:
  • Benefits including Universal Credit claims
  • Housing and homelessness
  • Money and debt
  • A listening ear
      
    Call 0151 549 1494 or visit their website.
Livv Housing Trust (formerly KHT) Telephone advice and support for their tenants only
 
Call 0151 290 7000 or email imxreferrals@firstark.com

Help to sort debts

 
 
Open to all
 
Citizens Advice Knowsley
 
All offices currently closed due to Coronavirus
 
Email advice@citizensadviceknowsley.org.uk
 
For telephone advice call:
Adviceline on 0300 330 9008
 
For help to make a claim for Universal Credit call:
Help to Claim 0800 144 8444
 
Or visit their website.
Centre 63 The office is closed due to Coronavirus.
 
Telephone advice and guidance is available for 18-30 year-olds:
  • Benefits including Universal Credit claims
  • Housing and homelessness
  • Money and debt
A listening ear
  
Call 0151 549 1494 or visit their website.

Help to manage your money

 
 
Open to all
 
TESS – anyone in rented accommodation The office is closed due to Coronavirus.
 
Based in ForHousing but open to all. TESS offers housing related support, including benefit checks and claims, budgeting and debt advice.

Call 0151 949 5050 Monday to Friday, 9am to 5pm
 
With restrictions
 
Citizens Advice Knowsley All offices are currently closed due to Coronavirus
 
Offer various projects to help residents manage their money.
 
Email advice@citizensadviceknowsley.org.uk
 
For telephone advice call:
Adviceline on 0300 330 9008
 
For help to make a claim for Universal Credit call:
Help to Claim 0800 144 8444
 
Or visit their website.

Financial Services (including low cost loans, savings and affordable white goods and electricals)

 
Open to all
 
Enterprise Credit Union All offices are currently closed due to Coronavirus
 
Credit unions offer low cost loans and a savings facility to their members.
 
During the Coronavirus outbreak Enterprise Credit Union are only able to offer loans to existing members.
Contact them online, by email or by phone.
 
contact@enterprisecreditunion.org
direct message through the members online area of their website
www.enterprisecreditunion.org
Telephone 0151 482 0177
 
Visit their website.
Knowsley Mutual Credit Union All offices are currently closed due to Coronavirus
 
Credit unions offer low cost loans to their members. 
 
During the Coronavirus outbreak, Knowsley Mutual Credit Union are only able to offer loans to existing members.
Contact them online, by email or by phone.
 
enquiries@knowsleymutualcu.co.uk.
Call 0151 545 3380.
Visit the Knowsley Mutual Credit Union website
 

Where to go in a crisis

 
Open to all
 
Knowsley Foodbank Knowsley Foodbank is operating during the Coronavirus outbreak but some services and distribution centres may change. See their Facebook page for more information.
 
Three days emergency food – a voucher is required from a partner agency. 
 
Vouchers are held by a range of services including Citizens Advice, Children’s Centres, schools and health visitors.
 
10 distribution centres open Mon – Sat.
 
Call 0151 482 6089 or 07731 789794.
 
Email info@knowsley.foodbank.org.uk or foodbankteam@big-help.info
 
Head office - Link Rd Depot, Link Road, Huyton L36 6AP.
Stop Loan Sharks Support for victims and witnesses of illegal lending. Will prosecute loan sharks.
Call the confidential hotline on 0300 555 2222 (open 24/7) or email reportaloanshark@stoploansharks.gov.uk
 
With restrictions
 
Emergency Support Scheme (Knowsley Council)
 
Fuel
Support with fuel to residents who meet the council’s criteria. Expectation that help with be sought to resolve the issue.
 
Further details here.
Residents should apply online either through the council’s customer portal (register for online services or log in to your online account). You must have a Council Tax account number, or a Housing Benefit/Council Tax Reduction claim reference to register your application through the Customer Portal.
 
You can also apply through the council’s website – go to Online Services and ‘Apply for it’.
 
Residents without access to a computer or the internet at home can get online in various venues across Knowsley
 
If you cannot apply online, you can ring the council on 0151 443 3200 where an advisor can take your claim over the phone. View opening hours
Emergency Support Scheme (Knowsley Council)
 
Food
The council’s scheme can provide you with a voucher for Knowsley Food Support.
 
View further details.
If you have a support worker or are receiving support from a local support agency, speak to them in the first instance. 

If you do not have a support worker or the local agency cannot help you, ring Knowsley Food Support direct on 0151 538 8243.

The line is open Monday to Friday 10am to 4.30pm.
 

Claiming or plan to claim Universal Credit?


Anyone making a new claim for Universal Credit can get help through Citizens Advice Knowsley’s ‘Help to Claim’ service. 

Visit their website www.citizensadviceknowsley.org.uk or call their team on 0800 144 8444.

For further information on Universal Credit including eligibility and help to prepare, visit the Governments Universal Credit website or Knowsley Council’s Universal Credit pages. 

Universal Credit does not include help towards Council Tax; this must be claimed this separately from Knowsley Council’s Council Tax Reduction page.

Support is available to residents who claim or want to claim Universal Credit. This covers:

 Support from the Department for Work and Pensions

 
Type of Support Detail How to apply
Advance Payment Up to 100% of the first UC payment can be received early. Repaid over (up to) 12 months.
Ask your DWP Workcoach or call the UC helpline on 0800 328 5644.
 
Can be requested at any time.
Alternative Payment Arrangements In some circumstances, the monthly payments can be made direct to the landlord, split between partners or received more often than monthly.
Hardship Payment Can be requested if a sanction has been applied.

Where can residents go for digital support?

Support to complete the online claim and develop digital skills
Support to get online, set up an email address, upload documents, make a claim for Universal Credit and verify identity can be done through the Citizens Advice ‘Help to Claim’ service. Call the Freephone number 0800 144 8444. Lines are open Monday to Friday 8am to 6pm.  

Knowsley FACE, the Council’s adult education team are working to support residents develop or improve their digital skills.
For further information or to book an appointment, please contact Michelle Daly, Curriculum Lead Officer, Knowsley FACE, email: michelle.daly@knowsley.gov.uk or telephone: 07810 053 971.
 
Other sources of money advice 
 
Many Registered Social Landlords, including Livv Housing and ForHousing, offer money advice to their tenants. Social tenants claiming Universal Credit should contact their Landlord to see what other support and advice they can provide.
 
Money advice is also available online through the Money Advice Service. Visit Money Manager for Universal Credit Claimants for support tailored to your needs.