Keeping Hush? We find it interesting that the DWP have not widely publicised the existence of additional help that people making new claims may be entitled to. Before the recent welfare reforms came into effect on 1/4/13 that saw the end of Crisis Loans, customers who were waiting for a new claim to benefits to… Read More


How Does this effect you? From 8 April we will start to make the first Armed Forces Independence Payments to eligible service and ex-service personnel. Armed Forces Independence Payment (AFIP) has been designed to provide financial support to service personnel and veterans seriously injured as a result of service, to cover the extra costs they… Read More

What is Social Fund Reform and when does it happen? Social Fund Reform addresses the need to simplify processes and ensure that the right support is targeted at those in genuine need, as part of the wider Welfare Reform agenda. The main change is that the discretionary Social Fund (Crisis Loans and Community Care Grants)… Read More


300,000 families better off under new benefit system The next step in the government?s radical welfare reform programme will begin early, in parts of Greater Manchester and Cheshire, from April. The newly unemployed will be the first to claim Universal Credit, which replaces a number of means tested benefits including Jobseeker?s Allowance, Income Support, Employment… Read More

Unviversal credit

As part of the welfare reform including the changes to Budgeting Loans and Crisis loans a new benefit has been lanched aimed at replacing many o fthe existing benefits and tax credits system. The Unversal Credit was launched at the begining af April 2013 in two pilot arears, these areas include Manchester and Chelsea. The… Read More

At the moment Budgeting loans are paid as cash directly into applicant bank accounts if accepted, this means that the Government has no way of knowing what the Budgeting Laon has been spent on, or that it has been spent on any of the items that it was granted to pay for. Should Budgeting Loans… Read More

Loan help and advice

Our aim to to provide clear and up-to-date advice based on general questions that you may have, we can not offer personalised finacial advice and ? We will: Offer a way to ask questions Research the answer Reply with links to relevent information Provide forms Provide general advice   All we need is your question… Read More

What is a budgeting Loan

Using a Budgeting loan to spread the cost of larger items when you are on benefits, is a sensible option for most as it allows those on lower incomes to buys goods that they need without having to use all of their benefits at once allowing them to budget effectively. There is no stigma attached… Read More

Budgeting Loan Criteria

As you may be aware, as part of the new welfare bill set out by the coalition Government Crisis Loans came to an end on March 31st 2013, however it is still possble to apply for and be awarded a Budgeting loan as they were not made from the discretionary social fund, and as such… Read More