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Useful Money Saving and Debt Advice Links for Torridge provided by Wis£rmoney

 

Transitions, funded by The Community Fund and delivered by the Wis£rmoney partnership provides free and confidential benefits, money and debt advice in rural Torridge and West Devon for those that cannot access mainstream advice services.  Offers home visits and telephone advice. 

www.navigatecharity.org.uk/make-a-referral/

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.            

Telephone: 01823 299050     8.30am to 4.30pm Monday to Friday

 

Citizen’s Advice (TNMWDCA): is a local Charity that provides free, independent, confidential and impartial advice on all subjects to members of the local community that require it. We also campaign on big issues affecting people’s lives. Our goal is to help everyone find a way forward, whatever problems they face. 

Offices in

Holsworthy, Holsworthy Training & Business Centre, Western Road, Holsworthy, Devon, EX22 6DH.  1st and 3rd Wed of the month 10am to 3pm. By appointment only.

Bideford – 13 Bridgeland St, Bideford, EX39 2QE.

10 to 3pm Mon, Tues, Thurs & Fri (Wed closed) just drop-in, and

Torrington, Castle Hill, Torrington, EX38 8AA  

Tues 9.30 to 12.30 just drop-in or phone for an appointment.  

www.ruraldevoncab.org.uk         

https://www.citizensadvice.org.uk/   

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Telephone: 03444 111 444     9.30 to 4pm Mon to Fri to make an appointment.

Holsworthy appointments Telephone: 01237 473161

A long-standing Debt advice project funded by Citizens Advice in a contract with Money Advice Service. http://www.ruraldevoncab.org.uk/project/caecusmolior

 

Help to claim Universal Credit Citizens Advice can provide initial assessment and guidance for Universal Credit claims at their local offices (see above) during opening hours. From the online application, through to support with your application before your first full payment.

It’s a free, independent, confidential and impartial service provided by trained advisers from Citizens Advice. They can help with things like how to gather evidence for your application or how to prepare for your work coach appointment. 

www.citizensadvice.org.uk/helptoclaim/#h-our-help-to-claim-service                                               

Helpline: Telephone: 0800 144 8444 Advisers are available 8am to 6pm, Monday to Friday.              

Chat on line: https://www.citizensadvice.org.uk/aboutus/contact-us/contact-us/web-chat-service/     

Monday to Friday 10am to 4pm

 

Christians Against Poverty (CAP) provide free debt advice in the client’s home as well as running Life Skills, Fresh Start Groups and free Money Management Courses.  For more information on the service please contact:  Ben Warrender, North Devon and Torridge Centre Manager.

https://capuk.org

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Telephone:  07383 741901 

Monday to Thursday 9.30 – 5.00

Friday 9.30 – 3.30

 

Quids 4 Kids (CAB Devon) offers families in Devon with a child with special needs or a long term illness or disability help with benefit, tax credit claims & appeals. Also, young people aged 16-21 with a special need or a disability.

www.cabdevon.org.uk/quids-for-kids/    

Telephone:  0300 5000 404

You can also refer using an online referral form on the website.

 

TTVS Financial Inclusion Project helping people aged 65 years + living in Bideford with benefit checks, form filling, budgeting and accessing grants.  Offers home visits. 

Denise Seaton Financial Inclusion Worker       Telephone:  01237 459337 (Thursdays and Fridays only)

Email: This email address is being protected from spambots. You need JavaScript enabled to view it. 

www.torrage.org.uk           

                                                                  

Alabare offers tenancy support, help with budgeting, form filling and welfare benefit checks in Torridge.

www.alabare.co.uk   

Telephone:  01237 425922

Linda Adams email: This email address is being protected from spambots. You need JavaScript enabled to view it.   

 

Housing Options Torridge District Housing advice if you are at risk of becoming homeless, help with finding accommodation and rent deposit loans, if you are on a low income, housing benefit and registering on Devon Home Choice.

www.torridge.gov.uk/article/11555/Housingoptions  

Telephone:  01237 428700

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Bideford Job Centre Plus   North Bank House, North Road, Bideford EX39 2NR. Every Job Centre has a Vulnerable Customer Team who can help claimants who have physical, mental health or learning disability.

New Benefit Claims: Telephone:  0800 055 6688

Existing Benefit Claims: Telephone: 0800 169 0310 Universal Credit or Cancel or change a jobcentre appointment Telephone: 0800 328 9344

 

Positive People provide help and advice to unemployed individuals aged 25 years plus. Offer learning, using computers, building confidence, team building and applying for work.

www.positive-people.org.uk/about                     

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Telephone: 0800 334 5525

 

RABI (Royal Agricultural Benevolent Institution) Offer: help, advice & grants for individuals linked to farming. 

www.rabi.org.uk   Telephone: 0808 2819490                   

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The Farming Community Network supports farmers and families within the farming community through difficult times. 

Urgent helpline Telephone: 03000 111 999 7am-11pm    

Telephone:  01788 510866   9am – 5pm

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

www.fcn.org.uk

 

Perennial Advice & Support for those individuals and families working or have worked in the horticulture industry.  Offers advice in the areas of housing, accommodation, disability, long-term illness, financial hardship, bereavement or the unique challenges that come with old age.

Call free of charge and in complete confidence:

Telephone:  0800 093 8543 (Mon-Fri 8.30 am – 5.00pm)

Or email: mailto:This email address is being protected from spambots. You need JavaScript enabled to view it.

www.perennial.org.uk

 

Royal British Legion and SSAFA: offers help, advice & grants to members of the armed services, veterans, reservists and their families.

www.britishlegion.org.uk   Telephone: 0808 802 8080

www.ssafa.org.uk      Telephone: 0800 731 4880

 

Age UK   and Independent Age offer help and advice for older people.

www.ageuk.org.uk     or www.independentage.org

 

Macmillan free and confidential advice for individuals and families who are affected by cancer and other life limiting conditions on their benefit entitlements.

www.ruraldevoncab.org.uk     search for Macmillan under 'projects'                                      

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Telephone: 0845 894 9567          

                                      

National Macmillan Support Line                      

Telephone: 0808 808 00 00

Open every day, 8am – 8pm    www.macmillan.org.uk/cancer-information-andsupport/get-help/financial-help/welfare-rightsadvice

 

North Devon Sunrise – aim to challenge discrimination and celebrate diversity.  Sunrise provide a professional one to one information and advocacy support service, helping individuals to find positive outcomes to short and long-term issues that may impact on your life including: addressing racism and discrimination, immigration, benefits and access to social support and housing.

For more information please feel free to contact on a confidential basis:

  • Drop into our offices between Monday to Thursdays from 10am – 5pm.
  • Give us a call on 01271 328915.
  • Email us on This email address is being protected from spambots. You need JavaScript enabled to view it.

www.northdevonsunrise.org

 

Stepchange Debt Charity - advice online or over the telephone:  Mon-Fri 8am to 8pm, Sat – 8am to 4pm 

www.stepchange.org

Telephone: 0800 138 1111 

 

National Debt Line, offering information and advice Free online debt advice.

www.nationaldebtline.org   Telephone:   0808 808 4000

www.mymoneysteps.org

 

Money and Pension Service formed in 2019, supported by the UK Government and combining the Money Advice Service, Pension Wise and Pension Advisory Service.

https://maps.org.uk/  

 

Money Advice Service – free guidance on all aspects of managing your income and expenditure.

www.moneyadviceservice.org.uk   

Telephone: 0800 138 777

 

Help to Save is a type of savings account. It allows those entitled to Working Tax Credit and receiving Child Tax Credit or receiving Universal Credit and your household earned £569.22 or more from paid work in your last monthly assessment period. The saving account offers a 50p bonus for every £1 saved over 4 years.  

https://www.gov.uk/get-help-savings-low-income  

You apply online https://www.gov.uk/get-helpsavings-low-income/how-to-apply  via the Government Gateway. Follow link above for more information and to apply.

Help to Save is backed by the government so all savings in the scheme are secure.

 

Benefit and Grant Calculator

www.turn2us.org.uk  

and

https://www.entitledto.co.uk/

 

Government Services                                            

Help with applying for Attendance Allowance. 

Help with applying for Pension Credit.                

If you do not have help and are vulnerable you can ask for the DWP Visiting Team to visit you at home.

www.gov.uk

Attendance Allowance Help Line Telephone: 0800 7310122

Pension Credit Help Line Telephone:  0800 991234     

       

Pension Wise free and impartial government guidance about your defined contribution pension options. 

www.pensionwise.gov.uk/en  

Telephone: 0800 138 3944

 

Pension Advisory Service provides free advice and help with tracing lost personal pensions.

www.pensionsadvisoryservice.org.uk

Telephone: 0800 011 3797

 

Local services in Devon – web-based directory of services.

www.devonservices.org.uk www.pinpointdevon.co.uk

 

361Energy provide free energy home check, help with improving your home’s energy efficiency, switching energy provider and benefit check.

www.361energy.org  Telephone: 01271 599361

 

Warm Home Discount if you are on a low income and in receipt of certain benefits, talk to your energy provider about the Warm home Discount, £140 off your bill and check if you are on the best tariff.

www.gov.uk/the-warmhome-discount-scheme/

 

South West Water (SWW) provides help with dealing with water debts. Restart which offers a lower water bill based on your ability to pay.  A lower water tariff named WaterSure Plus for those using more water because of a medical condition or have three or more children under 19. WaterCare for those on a low income and receiving a means tested benefit. The Water Care Team are SWW advisors that can visit customers in their own home who would find completing the application forms difficult to advise on applying for a lower tariff.

www.southwestwater.co.uk

South West Water ‘debt line’ Telephone: 0800 083 0283

South West Water Telephone:0344 346 1010  To be eligible for help you will have to have a water meter or have one fitted. This is free. If you can’t have a water meter fitted ask about an assessed charge.

Water Care Team                                               

Email: This email address is being protected from spambots. You need JavaScript enabled to view it. Telephone: 0344 346 1010

 

Water Debt Gateway for South West Water customers who are in debt or struggling to pay their water bill and would benefit from more specialist advice Plymouth Citizens’ Advice Bureau offer a Restart help line service. You need your SWW customer reference number so the FreshStart team can get access to your water debt account.

https://citizensadviceplymouth.org.uk/waterdebt-gateway  

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Telephone:   01752 502697 or 01752 502698  

 

Report A Scam

Phone or visit the action fraud web site or contact Citizen’s advice.

Telephone scams.   www.friendsagainstscams.org.uk/callblocker

www.actionfraud.police.uk  or Telephone: 0300 123 2040

www.citizensadvice.org.uk/scamsaction/ Telephone: 0300 330 3003   

Mon to Friday 9am to 5pm

Get advice and report a Loan Shark

www.gov.uk/report-loan-shark                               

Telephone: 0300 555 2222 or Text LOAN SHARK

 

Northern Devon Foodbank Bideford Branch      

Offer 3-day emergency food packs. Food can only be accessed with a valid foodbank voucher issued by a local agency like Citizens’ Advice, Children’s Centre. 

Telephone: 01237 422243  

www.northerndevon.foodbank.org.uk  

Email:   This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Torridge Volunteer Cars community transport charity ring at least 2 working days in advance.

Telephone: 01237 237200 Mon – Fri 9.30am to 13.00pm

www.torridgevolunteercars.co.uk  

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Travel Devon – Community transport information and links to local voluntary organisations in your area.

www.traveldevon.info/accessibility/communitytansport/

 

March 2021. The contact details in this list were gathered by Transitions and are subject to change. If any of the information is incorrect please let us know so we can update and add to it. Contact Julie Matthews, Partnership and Social Policy Lead: This email address is being protected from spambots. You need JavaScript enabled to view it. 

 

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