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.
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.
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.
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.
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.
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.
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)
Alabare offers tenancy support, help with budgeting, form filling and welfare benefit checks in Torridge.
Telephone: 01237 425922
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.
Telephone: 01237 428700
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.
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
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
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)
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'
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
Drug and Alcohol Addiction and Rehab Advice - confidential help and advice. Get advice available to ensure you and those you love get the help you need to be free of addiction. Call for expert advice on what is best for your needs; our advisors take into account your condition, circumstances, budget and all other factors. Tel: 0800 088 6686.
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.
Stepchange Debt Charity - advice online or over the telephone: Mon-Fri 8am to 8pm, Sat – 8am to 4pm
Telephone: 0800 138 1111
National Debt Line, offering information and advice Free online debt advice.
www.nationaldebtline.org Telephone: 0808 808 4000
Money and Pension Service formed in 2019, supported by the UK Government and combining the Money Advice Service, Pension Wise and Pension Advisory Service.
Money Advice Service – free guidance on all aspects of managing your income and expenditure.
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.
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
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.
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.
Telephone: 0800 138 3944
Pension Advisory Service provides free advice and help with tracing lost personal pensions.
Telephone: 0800 011 3797
Local services in Devon – web-based directory of services.
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.
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.
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
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.
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
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
Torridge Volunteer Cars community transport charity ring at least 2 working days in advance.
Telephone: 01237 237200 Mon – Fri 9.30am to 13.00pm
Travel Devon – Community transport information and links to local voluntary organisations in your area.