Universal Credit and whg
|
|
- James Hunter
- 7 years ago
- Views:
Transcription
1 Universal Credit and whg
2 About whg LSVT from Walsall Council 27 th March ,342 properties Houses 1 in 5 people in Walsall Turnover around 86.5 million Over 70% of tenants claim full or part HB
3 whg s Risk Factors the usual suspects Direct Payment concerns Likely arrears increase Tenancy sustainability concern Identifying tenants for APAs Monthly in arrears budgeting cycle Online claims / Digital Inclusion Skills training/job readiness
4 Mitigations - Direct Debit whg aims for all customers on DD (or similar automated payment) Paperless, any day DD implemented DD now included in tenancy agreements We discuss DD payment in pre-tenancy process
5 Mitigations Credit Union Accounts If a tenant cannot set up a DD, we signpost to Walsave Credit Union 1apay account mimics a direct debit payment whg incentivises customers to set up a Walsave jam jar account Initial year s set up cost ( 18) Administration fee ( 5) means no transactions fees for 1 st year 10 credit into savings pot at outset 5 top-up if clear rent account maintained for 6 months
6 Mitigations Pre-tenancy process Pre-tenancy protocol overhauled Money advisor affordability assessment Credit checks if problems identified If budgeting issues are identified applicants are offered money management training Direct Debit or other automated payment required by tenancy agreement Credit Union accounts promotion
7 Capacity building Promoting customer employability and skills Confidence building courses work readiness courses paid work placements (Community Champions) Volunteering Works programme IT s Your Life digital inclusion courses
8 Financial Inclusion whg Financial Inclusion Team Money Advisors supplement existing Welfare Benefit and Debt Advice specialists Money Mentors aim to provide triage and general financial advice Signpost to specialist sources of help if needed Wincred financial inclusion partnership Joined up local approach to welfare benefit and debt advice provision
9 So far, so usual But we re also looking at The Rental Exchange Who s Home
10 The Rental Exchange Social enterprise by Big Issue Invest and Experian Social renters build credit score without additional debt Lifts social rent payers credit score in same way as mortgage payers
11 How Rental Exchange works Landlord decides to join Rental Exchange Fair Processing Notice to all tenants (DPA compliance) 28 day opt out period for customers HM system data put in RE schema Monthly rent records contributed to RE
12 Rental Exchange Potential Tenant Benefits Higher credit score means financial inclusion - may enable Opening a bank account Better access to loans / credit cards Better insurance terms Better mobile phone rates
13 Who s Home Cloud-based profiling tool Compares HM system residents with people Experian locates there Housing Partners realised application for bedroom tax and developed further Further developments help with UC whg is a development partner (but has no financial stake in the product!)
14 Who s Home How it works 1 Compares landlord HM system data to Experian data Identifies information mismatches Categorises mismatches into types or pots Each pot has a protocol for use specifying pot owner team leader access housing officer access Data refreshed weekly with Monitoring facility
15 Who s Home How it works 2 Who s Coming? Pre-tenancy checks affordability agenda, CCJ check Who s Gone? we can trace FTs through checks whg is bringing FTA collections back in house
16 Who s Home Desktop
17 How does Who s Home prepare us for UC? 1 Direct Debit pot tenants with medium/high DD usage paying other bills IC can prioritise discussing DD with them to prepare for direct payment under UC We know people in this pot are suitably banked
18 Financial distress indicator Financial distress indicator shows CCJs Early Money Advisor intervention Budgeting skills training Credit History Search if High financial distress Detailed credit history if credit score is poor Financial distress indicator will help us to make decisions on signing up risky tenants
19 Bedroom Tax bonus Who s Home gives accurate household compositions Gives dates from when people detected at address Compares with our property size We are able to lend weight to tenant appeals where appropiate
20 Any Questions?
21 Contacts Mark Causer whg Welfare Reform Specialist Charles Grundy Housing Partners Limited
All about... the cost of running a home
All about... the cost of running a home If this is going to be your first home, you may be surprised at all the costs connected with running a home. page 2 This guide aims to give an idea of the costs
More informationHelping customers manage their money. Ian Cory Business Improvement Facilitator Aster Communities & Synergy Housing Part of the Aster Group
Ian Cory Business Improvement Facilitator Aster Communities & Synergy Housing Part of the Aster Group Why do social landlords need to help customers manage their money? Reduces arrears Prevents evictions
More informationSafer Communities Overview and Scrutiny Panel 2 September 2014. Problem Debts and Loan Sharks Update
Safer Communities Overview and Scrutiny Panel 2 September 2014 Problem Debts and Loan Sharks Update 1. Introduction 1.1. The Environment and Safer Communities Scrutiny Panel undertook a review of problem
More informationIncome Collection Policy
Income Collection Policy Author: Gordon Steed, Tenancy Services Manager Version 1.1 October 2014 Glossary Court costs Forfeiture Key Performance Indicator (KPI) Lease Money judgment Possession order Rent
More informationB3: Bank accounts budgeting tool or obstacle?
Welfare Reform Keeping on Track B3: Bank accounts budgeting tool or obstacle? Speaker: Chair: Sian Williams Head of Financial Inclusion Toynbee Hall Lizzie Clifford External Affairs Manager National Housing
More informationEasy ways to pay rent
Information Leaflet Easy ways to pay rent We want to make it as easy as possible for you to pay your rent and other charges. We offer the following ways to pay: n Direct Debit (with a choice of dates,
More informationIF YOU OWE RENT YOU PUT YOUR HOME AT RISK
Paying Your Rent IF YOU OWE RENT YOU PUT YOUR HOME AT RISK Paying your rent and service charges is a condition of your tenancy agreement. Your rent is due every Monday, however with our agreement you can
More informationAPPENDIX 1. LB Lambeth Income and Debt Recovery Strategy 2015/17
APPENDIX 1 LB Lambeth Income and Debt Recovery Strategy 2015/17 For Lambeth council, responsible financial management is critical to enabling the delivery of over 100 core services efficiently and sustainably.
More informationTHE RENTAL EXCHANGE INTRODUCTION. Helping social tenants build a positive credit history to gain equal access to financial services
By Social Entrepreneurs For Social Entrepreneurs THE RENTAL EXCHANGE Helping social tenants build a positive credit history to gain equal access to financial services INTRODUCTION THE BIG ISSUE GROUP The
More informationP o l i c y 2008-2011. Housing Income Management. Page 7. Contact with our Customers. page 9. Housing Benefit. Page 12. Debt Collection Agencies
Corporate Debt P o l i c y 2008-2011 Housing Income Management Page 7 Contact with our Customers page 9 Housing Benefit Page 12 Debt Collection Agencies Page 14 Bankruptcy page17 Contents 2 Background
More informationThe Rental Exchange. Get recognised for paying your rent on time. A world of insight
The Rental Exchange Get recognised for paying your rent on time A world of insight We believe that you should get credit for paying your rent on time. That s why your landlord has joined the Rental Exchange
More informationSavings, Bank Accounts and Online Benefits. Peter Hughes
Savings, Bank Accounts and Online Benefits Peter Hughes Welfare Reform The benefits system is changing in Wigan from April 2013 Applications for Universal Credit will have to be made online The Government
More informationOldham s. Co-operative Housing Offer 2014 15
Oldham s Co-operative Housing Offer 2014 15 Welcome to Oldham s Co-operative Housing Offer St Mary s RTPI award wining new build scheme 2013 2 Oldham has an ambition to build a co-operative borough. We
More informationUPDATED. XyxxYy. Benefit Changes. The Government is cutting benefits. 1 in 7 people will be affected. Are you prepared?
UPDATED Benefit Changes XyxxYy The Government is cutting benefits. 1 in 7 people will be affected. Are you prepared? 1 XyxxYy ARE YOU PREPARED FOR UNIVERSAL CREDIT? Most people in Sheffield who currently
More informationReference: HSGPOL08 Recovery Document owner: David Stubbs Approved by: EMT Date approved: March 2014 Next review: March 17
Title: Former Tenant Arrears Reference: HSGPOL08 Recovery Document owner: David Stubbs Approved by: EMT Date approved: March 2014 Next review: March 17 FORMER TENANT ARREARS RECOVERY POLICY 1.0 Policy
More informationSupporting Social And Economic Inclusion: Winner
Supporting Social And Economic Inclusion: Winner The Wrekin Housing Trust And Partners: Financial Inclusion And Capability Summary Increasingly we are all required to take greater personal responsibility
More informationDebt Advice from Citizens Advice Bureaux in Oxfordshire. September 2010 V2.
Debt Advice from Citizens Advice Bureaux in Oxfordshire September 2010 V2. 1. Introduction There are eight Citizens Advice Bureaux in Oxfordshire. The Citizens Advice service provides free, independent,
More informationRent Arrears Recovery Policy
Rent Arrears Recovery Policy 2013-16 July 2013 Version 1.0 Version Control Policy Author Version Number Date Status Comments Finance and Incomes Manager Draft 1.0 24 July 2013 New Approval Body Effective
More informationThe Local Government Association (LGA) works with councils in England and Wales to support, promote and improve local government.
LGA Submission to the Financial Inclusion Commission 12 December 2014 The Local Government Association (LGA) works with councils in England and Wales to support, promote and improve local government. Context
More informationNewcastle City Council Corporate debt policy. December 2013
Newcastle City Council Corporate debt policy December 2013 1 This policy sets out our approach to collecting and recovering debt owed to us by businesses and residents. Introduction Newcastle City Council
More informationcustomer debt recovery
policy customer debt recovery Responsible Officer: Assistant Chief Executive Neighbourhoods Approved: March 2017 Review Date: August 2015 Version: 2 Date Ratified: March 2011 Scope: Incommunities Incommunities
More informationDeferred Payment Agreement Charging
Deferred Payment Agreement Charging What is a Deferred Payment Agreement? A Deferred Payment Agreement is an arrangement with the council that will enable you to use the value of your home to help pay
More informationINCOME RECOVERY POLICY
INCOME RECOVERY POLICY Policy Owner: Executive Director of Customer Services Accountable Lead Head of Customer Accounts Policy Control Policy Level Policy Reference Link to Strategy Version Control V.1
More informationWhat you need to know
Running an Aspire Home What you need to know Running a home can prove to be very expensive and if it s your first time it can be quite a scary experience. This booklet contains information and advice about
More informationWiltshire s Housing Management Financial Inclusion Plan 2014-2017
Wiltshire s Housing Management Financial Inclusion Plan 2014-2017 Contents Foreword Page 1 What will the Financial Inclusion Strategy achieve? Page 3 Background Page 4 Who is most likely to be affected
More informationA Guide to the Mortgage to Rent Scheme
a government initiative A Guide to the Mortgage to Rent Scheme The Mortgage to Rent Scheme is a government initiative to help homeowners who are at risk of losing their home. Contents 1. What is the Mortgage
More informationWelfare reform- overview of debt, money and advice services. Bob Cronk Head of neighbourhood services
Welfare reform- overview of debt, money and advice services Bob Cronk Head of neighbourhood services Background - Policy context In 2009 at the height of the credit crunch and beginning of the recession,
More informationnews Membership statistics update Under One Roof is the service for letting affordable rented homes in St Helens. In this issue...
news Under One Roof is the service for letting affordable rented homes in St Helens. May 2012 In this issue... Bid for a home online Find out more about our Under One Roof TV site Welfare Reform updates
More informationYour name: Name of your business: Your business address:
For mortgage intermediary use only please complete IN FULL Your NBS introducer code: Your name: Name of your business: Commercial mortgage application for a Partnership Please fill in every answer using
More informationCOMMUNITY LAW SERVICE (NORTHMAPTON & COUNTY) Response to Questions for NBC Social Welfare Reform Scrutiny Panel
COMMUNITY LAW SERVICE (NORTHMAPTON & COUNTY) Response to Questions for NBC Social Welfare Reform Scrutiny Panel Northampton Borough Council Scrutiny Panel Core Questions 1 Please would you provide a brief
More informationFinancial Inclusion Strategy and Action Plan 2015 2017
1.0 Our Intention Financial Inclusion Strategy and Action Plan 2015 2017 1.1. The overall aim of the Financial Inclusion (FI) Strategy and Action plan is to progressively combat and reduce financial exclusion
More informationA Guide to the Mortgage to Rent Scheme
a government initiative A Guide to the Mortgage to Rent Scheme A Guide for Applicants Contents 1. What is the Mortgage to Rent Scheme? 3 2. What are the benefits of the Scheme? 3 3. Who provides the Scheme?
More informationRenting a property fact sheet
Renting a property fact sheet Renting a property with Cornwall Council For a lot of people renting a house for the first time can be scary. But it doesn t need to be. In this fact sheet you will find information
More informationFERGUSLIE PARK HOUSING ASSOCIATION. Current Tenant Arrears Recovery Policy (ref: HS P7)
FERGUSLIE PARK HOUSING ASSOCIATION Current Tenant Arrears Recovery Policy (ref: HS P7) Committee Approval Date: Effective Date (post consultation) : Review Date : 1 1. Introduction Contents 2. Legislative
More informationCan I receive Housing Benefit for two homes?
Can I receive Housing Benefit for two homes? Claiming Housing Benefit for two homes Under the Housing Benefit rules, you can usually only receive Housing Benefit for the home you are living in. But, in
More information10 Questions you MUST ask before engaging a Property Manager!
10 Questions you MUST ask before engaging a Property Manager! 2 Contents Introduction 3 1. Who Owns and Runs the Company? 3 2. Is this a full time or part time business? 3 3. How is your company any different?
More informationNEW CHARTER HOUSING TRUST GROUP CORPORATE DEBT POLICY AND CODE OF CONDUCT OCTOBER 2011
NEW CHARTER HOUSING TRUST GROUP CORPORATE DEBT POLICY AND CODE OF CONDUCT OCTOBER 2011 Section 1 Corporate Debt Recovery Statement Section 2 Code of Practice for Collecting Debts Section 3 Guide to Repayment
More informationTRANSFER OF EQUITY APPLICATION FORM. This form should be used for Buy to Let and Let to Buy applications only.
TRANSFER OF EQUITY APPLICATION FORM This form should be used for Buy to Let and Let to Buy applications only. Account Number Please complete Names of Existing Borrowers: Title Mr Mrs Miss Ms Other First
More informationHomeBuy? What. www.southwesthomes.org.uk. South West Homes
South West Homes What is HomeBuy? HomeBuy is a name the Government has given to a suite of housing options available to people who wish to purchase a home but cannot do so without financial assistance,
More informationINCOME MANAGEMENT POLICY
INCOME MANAGEMENT POLICY 1. Principles 2. Aims 3. Methods * Arrears Prevention * Debt Recovery * Rent Accounting 4. Statutory and Regulatory Requirements 5. Performance Monitoring 6. Review 7. Date of
More informationWelfare Reform and older people in Scotland
Factsheet 60s January 2013 Welfare Reform and older people in Scotland About this factsheet This factsheet is for older people who live in Scotland. It provides basic information about the main changes
More informationPLEASE SUBMIT ONLY ONE (1) APPLICATION PER HOUSEHOLD EVEN IF YOU ARE INTERESTED IN MORE THAN ONE (1) PROPERTY. THANK YOU.
Dear Applicant: Thank you for your recent inquiry of occupancy at a Carabetta Management Company apartment community. Due to the nature of Federal Assistance provided for these properties, we are required
More informationApplication form for a Discretionary Housing Payment
Application form for a Discretionary Housing Payment The Council has a fund to provide extra financial help to people who get Housing Benefit, but are having trouble meeting housing costs. These payments
More informationReinvigorating Right to Buy and One for One Replacement. Information for Local Authorities
Reinvigorating Right to Buy and One for One Replacement Information for Local Authorities Reinvigorating Right to Buy and One for One Replacement Information for Local Authorities March 2012 Department
More informationBridgewater Housing Association Ltd Policy
Bridgewater Housing Association Ltd Policy Approved committee on by 5 August 1998 31 March 1999 26 April 2000 25 September 2002 30 November 2005 17 December 2008 Review Date: 16 December 2011 Ref: Arrears
More informationReport by Executive Director of Financial Services. Contact: Lynn Brown Ext: 73837 COPORATE DEBT POLICY
1 Glasgow City Council Executive Committee ITEM 4 24 th August 2007 Report by Executive Director of Financial Services Contact: Lynn Brown Ext: 73837 COPORATE DEBT POLICY Purpose of Report: The purpose
More informationVela Debt Recovery Policy
Vela Debt Recovery Policy Overview The scope of this policy is to establish a framework for the recovery of a range of debts which includes:- current and former tenant arrears current and former recharge
More informationHOUSING BENEFIT MONEY ADVICE TAX ESA CREDITS PENSION CREDIT JOBSEEKER S ALLOWANCE BEDROOM RENT/ FACTORING ARREARS TAX. Benefits & Debt Services Guide
TAX CREDITS JOBSEEKER S ALLOWANCE MONEY ADVICE ESA HOUSING BENEFIT PENSION CREDIT RENT/ FACTORING ARREARS BEDROOM TAX Benefits & Debt Services Guide We know that the benefits system can be complex and
More informationPriority debt strategy chart
Priority debt strategy chart Compiled by Meg van Rooyen, Policy Manager and Deborah Shields, Information Manager, Money Advice Trust. Last updated February 2012 Using this list of sanctions as a guide,
More informationBudgeting and debt advice handbook for residents
Budgeting and debt advice handbook for residents Step-by-step guide Contents Introduction...................... 3 Income maximisation List your income Can you increase your income? Income..........................
More informationUniversal Credit. Local Support Services Framework
Universal Credit Local Support Services Framework February 2013 Contents Ministerial Foreword 3 Local Authority introduction 5 Executive summary 6 Section 1: Overview and purpose 7 Section 2: Context and
More informationA GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA
A GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA Issued: 17 May 2016 Contents Introduction. 3 Summary 3 Purpose of borrowing. 3 Status... 4 Foreign nationals.. 4 Impaired credit 4 Income 5 Age 5 Mortgage
More informationWELFARE REFORM UPDATE
APPENDIX B WELFARE REFORM UPDATE Benefit Cap The Benefit Cap is currently being implemented in Portsmouth. Household benefit payments will be capped at 500 per week for a family or single parent or 350
More informationMember Scrutiny Panel draft report on Debt Counselling
Member Scrutiny Panel draft report on Debt Counselling 1. Introduction The Scrutiny Management and Review Sub-Committee approved a short topic review into Debt Counselling Services in December 2007. The
More informationA place to call home : Housing and Homelessness Strategy 2014 2019. Action Plan for Objective 4 support independence and prevent homelessness
A place to call home : Housing and Homelessness Strategy 2014 2019 Action Plan for Objective 4 support independence and prevent homelessness A: Prepare people for independent living, and help them maintain
More informationwww.helptobuysw.org.uk
Help to Buy South West Application Form Please circle the correct answers Would you consider buying a home? Would you consider renting a home? Yes / No Yes / No I/We can confirm that our household income
More informationEAST AYRSHIRE COUNCIL CABINET: WEDNESDAY 13 MARCH 2013 WELFARE REFORM UPDATE ON IMPLEMENTATION ARRANGEMENTS
EAST AYRSHIRE COUNCIL CABINET: WEDNESDAY 13 MARCH 2013 WELFARE REFORM UPDATE ON IMPLEMENTATION ARRANGEMENTS Report by the Executive Director of Finance and Corporate Support 1. PURPOSE OF THE REPORT 1.1
More information4. AN ORIGINAL OF YOUR I.D., SOCIAL SECURITY CARD, AND BIRTH CERTIFICATE WILL BE REQUIRED WHEN SUBMITTING THIS APPLICATION!!
UNITED MANAGEMENT II Dear Prospective Applicant: The following items listed below are the required documentation that must be verified before your application can be accepted for processing: 1. Fully completed
More informationJOB DESCRIPTION. Main Purpose of Job Support the Income Services Manager to:
JOB DESCRIPTION Job Title: Responsible To: Main Purpose of Job Support the Income Services Manager to: Court & Income Officer Income Services Manager Deliver a high quality services to customers Maximise
More informationRent Payment and Collection under Universal Credit. Guidance for social landlords. Produced with financial support from the Scottish Government
Guidance for social landlords Rent Payment and Collection under Universal Credit Produced with financial support from the Scottish Government www.cihscotland.org your work is our business The Chartered
More informationto vote on borrowing Member s resolutions. This is further explained in the Society s Rules (a copy is available on request).
Mortgages Explained 2 This brochure answers some of the more common questions that you may have about how your mortgage works and the relationship between the Society and its borrowers. Please read it
More informationAPPENDIX A. Invitation to Tender Specification for Welfare and Debt Advice Services
APPENDIX A Invitation to Tender Specification for Welfare and Debt Advice Services Section 1 Service Specification Service Welfare and Debt Advice Services Period 1 st July 2016 30 th June 2019 1. Purpose
More informationIntroducing CrowdLords for LandLords. Crowdfunding for the Buy-to-let market - directly connecting LandLords and Investors
Introducing CrowdLords for LandLords Crowdfunding for the Buy-to-let market - directly connecting LandLords and Investors What is Crowdfunding? Crowdfunding is the concept of using a combination of several
More informationCORPORATE DEBT RECOVERY
KEY POLICY: FINANCE CORPORATE DEBT RECOVERY 1.0 Key Strategic Links This strategy links to all corporate objectives in that it seeks to be responsible with and accountable for public finances, which is
More informationRENT COLLECTION, ARREARS & DEBT RECOVERY POLICY
RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY Approved by Board 21 July 2009 1. Introduction 1.1 This Policy sets out the principles and approach to be taken in making sure that rent and service charge
More informationOpening a bank account
Section 6 - Money4_7_Layout 1 10/01/2011 11:42 Page 124 Money Section 6 Opening a bank account 125 Borrowing money 127 Budgeting and managing your money 129 124 Money Opening a bank account Opening a bank
More informationApplication Reduced Repayment Form for Alternative Mortgage Repayments
Application Reduced Repayment Form for Alternative Mortgage Repayments DOCUMENTS CHECKLIST Borrower 1 Borrower 2 Valuation Fee A property valuation must be carried prior to the assessment of all Voluntary
More informationSelf Build Mortgage Application Form. Stage 2 of 2
Self Build Mortgage Application Form Stage 2 of 2 Please submit stage 2 form to BM Solutions PMP, Birmingham Midshires PO Box 136 Wolverhampton WV9 5HZ to upgrade to full application once customer has
More informationRobertson Property Management Sole Agency Agreement
Robertson Property Management Sole Agency Agreement You should read this document thoroughly. If you have difficulty in understanding any of the terms or conditions laid out in this document, it is recommended
More informationDEFERRED PAYMENT AGREEMENT. Information Pack for our service users and their families or representatives
12 WEEK PROPERTY DISREGARD PERIOD AND THE DEFERRED PAYMENT AGREEMENT Information Pack for our service users and their families or representatives What is the 12 week Property Disregard Period? The Council
More informationSTART UP LOANS PRIVACY AND DATA PROTECTION TERMS AND CONDITIONS
START UP LOANS PRIVACY AND DATA PROTECTION TERMS AND CONDITIONS Table of Contents 1. ABOUT THIS POLICY... 3 2. WHO WE ARE AND WHO IS RESPONSIBLE FOR YOUR PERSONAL DATA... 3 3. WHERE WE COLLECT YOUR PERSONAL
More informationJob Description Job Title: Welfare Benefits Advisor Prepared by: Peter Hannon Business Unit: Housing Services Date: 30th April 2010 Indicative Grade:
Job Description Job Title: Welfare Benefits Advisor Prepared by: Peter Hannon Business Unit: Housing Services Date: 30th April 2010 Indicative Grade: SO2 Purpose of the job: Produce and promote welfare
More informationThe Association will take all possible steps to recover former tenant arrears
B7.1 FORMER TENANTS ARREARS POLICY B7.1.1 B7.1.2 B7.1.3 B7.1.4 B7.1.5 The Association will take all possible steps to recover former tenant arrears Where appropriate, the Association will pursue the debt
More informationDeferred Payments. Information for people moving into residential care who own a property
Deferred Payments Information for people moving into residential care who own a property Deferred Payments The Deferred Payment Scheme is designed to help you if you have been assessed as having to pay
More informationHOUSING SYSTEMS: BRIEFING
HOUSING SYSTEMS: BRIEFING 01/2016 Homes affected by floods- impact on Housing Benefit / Universal Credit The recent flooding has left many tenants having to live in temporary accommodation. This is a guide
More informationBenefits, Debts & Money Management. A brief guide for Aspire customers on what help and support is available for money and benefit issues
Benefits, Debts & Money Management A brief guide for Aspire customers on what help and support is available for money and benefit issues Do you need help managing your money? Can you or anyone in your
More informationA HOME OF YOUR OWN. A Guide to Low Cost Housing in Hounslow for People on Moderate Incomes and for Key Workers
A HOME OF YOUR OWN A Guide to Low Cost Housing in Hounslow for People on Moderate Incomes and for Key Workers WHAT IS LOW COST HOUSING? Low Cost Housing is a general term for a number of schemes aimed
More informationDiscretionary housing payment and council tax reduction scheme application form
Discretionary housing payment and council tax reduction scheme application form To qualify for a discretionary housing payment to help with your rent you must be getting housing benefit, or housing costs
More informationSection 1: Our assessment of the importance of housing for wellbeing in Scotland
Commission on Housing and Wellbeing Consultation 2014 North Lanarkshire Council Response Section 1: Our assessment of the importance of housing for wellbeing in Scotland Q1 Has our assessment of housing
More informationMoney and Debt Advice
Money and Debt Advice Introduction Hyde Plus provides confidential, unbiased advice on a range of money-related topics, no matter how big or small the money worry. This booklet will provide you with some
More informationMortgage Arrears Resolution Process
Mortgage Arrears Resolution Process AIB Mortgage Arrears Resolution Process A practical guide for AIB mortgage customers. Drop in to any branch 1890 252 008 www.aib.ie Working together to find resolutions.
More informationHousing options for single parents
Formed from the merger of the National Council for One Parent Families and Gingerbread Factsheet For single parents in England and Wales February 2012 Freephone 0808 802 0925 Gingerbread Single Parent
More informationYour name: Name of your business: Your business address:
For mortgage intermediary use only please complete IN FULL Your NBS introducer code: Your name: Name of your business: Commercial mortgage application for a Company Please fill in every answer using block
More informationTenant Letting Check Understanding Reports January 2013
Tenant Letting Check Understanding Reports January 2013 Comprehensive Reports The Tenant Assessment reports are divided into seven separate sections, each providing different information, all of which
More informationDeferred Payment Agreement (DPA) Fact Sheet
Deferred Payment Agreement (DPA) Fact Sheet From April 2015, all councils in England are required to provide a Deferred Payment scheme for local residents. This will apply to anyone who owns a property
More informationTITLE Version: 1. Policy Statement
TITLE Version: Rent and Service Charge Collection and Debt Recovery Policy v.3 Review Date: September 2016 Lead officer(s) & Author: Simon Brooke Customer Approved Date: Customer panel April 2013 Approved
More informationProviding. more than a room. Guide to benefi ts, tax and insurance. The four agency SUPPORTED LODGINGS project May 2011
The four agency SUPPORTED LODGINGS project May 2011 funded by Communities and Local Government Providing more than a room Guide to benefi ts, tax and insurance The Four Agency Supported Lodgings Project
More informationAffordable Housing Your Guide to the Rent to Buy Scheme
Affordable Housing Your Guide to the Rent to Buy Scheme 2 If you need this document in another format please contact us. Affordable Housing Your Guide to the Rent to Buy Scheme What is the Rent to Buy
More informationAssistance in the private sector. 11 Rent assistance in the private market...28. 12 Home ownership assistance...31
Assistance in the private sector 11 Rent assistance in the private market...28 12 Home ownership assistance...31 27 11. Rent assistance in the private market Rent assistance to tenants in the private rental
More informationDeferred Payment Agreement Scheme
Adult Social Care and Health Deferred Payment Agreement Scheme Information about the Council s Deferred Payment Agreement Scheme an option to help you manage care home costs if you own your property www.reading.gov.uk/carecharges
More informationUnderstanding and dealing with Debt A guide from KBC Bank Ireland
Home Mortgages Understanding and dealing with Debt A guide from KBC Bank Ireland 1850 930 235 kbc.ie KBC Bank Ireland plc is regulated by the Central Bank of Ireland. 1 - Your Mortgage with KBC Bank Ireland
More informationFACT SHEET. Money matters. Paying bills
12 FACT SHEET Money matters This fact sheet provides advice and information about how best to manage your money to make it easier to manage your household expenses. It also provides details of agencies
More informationHow To Apply For A Disability Pay Out Of Pocket Pensioner Benefits
Discretionary Housing Payments CLAIM: NAME: Please tick the main reason for your application for DHP (tick one box only) 1. Local Housing Allowance and Under 35 years old 2. Under Occupancy 3. Total Benefits
More informationPaying for your Care in a Home The Council s Deferred Payment Scheme. Introduction
Paying for your Care in a Home The Council s Deferred Payment Scheme Introduction Our leaflet A Guide to entering a care home explains how you can ask the Council to help you with the cost of your care
More informationYou ll make affordable monthly payments based on your situation
You ll make affordable monthly payments based on your situation We may be able to freeze/reduce any interest and charges We deal with your creditors for you, and letters and phone calls should decrease
More informationNORTH EAST DERBYSHIRE DISTRICT COUNCIL
NORTH EAST DERBYSHIRE DISTRICT COUNCIL Housing and Council Tax Benefit Benefits advice In this booklet: do you need help to pay your rent or Council Tax? Contents: are you entitled? claim now What are
More informationPenge Churches Housing Association. Business plan 2015-2018 (amended 1 st March 2016)
Penge Churches Housing Association Business plan 2015-2018 (amended 1 st March 2016) Contents Page Introduction 2 Purpose 3 Governance 4 Organisation structure 6 Current activities 7 Our tenants 9 Our
More informationHOW MUCH HOUSE CAN YOU AFFORD?: STUDENT HANDOUT
INDIVIDUAL BORROWING LESSON: HOW MUCH HOUSE CAN YOU AFFORD?: STUDENT HANDOUT Congratulations! You were able to save and invest more than 10 percent of your budget over a few years, and you now have $10,000
More informationAPPLICATION FOR FINANCIAL ASSISTANCE
APPLICATION FOR FINANCIAL ASSISTANCE BEFORE COMPLETING THE APPLICATION FORM, PLEASE CAREFULLY READ THE NOTES BELOW. When you have completed the application form, you should detach these notes and keep
More informationCrisis Policy Briefing Housing Benefit cuts. July 2012
Crisis Policy Briefing Housing Benefit cuts July 2012 Crisis Policy Briefing: Housing Benefit cuts 2 Overview Housing Benefit is vital in supporting people with their housing costs and in ensuring people
More information