Money and debt advice

We work in partnership with the Citizens Advice Bureau (CAB) to provide homeowners and tenants with free, independent and confidential advice about benefits and debt. We are also partners with debt advice charity StepChange which offers free and confidential debt advice to residents over the phone and online.

Our financial inclusion officer offers more in depth one-to-one support with budgeting, making the most of your income and reducing debts.

Benefits advice

We can provide advice and support on issues relating to benefits such as:

  • which benefits you may be entitled to
  • how to go about claiming them
  • help with completing benefits claims forms
  • what the benefit cap means for you
  • if you claim housing benefit, what the ‘bedroom tax’ means for you
  • if you receive council tax benefit, what the new local contribution requirements mean for you
  • what the switch to Universal Credit means for you and how direct payments will affect the way you pay your rent.

We hold a Citizens Advice Bureau benefits advice surgery at our offices on Kensal Road, W10 5BN, every Friday from 9.30am – 12.30pm (no appointment needed) and 1.30pm – 4.30pm (appointments only).

Debt advice

We can help you manage any debts you have. If you are having problems paying your rent or mortgage, or are struggling to repay debts from credit cards, fuel payments, overdrafts or bills from mail order catalogues, we can offer practical guidance. The sooner we talk to you, the sooner we can help you to resolve the problem.

If you owe us rent, it is important that you respond to us when we try to contact you by phone, letter, email or other means, and that you keep any appointments we make to meet with you. If you cannot pay what you owe, we can make an agreement for you to pay it off in stages.

We hold a Citizens Advice Bureau debt advice surgery at our offices on Kensal Road, W10 5BN, every Thursday from 9.30am – 12.30pm (no appointment needed) and 1.30pm – 4.30pm (appointments only).

Budgeting advice

We can help you to manage your money better by:

  • working with you to develop a budget for your household
  • helping you to identify suitable bank accounts and related financial products, including affordable credit
  • referring you to specialist agencies for advice on utilities, welfare benefits, debt, hardship grants and help with jobs and training.

How to contact us for advice on money and debt

All our debt, budgeting and benefits advice services provide practical guidance and tools to help you manage your money more effectively. Any information you provide is kept completely confidential and does not affect your residency in any way. The StepChange service can be accessed anonymously if you prefer.

Please contact the home ownership team or come along to one of our surgeries. You can contact them via the details above.

You can also contact debt advice charity on 0800 138 1111 (free from all phones, including all mobiles) or through their website.

Online - My account

Contact us securely about any queries

020 8354 5500

Ask for the homeownership team

Ask us online

If you do not have an Octavia account you can still tell us on line via a form here

0800 138 1111

Call Stepchange directly