Introduction
Are you struggling with debt or rent arrears while on Universal Credit? This article provides essential guidance on navigating financial challenges and accessing the support available to you. From requesting advance payments to adjusting your payment schedule, we’ll help you understand your options. If you need additional assistance, Contend’s highly trained AI legal experts are here to provide personalised support and help you resolve your legal issues. With Contend, getting legal help in the UK has never been easier.
If you’re receiving Universal Credit or have recently applied for it and are facing financial difficulties, there are various forms of assistance available to help you manage your debts and rent payments.
Getting Your Money Sooner
Typically, your first Universal Credit payment will arrive about five weeks after you submit your application. However, if you’re in a tough spot and need money before this period ends, you can request an advance payment. This is essentially a loan that you will repay through deductions from your future Universal Credit payments. To learn more about how to apply for an advance payment, you can visit this link.
Managing Debt Payments
If you’re currently repaying debts to creditors or a debt management company, it’s crucial to communicate with them about your situation. Let them know that you’ve applied for Universal Credit and that your first payment will take some time to arrive. Ask if they can allow you to make a late payment or freeze interest on your debts until you receive your funds.
Creating a budget can also be beneficial. You can use online budgeting calculators to help you plan your finances more effectively. Additionally, if you need more support, consider trying Contend’s legal expert chat for guidance on managing your debts.
Adjusting Your Payment Schedule
If you find it challenging to manage your Universal Credit payments, you can request alternative payment arrangements. This could include:
- Having your housing costs sent directly to your landlord instead of being included in your Universal Credit payment.
- Receiving your Universal Credit payments twice a month instead of once.
- Getting separate payments from your partner if you’re both on Universal Credit.
Who Can Request Alternative Payment Arrangements?
You may qualify for these arrangements if you meet any of the following criteria:
- You are in debt or have rent arrears.
- You have a disability or mental health condition.
- You are currently homeless or at risk of losing your home.
- You have faced domestic violence.
- You have difficulties with reading or writing.
- You are living in temporary or supported accommodation.
- You are between 16 and 17 years old or leaving care.
- You have an addiction to drugs, alcohol, or gambling.
If you’re struggling for other reasons, it’s still worth reaching out to see if you can receive support. Try Contend’s legal expert chat for assistance.
How to Request Alternative Payment Arrangements
If you’re applying for Universal Credit, mention your need for an alternative payment arrangement during your interview. If you’re already receiving Universal Credit, you can call the Universal Credit helpline for assistance.
Universal Credit Helpline:
- Phone: 0800 328 5644
- Welsh Language: 0800 328 1744
- Textphone: 0800 328 1344
- Relay UK: 18001 then 0800 328 5644 (for those who are deaf or hard of hearing)
You can also use video relay services if you communicate using British Sign Language.
Addressing Rent Arrears
If you’re behind on rent, it’s essential to seek advice as soon as possible. Falling two months or more behind can lead your landlord to request that part of your Universal Credit be paid directly to them. While this can help you manage your rent arrears, you must continue making your regular rent payments.
If this direct payment impacts your ability to cover everyday expenses, such as food or bills, contact the Universal Credit helpline. They may be able to adjust the amount sent to your landlord to ensure you can manage your living costs.
Additional Support for Rent
You might also qualify for a discretionary housing payment (DHP) from your local council, which can offer extra financial assistance if you’re receiving the housing costs portion of Universal Credit.
Cost of Living Payments
The government has provided financial support through Cost of Living Payments. If you were eligible, you should have received a payment of £299 between February 6 and February 22, 2024. If you think you should have received this payment but didn’t, you can report a missing payment here.
Seeking Further Help
If you’re struggling to make ends meet, there are resources available to help you reduce your living costs. Don’t hesitate to reach out for assistance with your bills or other financial obligations. Remember, you’re not alone, and there are people and organizations ready to support you during tough times. For personalized guidance, consider trying Contend’s legal expert chat. Contend is the Easiest Legal Help in the UK.
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